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Author Archives: Research Department

8 Money Lessons to Learn Before You Turn 40

LearnNow

By AJ Smith, Credit.com Reaching your fifth decade is a milestone, and hopefully you have learned a few things on the way. Here are some of the important financial lessons that are good to learn before turning 40. 1. Keep Your Housing in Check Since the median age of first-time homebuyers is 31, you’ve likely already bought a home. If ... Read More »

    Beware of This Bill in Retirement

    medical-bills

    Alexandria, VA (PRWEB) March 18, 2015 It’s possibly the biggest challenge for people planning retirement — budgeting for the cost of health changes as we age, warns The Senior Citizens League (TSCL). Careful planning is critical, because healthcare takes a significant chunk of most retirees’ Social Security benefits right from the start. “But that chunk grows bigger as people’s health ... Read More »

      How to Get Your Finances in Order Before You Buy a Home

      Couple Buying House

      To successfully buy a home these days, you’ll need patience, resilience to rejection and sound financial planning. You don’t need to earn gobs of money to successfully purchase a home — well, depending on your area. You do, however, need to have enough income left over after your proposed mortgage payment and other financial obligations. You need to be able ... Read More »

        25 Ways to Save Money on Amazon

        save_money_amazon1

        Amazon.com offers some of the best online deals on just about any item you can think of. However, there are more opportunities for you to save even more money. We’ve rounded up a list of the best ways to save on your Amazon purchases. Sometimes, just a little extra effort can go a long way. Check out these 5 online ... Read More »

          4 Ways to Earn Money Without Lifting a Finger

          save_or_make_money

          While your salary may sound good in negotiations, it can be a different story when you get your monthly paychecks and start dividing it up to pay your bills. Wouldn’t it be great to have an additional, continuous stream of money coming into your savings and/or checking account? Having multiple jobs can seem overwhelming, but there are some side activities ... Read More »

            5 Little-Known Ways to Get Your Student Loans Forgiven

            Ready to Collapse

            If you’re like most people, your student loans probably feel a bit like a ball and chain that you’ve been dragging through your life for years. Every month, you dutifully make a payment knowing that you’ll be making that same payment next month, the month after that, and so on. But what if you didn’t have to? What if there ... Read More »

              Lea Michele, Jane Lynch and Other “Glee” Stars Who Are Surprisingly Good With Money

              glee-cast

              On March 20 fans of hit television show “Glee” will say goodbye to its favorite glee club, who they’ve watched grow into adulthood through its six seasons. The “Glee” finale episode will pay special tribute to former cast member Cory Monteith, who passed away in July 2013. With numerous Primetime Emmy awards, Golden Globes, Teen Choice awards and even a ... Read More »

                5 Ways You’re Accidentally Committing Tax Fraud

                tax_fraud

                It’s that time of the year again. You’re getting all your W-2 forms, deductions and other paperwork together while mentally making sure everything is in order. Tax laws change every year, and a mistake could end up costing you money or worse — you could be accused of tax fraud. Minor mistakes happen all the time and won’t necessarily result in ... Read More »

                  Is Divorce the Best Option for Older Americans?

                  Divorce

                  “Will you still need me? Will you still feed me? When I’m 64?” The Beatles first released these quaint, clarinet-fueled lyrics in 1967 when the loving answer to these questions was a resounding, “Yes!” Traditional marriage vows echo this sentiment in that they presuppose a relationship span that encompasses young and old age, wellness and serious illness, wealth and poverty. ... Read More »

                    5 Lifelines You Can Use If You Don’t Have an Emergency Fund

                    Emergency

                    Everybody’s heard it: You need to save three to six months’ expenses in an emergency fund. Not as many of us have actually done it. In fact, a 2014 survey indicated that most of us couldn’t cover even a $ 500 calamity. That means we are clearly under-saving — it’s hard to argue that having anything less than $ 1,000 ... Read More »

                      Are You Ever Too Old to Need Life Insurance?

                      Moving Up

                      As you get older, it may seem less and less prudent to carry life insurance. You could be retired, own your home outright and have kids who are self-sufficient. While for most people insurance is intended to protect you and your loved ones if you die prematurely, there are some financial situations where you may still need to consider if you need ... Read More »

                        How to Correctly Fill Out Your W-4 for a Bigger Paycheck

                        w2-form

                        When money is tight and it doesn’t look like your job will be offering you a raise anytime soon, saving money can feel like an impossible task. However, there is something you can do to maximize how much money you get each paycheck and help you build up your savings account. What is it? It’s making sure that your W-4 withholdings ... Read More »

                          Legislation Would Require Private Student Loans Be Forgiven If Borrower Dies

                          graduate

                          (Jeff) Shortly after the death of their daughter, a New York couple’s grief was interrupted by a battle with an entity they never imagined: her private student loan lender. Inheriting a dead child’s student loan debt is a problem too many parents have had to face, and one that a new piece of legislation aims to eliminate. New York Senator Chuck ... Read More »

                            7 Downsides of Low-Interest Credit Cards

                            business_credit_cards

                            The one thing that everyone hates about credit cards is paying high interest rates, which can be especially costly. There are credit cards offered with low interest rates that can appeal to cardholders who are frustrated by high interest charges each month. They may offer rates of 10% APR or even less, but it may come at a cost. As with all ... Read More »

                              The 10 Best Markets for First-Time Homebuyers

                              Couple Buying House

                              Young people are flocking to cities like New York, San Francisco and Washington D.C., when perhaps they should consider places in North Carolina, Ohio and Tennessee — at least if they want to buy a home. First-time homebuyers often find gathering enough cash to make a down payment is their biggest obstacle, but millennials aren’t helping themselves by moving into areas ... Read More »

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