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Archive for the ‘Saving & Investing’ Category

How to Calculate Your Personal Savings Rate

Written by Aliyyah Camp - One Comment

Savings is a huge part of personal finance. In general, you can always do two things to improve your financial situation: save more and earn more. Although earning more is a lofty goal, income is never guaranteed. But if you have solid savings and have established good spending habits, you can pretty much live on […]

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Published on November 28th, 2016
Modified on December 3rd, 2016 - One Comment
Filed under: Money Q&A,Saving & Investing
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The Four Types of Savings Accounts That Everyone Should Have

Written by Aliyyah Camp - Leave a Comment

When it comes to finances, it’s important to be organized. Organization keeps you on track with your goals, makes it easier to budget, and helps you stay sane during tax time. One part of your finances that can messy,  if not organized properly, is your savings. With so many different things to set money aside […]

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Published on November 9th, 2016 - Leave a Comment
Filed under: Banking,Saving & Investing
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How to Refinance Your Car Loan

Written by Aliyyah Camp - Leave a Comment

More and more people are deciding to finance the purchase of their cars. According a study conducted by Experian, 84.9% of new cars were purchased with financing in 2015. In 2016, that number rose to 86.3%. To further demonstrate the increasing amount of auto debt we’re in, the study found that the average loan amount […]

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Published on November 2nd, 2016 - Leave a Comment
Filed under: Automotive,Saving & Investing
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Depending on stock returns to fund your retirement? Think again

Written by Richard Barrington - 12 Comments

How worried should I be? That’s a question financial people get a lot when the market is as unstable as it has been over the past several weeks. Actually, it’s a question we ask ourselves in those environments. Having both asked and answered that question several times recently, let me share some of the answers […]

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Published on October 6th, 2015
Modified on September 24th, 2015 - 12 Comments
Filed under: Economy,Retirement,Saving & Investing
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7 bad things about low interest rates

Written by Richard Barrington - 3 Comments

If you have been able to buy a house or refinance a mortgage in recent years, then congratulations. You have been a beneficiary of the Fed’s extraordinary effort to keep interest rates low. For many others though, monetary policy hasn’t been so favorable — in fact, it has cost them dearly. Ostensibly, low interest rates […]

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Published on August 31st, 2015 - 3 Comments
Filed under: Banking,Saving & Investing
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7 financial lessons recent college grads still need

Written by Richard Barrington - 3 Comments

Around this time of the year, new college graduates are leaving their schools with a wealth of knowledge. At the end of their four (or six, or eight…) years of college, graduates have typically tackled a wide range of academic subjects, often with an impressive degree of complexity. Unfortunately, one type of lesson many of […]

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Published on June 15th, 2015
Modified on June 4th, 2015 - 3 Comments
Filed under: Banking,Credit Cards,Debt Reduction,Saving & Investing,Working
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Is the tide turning for savings accounts?

Written by Richard Barrington - 5 Comments

On the surface, savings account rates seem to be stuck in the same rut they have been in for the last couple years; but if you look a little closer, there are some isolated developments that could start to put the interest back in savings account interest rates. According to the FDIC, the average savings […]

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Published on May 19th, 2015 - 5 Comments
Filed under: Banking,Economy,Saving & Investing
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How to play retirement catch-up

Written by William Cowie - 14 Comments

I told the story elsewhere of how my wife and I woke up in our late 40s to the fact that our investment cupboard was bare. We were not alone, millions of Americans in their 40s or 50s don’t have nearly enough money saved to retire. So what can you do if you find yourself […]

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Published on March 30th, 2015
Modified on March 27th, 2015 - 14 Comments
Filed under: Retirement,Saving & Investing
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How long will oil prices stay low — and what should you do?

Written by William Cowie - 8 Comments

image: wikimedia commons If you are old enough, you will remember 1973, when OPEC caused the price of oil to quadruple. (If you’re too young, simply Google “1973 oil crisis images” to see an endless parade of people stranded at gas stations with hand-written signs like the one in the picture.) That crisis changed life […]

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In praise of not planning

Written by Richard Barrington - Leave a Comment

It’s a good thing that I am a planner by nature because, dealing with personal finance as I do involves a lot of long-term planning. So it might seem a little odd for me to take this position, but there are times when your finances might be better for not having made a plan — […]

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Published on November 10th, 2014
Modified on November 7th, 2014 - Leave a Comment
Filed under: Planning,Retirement,Saving & Investing,Working
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