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Start by covering the basics. Outline your financial goals, create a budget, and establish a record-keeping system for your finances.
You also want to get control of your consumer debt. Although you probably opened a credit card account as an undergraduate, now is the time to find the best possible card. You also should decide whether you need to consolidate your student loans.
At this point in your life, start taking steps to increase your financial security. Getting renter's insurance and a disability policy are affordable ways to protect yourself in the event of a crisis.
Meanwhile, take full advantage of your company's retirement plan by calculating the amount you're likely to need when you retire and start saving the maximum now.
We all have financial goals. Some of us have short-term goals, like buying a car or getting out of debt. For others, the emphasis is on reaching long-term targets; paying a child’s tuition, for instance, or supporting elderly parents. You may even be at the stage where you’re planning for your retirement.
It's important to set those goals now. We can help. Read
It's important to set those goals now. We can help. Read
Setting up a system that works takes less effort than diving into boxes of receipts at the last minute; staying organized can help you keep track of your money, make better financial decisions, and even avoid an IRS audit. Spending a few hours getting your finances together costs a lot less than spending thousands to get an accountant or tax attorney to clean up your mess. So, let's get you organized.
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Do you think that you’re too young and fit to worry about disability insurance? Think again; it’s never too soon to start planning for the event of a long-term illness or debilitating injury. Three out of ten workers entering the workforce today will become disabled before retiring. Almost half of the 6.8 million workers currently receiving Social Security Disability benefits are under the age of 50. Combine odds like these with the escalating costs of living, and it’s tough to argue against having disability insurance.
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The cornerstone of any financial plan is retirement; how much to save and for how long. What will your needs be? Will you be covered for medical expenses? Will your nest egg cover all eventualities? If you don't know the answers to the questions, or if you need to plan further, this guide can help.
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When it comes time for planning your child’s future, your thoughts will first turn to their college education. Unfortunately, the cost of tuition isn’t getting any cheaper . The good news is that with a combination of diligent research and smart financial planning, you can help ease your child’s way to a diploma. Click here, then, for a list of options that can help save money on tuition, from scholarships to student loans.
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Insurance may be the last thing on your mind when you rent a new apartment. But if you plan to furnish it with cool stuff, say a computer, flat screen TV, leather furniture, you're going to want to protect it against damage or theft; remember, your landlord's policy insures his property, not yours. Happily, we can show you a cheap, easy way to protect what's yours without spending too much money on insurance premiums.
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Death and taxes are unavoidable. Fortunately, it's possible to get help when dealing with the IRS. For many taxpayers, getting tax assistance can save money, time, and headaches. Whether you need to survive an audit, file a tax return, or make enough deductions to qualify for a big refund, here’s a guide to finding expert tax advice.
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As a parent whose child is preparing for college, you’ve undoubtedly noticed that the price of a good education keeps rising. The good news is that, no matter what your financial picture is, student loans can help fill the gaps between what you can afford, and the costs that scholarships and grants can cover. In this article, we'll provide a brief, yet comprehensive, guide to these various college loans and their requirements.
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With the average college graduate owing $20,000 in student loans, repayment can be a thorny important issue. Happily, graduates can make this burden easier--and often save quite a bit of money--by consolidating two or more loans into a single, fixed-rate loan with one monthly payment. Is consolidation right for you?
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So a small sum of money has fallen into your lap. Now's the time for champagne all around and keep it coming! Or... now could be the time for rational financial planning. You can spend your money, save it, invest it, or use it to eliminate your debt. Or perhaps even put some thought into early retirement. Even if your windfall won’t make you a millionaire, with careful planning you can still use it to make progress toward your financial goals.
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Overwhelmed by credit card offers? You're not alone; with all the terms, offers, financing options, and what must seem like thousands of other variables, terms, and conditions, it can be easy to feel lost. And still, choosing the best credit card involves more than just filling out the first application you grab at the department store counter. It’s worth taking an extra effort to protect your credit rating.
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Definitions for Credit Card Interest Rates & Fees
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Credit Card Interest Rates
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More Info on Credit Card Fees
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