Personal Finance

social-security

Know About Your Social Security Benefits

FICA is an acronym known to everyone who works for pay. It’s that little bit of money that disappears from your paycheck each time. Most people have a vague sense that this money is held back by the government to aid in your retirement. But not everyone knows how it works. Don’t expect a lot […]

Do You Really Need A Credit Card?

Some folks love them. Some folks hate them. Either way, credit cards have become an almost universal financial fact of modern living in America. Having one is probably a good idea, says Christopher Viale, board chairman of the Association of Independent Consumer Credit Counseling Agencies. They’re important in building a good credit score and many […]

Business Ideas

For some time, financial experts have been predicting a surge in hiring among small businesses. Now it’s happening. As the demand for their products and services swell, the companies are leaving behind their post-recession caution and stepping up hiring, economists report. The growth in the small business arena also is reflected in a spate of […]

Money Management

social-security

Know About Your Social Security Benefits

FICA is an acronym known to everyone who works for pay. It’s that little bit of money that disappears from your paycheck each time. Most people have a vague sense that this money is held back by the government to aid in your retirement. But not everyone knows how it works. Don’t expect a lot […]

Do You Really Need A Credit Card?

Some folks love them. Some folks hate them. Either way, credit cards have become an almost universal financial fact of modern living in America. Having one is probably a good idea, says Christopher Viale, board chairman of the Association of Independent Consumer Credit Counseling Agencies. They’re important in building a good credit score and many […]

Cut costs on college textbooks by buying used books.

Cut Costs on College Textbooks

After tuition, the biggest financial challenge for many college students is the soaring cost of textbooks. On average, students pay about $1,200 per year on class texts and other materials, according to the College Board, whose members represent colleges universities and other educational institutions. The costs rose about 6 percent a year from 2002 to […]

Building Wealth

Protect Your Investments

Depreciating Assets Can Hurt Your Finances

Everyone has them— depreciating assets. What are they? Assets that lose value over time rather than gaining value. It isn’t possible, it seems, to avoid purchasing a car, major appliances and electronics. They are financial realities. However, the trick is to purchase what you need rather than what you want and to be aware up […]

Get Out Of Debt

Managing Debt

Which Debts Should You Pay Off First?

There is all kinds of advice floating around as to which debts you should pay off first. Most advisors seem to have a preference for paying off credit cards or mortgages ahead of other types of debt. There may be no right and wrong when it comes to paying off debt – after all, paying […]

People Taking Control Of Their Futures

Save Whenever You Can

Free Checking? Try A Credit Union

Finding a financial institution that offers free checking is usually not hard, and many credit unions are joining the ranks, making it even easier. And the fees associated with checking where it isn’t free are plateauing, according to an article in Bankrate.com. The 2014 Credit Union Checking Survey conducted by Bankrate reported that 72 percent […]