Personal Finance

social-security-future

How Secure Is Social Security?

Social Security is 80 years old and many Americans are fearful that the old age benefit might die of old age. Surveys show that fewer than half of Americans feel confident that the program will stay equal to or become better than it is today, according to the Employee Benefit Research Institute. But the institute’s […]

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When To Close A Credit Card

If you are like most Americans, you are besieged with offers to try a new credit card, often offering a lower interest rate or more rewards than the one you are currently using. How to decide, short of accumulating a fistful? Closing out one of your current cards to accommodate another may make good economic […]

Is a reverse mortgage worth it in the long run?

Reverse Mortgages Not All Positive

Older Americans who watch television are besieged by ads that promise a reverse mortgage is the answer to all their financial problems. Often, the ads are touted by such celebrities as actor Henry Winkler, whose old Fonzi character from Happy Days still resonates with the older crowd. Or the messages are given the aura of […]

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Saving Money

Save money on things you can easily do yourself.

Watch Out For These Money Drains

Many Americans feel they can’t build savings because there simply isn’t money left after the essentials are covered. But with a little creative effort, you can find a bit here and a bit there to stash away. With personal saving at its lowest level since 2001 (expected to fall below 1 percent by the end […]

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Amazon Home Services Marketplace

Amazon has launched its Home Services (formerly Amazon Local Services). If you are looking for voice lessons, yoga classes, furniture assemble, mounting wall televisions, setting up baby gates, house keeping or even assembling those products you buy at Ikea, now you can order them directly on Amazon. You can list your services on Amazon if […]

Lower your utilities bills by getting a programmable thermostat.

How To Shrink Your Energy Bills

Winter may be on the downside this year, but it isn’t too late to trim your energy consumption and save money at the same time you are helping the environment. Tips to reduce your bills while trimming your carbon footprint include: Heating & Cooling Invest in a programmable thermostat. It can be set to reduce […]

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Retirement Tips

social-security-future

How Secure Is Social Security?

Social Security is 80 years old and many Americans are fearful that the old age benefit might die of old age. Surveys show that fewer than half of Americans feel confident that the program will stay equal to or become better than it is today, according to the Employee Benefit Research Institute. But the institute’s […]

retirement-plans

Avoid Retirement Glitches

When it comes to retirement, there are as many “don’ts”as there are “do’s.” Avoiding common mistakes in your retirement planning could help ease you into a happy situation. Here are suggestions that will help you skirt the pitfalls: When you consider retirement, don’t be in a hurry to start collecting Social Security. If you request […]

The word Retirement written on a sandy beach, with scuba mask, beach towel, starfish and flip flops (studio shot - warm color and directional light are intentional).

Retirement Coming? Be Sure You’re Ready

For many workers, retirement seems an ethereal, distant eventuality that doesn’t require much thought. Don’t you believe it. It comes and it comes sooner than most Americans are ready for it. According to a USA Today article, about a third of Americans have less than $1,000 in savings and investments to fund their retirement, aside […]

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