Personal Finance

Personal Finance

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How to save $9,000 on your mortgage

I want to buy my first house, but I live in an expensive area and I don’t want to end up house poor. What can I do to lower my monthly mortgage payments?—Frank The leap into homeownership is a big change, especially on your finances. Buying a home is likely the biggest purchase you’ll ever make, so it’s important to keep your payments in line with what you can afford. When your mortgage eats up too much of your budget,…

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Younger workers are making this major financial mistake

With Baby Boomers retiring in rapid succession, Millennials now make up the largest percentage of the workforce. And while many are gainfully employed and are on top of their bills, the majority of younger workers are making a mistake that could damage their finances irreparably: not having emergency savings. A frightening 52%, in fact, say they don’t have an emergency fund, according to new data from PNC Investments. And that only means one thing: They’re taking a very dangerous risk.…

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IRS may have just poured cold water on state efforts to skirt SALT deduction cap

Several states this year have moved to let residents circumvent the new $10,000 federal cap on state and local tax deductions. But the IRS issued a notice on Wednesday that may give taxpayers in those states pause. The new cap on state and local deductions mostly affects taxpayers in states with high income and property taxes like New York, New Jersey, Connecticut and California. New York was first out of the gate, approving a measure that lets taxpayers make charitable…

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How should I invest my nest egg for maximum retirement Income?

I’m in my mid 60s and have about $1.2 million I would like to invest for the maximum income possible for the rest of my life. I don’t care for stocks or bonds because I hate the idea of seeing the value of my savings drop if the market has a correction. And I don’t understand annuities. Any suggestions?—M.B. You’ve got a number of conflicting wants and needs that you’d do well to sort out if you hope to come…

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Credit Card Debt Consolidation Loans – The Benefits

Credit Card Debt Consolidation Loans – The Benefits There are lots of benefits that people should know about when they are considering credit card debt consolidation loans. More and more folks have turned to these loans as both a short-term and a long-term solution for their issues, and it has almost everything to do with the fact that there are solid companies in this industry that are willing to help. They offer people a chance to breathe and a chance…

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New to the job market? 5 pitfalls to avoid

Navigating the job market for the first time can be challenging, but if you’re a recent grad who left college with a mountain of debt, you’ll probably want to land an offer as quickly as possible. And knowing what traps to avoid in your search can help make the process far more efficient and successful. Here are some key pitfalls to stay away from. 1. Not brushing up on your interview skills Job interviews can be intimidating if you have…

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No Credit Check Loans – Get $500 Fast With Bad Credit

No Credit Check Loans – Get $500 Fast With Bad Credit If the wolf is at your door and you need to get your hands on money fast – but your credit is shot – there is something you can do. There is a very easy way that you can borrow up to $1,500 fast even if you have a bad credit history. That’s the good news – and we’ll take a look at how you can do it in…

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Bad Credit Mortgage Loans – How To Get Approved

Bad Credit Mortgage Loans – How To Get Approved Persistence is the key working toward getting approved for a bad credit mortgage loan. There are many factors that you, as a borrower have control over that can help you get approved faster and easier. There are guidelines that most sub-prime lenders go by that, if you know them, can help you move through the process without getting stuck, unable to get financing. If you have a bankruptcy or foreclosure, even…

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Congress just made credit freezes free

You will soon be able to freeze your credit report for free, a step that can help protect you from identity theft. Many called on Congress to make freezes free after the massive Equifax breach last year that exposed the personal information of more than 146 million Americans to hackers. The provision was included in a broader bill passed by the House on Tuesday, which rolled back regulations on banks created by Dodd-Frank. The bill now heads to President Donald…

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40% of Americans can’t cover a $400 emergency expense

Can you cover an unexpected $400 expense? Four in ten Americans can’t, according to a new report from the Federal Reserve Board. Those who don’t have the cash on hand say they’d have to cover it by borrowing or selling something. The bright side? That’s an improvement from half of adults being unable to cover such an expense in 2013. The number has been ticking down each year since. Overall, the financial situation of American households has improved during the…

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