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From steps you can take early in life to ensure a comfortable retirement, to tips for getting there faster, to what you do once you’re there, these articles can help you navigate your way to the ultimate goal: retirement. Enjoy!
Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes Early Retirement Risks – And How to Prepare for Them – This post describes some of the risks you could face in early retirement, plus some strategies to help you deal with them.
SB @ One Cent at a Time writes What is your Financial Goal – Do you currently have a financial goal? Do you have a finite number in mind and a defined date in which you plan to hit it? Know more about why having a personal financial goal is important.
Michael Kitces @ Nerd’s Eye View writes Solving The Annuity Puzzle – Inflexibility For Handling Potential Health Care Shocks In Retirement – Economic theory suggests most retirees should utilize immediate annuities for lifetime retirement income, yet very few actually do. Two researchers think they have solved this “annuity puzzle” with a look at how health care “shocks” can impact a retirement plan.
Money Cone @ Money Cone writes Lump Sum Investing or Dollar Cost Averaging? – If you happen to have a windfall – inheritance, winning the lottery or a large tax refund, is it better to invest it all at once or spread it out over a period of time?
Melissa @ Minting Nickels writes 10 Ways to Be Frugal Without Reusing Toilet Paper – Are you looking for ways to save more money? Perhaps your income has reduced in the past few months and you really need to cut back. Making more money is difficult these days, so why not try to reduce your spending to make up for your shortfall in cash flow? Here are 10 easy ways
Maria @ The Money Principle writes One needs an emergency fund after all! – Today I changed my mind on the matter of maintaining an emergency fund. Here I set three conditions when this is absolutely necessary.
Christopher @ This That and The MBA writes Why Life Insurance Matters – Preparing yourself for what happens later in life is important. You can’t be too sure about what’s around the corner, so having something for you and your loved ones to fall back on in extreme circumstances. Building up savings in your bank account could help with that, but a better way to guard your loved ones against future financial instability is to take out a life insurance policy.
Roger the Amateur Financier @ The Amateur Financier writes How Much Does It Cost To Travel The World? – World travel is always a good goal, so this article discusses just how much it would cost to visit numerous countries around the world over a year.
krantcents @ KrantCents writes How to Think Rich and Be Rich – You’re in your 20s or 30s, you have student debt, you’ve accumulated some credit card debt and it looks like you’ll never be able to buy a home. There is a way to think about money that can help solve these problems. Our thoughts precede actions and actions precede results.
Tushar @ Earn More and Save writes 3 Side Businesses You Can Start for Less than $100 – The post 3 Side Businesses You Can Start for Less than $100 appeared first on Earn More And Save.The recent recession has left today’s job market stagnant. Due to this many people are left unemployed or underemployed.
MMD @ IRA vs 401k Central writes All the Great Things About Reaching Your Maximum 401k Contribution – Do you make the maximum 401k contribution to your account every year? If you don’t, then you’re severely missing out on the power of time and compound returns.
SFB @ Simple Finance Blog writes The Basics of Equity Mutual Funds – Equity mutual funds are a means to buy into a stocks portfolio. As a shareholder, you will be able to possess indirect ownership in a basket of securities.
Everything Finance @ Everything Finance Blog writes What Are the 6 Best Investment Options in 2013? – There is a great deal of uncertainty in the financial world that is causing some investors to wonder where to put their money. If you keep a close eye on the financial developments in 2013, you can find plenty of ways to make a profit with your investments.
Kyle @ The Penny Hoarder writes You Can Negotiate For Everything – You might know of someone who negotiates everywhere for everything, and your first instinct may be to think that it’s incredible embarrassing.
DW @ Great Passive Income Ideas writes How to Be a Vacation Rentals Listings Broker from Home? – Once you take the leap and look for work from home ideas, the dream of never having to leave your own house becomes a very real possibility. Here is our list of different things you can try to make that happen.
Tony @ We Only Do This Once writes How to Deal With Your Finances – I haven’t written about finances in awhile, because these days I barely think about them. That’s not to say that I don’t have payments and bills and unexpected expenses. It’s because I have focused hard on getting out of debt for the last 2 years — and these days, I am almost debt-free and worry little about finances. It’s a beautiful thing.
Tushar @ Start Investing Money writes 3 Ways Small Savings Goals Can Make a Big Difference – How many times have you read blog posts and articles that talk about making lots of small changes to the way you spend money? This is one of the simplest rules about budgeting, since you can make several small changes and they’ll add up to one big one.
Matt Becker @ Mom and Dad Money writes Why Do You Have to Beat the Market? – When we step back and look at the bigger picture, it becomes pretty clear that beating the stock market is a fairly irrelevant goal for most of us. We have actual financial goals that truly matter to us, and these goals are most effectively achieved if we completely ignore the desire to beat the market. So feel free to let go of the marketing hype and spend your time and money in a way that truly benefits you.
Investor Junkie @ Investor Junkie writes Not Tracking Your Investment Performance Is Like Flying Blind – If you are going to be a successful investor, you need to track your investments on a regular basis.
Bank Free Credit @ Bank Free Credit writes 4 Ways to Find Free Travel Accommodations – If you’re willing to consider alternatives to the mainstream, there are plenty of ways to travel on a budget! Consider these 4 methods
Wayne @ Young Family Finance writes Answer Yourself Out Of Debt & Collection Agency Hell – Trying to get out of debt? It seems hard, but it can be done. Answers to the questions you ask yourself when you want to get out of debt.
Grayson @ Debt RoundUp writes Money Multitasking – Concept and Execution – Have you ever thought that you are stretching yourself too thin with regards to your money? Are we pushing the limits with our money multitasking and becoming inefficient? If we do too many tasks at once, we tend to lose productivity and creativity. There have been many studies on the effects of taking on too many tasks at one time, so why can it not be pushed to what we do with our money?
Pauline @ http://makemoneyyourway.com/ writes Easy Life-Long Money Making Opportunities You Can Start Today – One of the greatest things I’ve come to learn about growing my wealth is that there are plenty of simple money making opportunities out there that will enhance my ability for achievement.
Pauline @ Reach Financial Independence writes Early retirement in the US vs abroad – Early retirement can be easily achieved in a country with low costs of living. Is it worth it?
Corey @ 20s Finances writes 3 Ways to Further Your Career – Find out what easy steps you can take to improve your career.
Ted Jenkin @ Your Smart Money Moves writes Entrepreneur Series – Lesson 4 – Avoid Rookie Mistakes – I am not a professional athlete. However, I would imagine that the rookie year on any of the professional sports circuits has to be daunting in nature.
CAPI @ Creating a Passive Income writes Expanding Income: How to Set Up a Home Business – Looking to expand your income? How about starting your own home business? It’s not as bad as you think – read here for some great tips and our how-to guide.
S @ Grad Money Matters writes Increase Your Net Income – Have you ever wondered how much your coworker earns per hour? Is it more or less than you? It seems that everyone is hung up on wages these days, but this is absolutely not the most important measure when it comes to wealth.
Mike @ Annuity Rates HQ writes Top 27 Annuity Articles from Non-Biased Sources – Annuities are not always easy to understand. The problem is that you main source of information might be your financial adviser… who will eventually make money if he sells you one.I’ve searched the web for several hours and read over 100 articles about annuities. I’ve published the top 27 articles about annuities from non-biased sources.
Luke @ Learn Bonds writes How Expensive Are Bonds Relative to Stocks Now? – Even with the recent increase in interest rates, bonds are still far overpriced in comparison to stocks. Here’s an analysis of why this is the case.
John S @ Frugal Rules writes What Makes a Company Worth Investing in? – There are many things that you can look at if you’re interested in investing in stocks. By following some of the basics you can start to build a stock portfolio that will serve you well and help set you up for long term needs like retirement.
Usiere Uko @ Financial Freedom Inspiration writes Acquire Assets First, Before Liabilities – If you want to stay on top in the game of money, you need to acquire assets first before liabilities.
Jon @ Novel Investor writes 3 Safe Investments That Went Wrong – Over the past few years investors have turned to bonds, income stocks, and gold for safety. It paid off until now, because safe investments don’t last forever.
Anton Ivanov @ Dreams Cash True writes Portfolio Planning Basics – Picking an Asset Allocation – Asset allocation has a large impact on investment portfolio performance. Learn the basics of picking an asset allocation for your portfolio.
Debt Guru @ Debt Free Blog writes Tips on Tuition Troubles – A Parent’s Guide – These days, parents are bracing for their children’s college debt. Tuition troubles are tricky, but not impossible. Here are tips on how to solve them!
Michael @ Financial Ramblings writes Personal Capital: Online Investment Tracking Made Easy – If you’re like me, you have multiple investment accounts — IRA, 401(k), brokerage account, etc. This can make it hard to keep track of your asset allocation and make sure your portfolio as a whole is structured as you’d like it. In this article, I discuss an online investment tracking/management tool called “Personal Capital” that makes it easy to keep track of everything in one place.
Rich El @ Modest Money writes Top 10 Emotional Money Lessons to Improve Your Finances – The line of poverty for many is closer than you think. Fixing the emotional issues will help you prosper in the financial side of life.
Glen Craig @ Free From Broke writes What is Long Term Care Insurance, and Should I Buy It? – Among the many types on insurance you may need is long term care insurance. But what is it? Take a look at what LTC is and if you should buy it.
I got a message from a friend a few days ago linking to an article about some guy who’s my age and has a net worth of $20M thanks to a merchant business he started at 20. Her comment: “I thought you’d like this, it’s so inspirational!”
Let’s face it: going out to eat is really nice every now and then. You don’t have to do any cooking, there are no dishes to clean, you can try new foods, and your family doesn’t all have to eat the same thing, everyone can order what they want. But as anyone struggling with debt, saving up for a big purchase, or just trying to control their spending knows, eating out is expensive. That’s why most financial advice you see will tell you to limit eating out as much as possible.
I was recently talking to a friend and casually mentioned the fact that I get paid once a month. Her eyes widened a bit and she said she’d never be able to get used to that. “I’d constantly be waiting for that next paycheck,” she said. I’ll admit that when I first started out and had no savings, getting paid only once a month was tricky. But with one very simple step, getting paid once a month was no longer an issue.
Wedding registries have become so pervasive in the past few years that guests have now come to expect them. The concept of the wedding registry was first created in the 1920′s, and allowed the bride and groom to choose a pattern for china, silver, and crystal dinnerware. In the 1990′s, Target introduced the electronic self-service gift registry, and now registries include everything from the traditional china to towels, cash funds, charities, and even DVDs.
Let me tell you a story about a parking lot. My fiancé and I went away for the holiday weekend with three other couples. On the afternoon of the 4th, one of the other couples went into town to pick up some supplies, and learned from a local that there was going to be a big fireworks show that night. The local told them that most people here for the weekend would gather in the park, but they’d charge you $8 to park there, so the locals usually park for free at the golf course across the street and watch the fireworks from there.
I just got back from a week-long business trip where I stayed at the most expensive hotel I’ve ever been to. The restaurants offered $15 soup, $18 hamburgers, $35+ entrees and $17 cocktails. Fortunately I don’t drink coffee, because if I did, I would have been forced to purchase it for $5/cup since the ritziest hotel ever doesn’t think it necessary to stock your room with a couple packets of coffee. That’s what $250+/night gets you!
My fiancé ran an experiment at work. Employees at his office get the very nice benefit of several shelves of snacks and a fully stocked drink fridge, and he is in charge of keeping them stocked. Inside the drink fridge, there are three flavors of sparkling water: lemon, lime, and mixed berry. The lime and mixed berry are stocked on the bottom shelf, and the lemon is stocked on the next shelf up with the orange juice. Every few days when he restocks, he notices that much more of the lemon has been consumed than either the lime or the mixed berry. This week, he decided to switch the lemon with the mixed berry, so the lemon was on the bottom shelf and the mixed berry was on the next shelf up. Sure enough, when he went to restock the fridge, mixed berry was the most consumed flavor.
Graduating college and starting a new life on your own is a scary time. If you’re like most students, you already have debt, and you certainly don’t have piles of cash sitting around for you to splurge on a nice apartment, high-end furniture, and fancy work clothes yet. If you’re lucky enough to have a job lined up, your future is a bit more secure, but that’s no reason to become complacent about your finances.
