So, you have been working in this really well paid job and you are thinking about retirement already, but you would need an income as well after you retire, but the retirement fund is nowhere near big enough. What can you do about that? To retire wealthy and healthy you need to think about investing your money in something profitable. Everywhere you look people are saying that this is they way you... 

Owning your own car is not just a luxury, but it is a necessity that most people must have, including those people with bad or damaged credit. You need your car in order to get to work, go shopping, and to take your kids to school. However, there are many people out there with credit scores that keep them from getting the financing that they need in order to buy the car that they need. If your credit... 

The Federal Reserve has determined to keep short-term rates low to re-stimulate the economy and to keep the housing market from falling further. In addition, the Fed has been concerned about the banking system which now shows a much better prospect of having turned the corner. Whether or not you like some of the objectives here, the good news has been that some interest rates have been very low... 

“The Fed has lowered rates again!” This is a come-on you hear all the time from mortgage brokers to get you to re-finance your home loan or consolidate debt or to scare one into believing that the next move will be up! In fact, the Fed Funds rate (the interest rate off of which many other financial contracts are based)is near zero and has been there since December 2008. The Federal Reserve... 

We recently discussed some investment strategies employing fixed income securities, i.e. bonds. This time we’ll talk more about what kind of returns to expect. We’ll start with something we see everyday and relate that to the discussion on bonds. The stock market did quite well from its low in late 2002 to the high in 2007, almost 15% per year. We subsequently witnessed a huge decline in 2008,... 

It is universally known that women like to shop. I am a woman and I am not an exception. In our little family, I am the “stingy” one. But even that doesn’t stop me from venturing on shopping sprees every once in a while. I find an inexplicable solace in spending money, even when I know that money is low (actually, sometimes that’s when I am even more prone to go and charge my credit cards... 

Even though the real estate market has drastically changed in the last few years, buying a house is still one of the best investments consumers can make. This is an excellent time to buy a home because it is a buyers market like the USA has not seen in decades. Homes are priced well below market values and interest rates are extremely low. New home sales and sales of existing homes have dramatically... 

While student loans may be considered good debt, meaning that it can be viewed as an investment rather than a debt, they still provide quite a large monthly payment(s) each month. For many students and/or grads, the student loan debt may turn out to be very hard to manage; that’s a situation where consolidating may benefit. Consolidating all of your student loan debt and college debt into one... 

In almost epidemic proportions, students that are graduating from college are inundated with massive amounts of loan debt. One of the first things that a student will do upon completing a college degree is look at the sheer volume of loans they have acquired, the interest rates on each one, as well as the repayment terms. This can be overwhelming and a possible solution is looking at consolidation... 

In the fortunate situation that you are getting a bonus or a tax refund, or just due to a change in your spending habits, you may want to accelerate some debt repayments. Let’s take a look at that. Credit card debt is the most expensive with interest rates in some cases over 20%. So, if you find yourself with a balance there, it is certainly the one to pay off first. The natural inclination...