By Emma Patch From Kiplinger’s Personal Finance Most homeowners know that they need homeowners insurance to cover loss or damage to their property—and if you have a mortgage, you usually have no choice. But if you’re one of the more than 100 million Americans who rent their residence, don’t overlook the value of renters insurance….
Transferring a 401(k) to an IRA While Still Employed
December 27, 2022
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Many employees only consider what to do with their 401(k) plans after leaving an employer, but you may have the option to roll over your retirement savings into an IRA while still working at your current job. Deciding whether or not to transfer a 401(k) to an IRA while still employed depends on your employer’s…
Subsidized vs. Unsubsidized Student Loans: Which One Is Better? Here’s What You Need to Know.
By Entrepreneur Staff A college education in the United States might be expensive, but it’s still accessible to many American students thanks to federal student loans. The only problem: It can be tough to know which student loans to choose from, mainly subsidized vs. unsubsidized student loans. If you’re unsure what to borrow or the…
Pain, Few Gains for Investors as Markets Slumped in 2022
By Alex Veiga Investors found few, if any, safe havens in 2022, as central banks in the United States and around the globe raised interest rates for the first time in years to fight surging inflation, stoking fear of a global recession. Consumers paid more for energy, food and just about everything else. Borrowing to…
I’ll Be Nice, but I’ll Tell the Truth
Dear Dave, I’m 32 and a teacher. My house is my only debt, and there’s $55,000 left on my mortgage. My parents always taught my brother and I about saving and being smart with money. The other day, Mom and Dad offered to pay off the rest of my mortgage by loaning me the money…
Tax Refund: Not a Good Thing
A friend of mine is the comptroller of a small corporation. As such, she is required to handle all aspects of that company’s finances including payroll. She takes the opportunity to figure and tweak the withholding from her own paycheck to reach her goal of neither owing taxes nor being due a refund on April…
Bears and Market Volatility Don’t Scare These Investors
By Kim Clark From Kiplinger’s Personal Finance On the morning of Thursday, Oct. 13, as the Dow Jones industrial average plunged more than 500 points, a gathering of 370 investors and financial advisers—who were, as a group, losing tens of millions of dollars that very moment—calmly noshed on oatmeal and Danish. “Don’t just do something,…
How to Save for Retirement Without a 401(K)
When you want to save for retirement but find out that your employer does not offer a 401(k), it can be disappointing. The good news is that there are 401(k) alternatives where you can put your retirement money and build considerable interest. Go for a Solo 401(K) Apart from an employer’s 401(k), probably the best…
Credit Card Companies Expand Perks
By Rivan V. Stinson From Kiplinger’s Personal Finance Credit card issuers are expanding their perks to give loyal customers breaks on dining and entertainment. Food-delivery memberships and discounts are among the trendy benefits now, says Ted Rossman, senior industry analyst for Bankrate.com. For example, Chase and DoorDash extended their partnership to offer eligible cardholders a…
Is There a Best Way to Receive Required Minimum Distributions?
December 25, 2022
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As you get closer to the age when you need to take required minimum distributions (RMDs) from your retirement accounts, you are likely wondering about the best way to do it. There are several ways, but any of them depend on your circumstances. When you get closer to the RMD age of 72, you will…
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