With personal savings playing an increasingly larger role in people’s financial lives, understanding how to maximize the benefits of a savings account is important if you want to get the most from them. Today, people are faced with numerous choices when it comes to their savings, and with the availability of online banking that can [...]
Continue Reading →Over the past few years, municipal bonds may have fallen out of favor due to the fact that, until recently, the returns in the stock and bond markets were generating steady returns. Now, with the market continuing its wild gyrations, and the bond market hanging on the edge of uncertain fed policies, investor attention has [...]
Continue Reading →We always like to end the year with a note of optimism to spur everyone on to bigger and better things in the coming year. Unfortunately, that is becoming difficult to do. Little has changed in the dour outlook of the economy, and little has been done to change its course much over the coming [...]
Continue Reading →Many consumers choose their banks out of convenience, including the ability to have one stop access to all of their banking needs. While the big banks have always had the edge over their smaller competition, it may surprise you to know that the whole industry is reaching some level of parity. Last week we provided [...]
Continue Reading →When setting up a savings plan, the challenge for most people is determining which savings product to choose. The banks, credit unions, and thrifts are all competing for your savings dollars by offering a cafeteria of savings vehicles with varying features and rates. If you’re saving simply for the sake of saving, then it’s hard [...]
Continue Reading →The strategic default: deadbeats or financial geniuses? The good news in the housing market is that, according to the Mortgage Bankers Association, the delinquency rate for mortgage loans has fallen to 7.99 percent down. That is nearly a half a point from the prior quarter and over a point from the prior year. The bad news [...]
Continue Reading →As the jobs market continues to drag along, millions of people are deciding to go it alone by taking the entrepreneurial plunge. Many are launching starting a new business right from their kitchen table and some are harboring dreams of the “next big thing.” In almost all cases, starting a new business requires some amount [...]
Continue Reading →This generation of parents, who have high hopes of a quality college education for their children, face challenges unlike any faced by generations before them, especially when it comes to saving for college. On the one hand, they helplessly watch as college costs accelerate by as much as 30% per year, and on the other, [...]
Continue Reading →Thinking about changing banks? Take a minute to look and compare the most popular types of banks that offer unique service and features. The major banks have had a rough few years since the financial meltdown, and now it seems as though they are taking it out on us with additional and higher fees. Not [...]
Continue Reading →No matter what type of investor you are, this has been a year which you probably would like to forget. Stock investors have been flung around like a rag doll on a runaway roller coaster, and bond investors are finding it increasingly difficult to capture higher yields. And, if you have your money in savings [...]
Continue Reading →In what could be a major game-changer for both lenders and consumers, CoreLogic Credco, a major financial data aggregator, has just introduced its new CoreScore into the credit score mix. The new score, based on a heap of additional consumer credit and payment activity not previously reported to the credit bureaus, is said to provide [...]
Continue Reading →My defensive investment strategy for 2012 is to deal with and reduce the market volatility. With the Euro-crisis coming to a head and continuing deadlock on a resolution of our own debt and deficit crisis, uncertainty and volatility will continue to reign in the year ahead. But then, when has there ever been certainty in [...]
Continue Reading →Student loan debt has skyrocketed in the last decade growing at a rate of nearly 50% per year. Many graduates find themselves crushed under the weight of their college loans before they have had a chance to go out and earn the income needed to repay it. While future college students need to seriously consider [...]
Continue Reading →It’s almost uncanny how this all works. The violence and debauchery of the misguided and self-indulgent Occupy movement has peaked just in time to draw all of the media attention away from the biggest problem both the 99% and the 1% face in the immediate future. Headlines of OWS miscreants terrorizing school children and throwing acid [...]
Continue Reading →For much of the last couple of years, most of us have paid little attention to the brewing financial problems of Europe, not because they weren’t that significant, but primarily because we have our own problems here at home. Although we are still neck deep in debt, deficit and recession worries, it’s becoming increasingly difficult [...]
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