retirement savings

The following is a list of top online banks that offers high yield savings account, high interest savings account, or high yield money market account. All of these accounts are FDIC insured up to $250,000. Your principal is protected and you’re guarantee a positive nominal return on investment. For March 2010, the average interest rate [...]

Tired of spending money on things you don’t use or get very little results out of? I’m referring to your gym membership. Don’t get me wrong, I’m a big fan of gyms and love going to them, but when they cost an average of $33 per person per month, it comes down to a combined [...]

Financial independence is a term typically used to describe a state where you have sufficient assets to live a certain lifestyle indefinitely without having to work or be employed.  Whether your income is derived from interest on savings, investment income, real estate income or something else, it really doesn’t matter.  The key is that you’re [...]

Investing works best if you set it and forget it.  However, at least once a year every investor should set aside some time to review their investment activities from the previous year.  February is a great time to do this investment review because if you wait too long you’ll find yourself in the thick of [...]

There’s no shame in admitting it: It’s possible to make it through college and into the real world without having the first idea about investing, money management, or anything that deals even remotely with finances. But thanks to the growing number of Web sites and online tools devoted to fiscal responsibility, it’s easier than ever [...]

In your 20’s and don’t think that you need to worry about your security later on down the line? There’s no need to worry about making yourself secure for once you reach your 30’s and 40’s, right? That’s probably the mentality of most people who are twenty-something. Most are in college or are just having [...]

At least once  a year, if not more, you visit the dentist and doctor to make sure everything’s working properly – why not give your finances the same opportunity? As we approach the busy holiday season, it’s easy to let attention slip from personal finance. If you find yourself barreling toward the end of 2009 [...]

There is a tug of war going on over your money right now.  When you sit down and think about it, you know that you should save your money, pay off your debt and provide for your future.  Unfortunately there are other forces coming after your money.  Not only do you have to deal with [...]

We’ve all heard the stories of lotto winners who win millions, think they’re set for life, and then go broke within a decade. Or people who inherit large sums of money and end up in financial ruin, family feuds, or both. The word “windfall” can mean different things to different people — if you’re young [...]

Many of us were not taught the importance of personal money management when we were young. We did not learn to save, invest, allocate, or how to make our money work for us. Many of us are in debt, have no idea how we got here and do not know how to start digging ourselves [...]