Category Archives: Retirement

6 TED Talks on Personal Finance You Need to Know About

6 TED Talks on Personal Finance You Need to Know About

People who want to learn about personal finance have more tools than ever before with the growing popularity of blogs, podcasts, and more. One of the best resources that individuals can use to learn more about taking control of their finances are TED Talks, a series of presentations providing unique insight on a particular subject… Continue Reading

How to Write the Strongest Home Purchase Offer Possible

How to Write the Strongest Home Purchase Offer Possible

One of the most stressful personal finance processes that people may go through is purchasing a home, which includes everything from making an offer to securing financing. In a seller’s market, like the one we are currently in, individuals often face a lot of competition when they put in an offer on a home. For… Continue Reading

7 Ways to Change How You Think about Personal Finance

7 Ways to Change How You Think about Personal Finance

People often think that managing personal finances boils down to saving money whenever possible and minimizing spending, but this is a very simplistic point of view. In reality, one’s financial wellbeing is more about mindset than actions. While actions are what get people out of debt and boost their savings, individuals need to take the… Continue Reading

7 Personal Finance Strategies You Need to Know if You Are in Your 40s

7 Personal Finance Strategies You Need to Know if You Are in Your 40s

Once individuals hit their 40s, they need to focus on securing their finances so that they are ready for retirement and other demands. During this time, kids may be preparing to start college and parents may need expensive nursing care. Consequently, our 40s prove extremely stressful in terms of finances, and this makes it extraordinarily… Continue Reading

3 Retirement Savings Alternatives to the Traditional 401(k)

3 Retirement Savings Alternatives to the Traditional 401(k)

One of the most critical yet confusing aspects of personal finance is saving for retirement. Individuals have a number of different options for saving, and it can become difficult to decide which avenue is the best. Many people do not even realize all the different options that exist and tend to stick primarily with the… Continue Reading

The 5 Factors that Contribute to a FICO Credit Score You Need to Know

The 5 Factors that Contribute to a FICO Credit Score You Need to Know

Individuals working to improve their credit scores need to understand how the score is calculated. There are many misconceptions about what factors do and do not contribute to this score. Dedicating time and energy to address issues that will not even affect one’s score is a waste of effort. Fortunately, when individuals understand the approximate… Continue Reading

What You Need to Know About the Retirement Savings Tax Debate

What You Need to Know About the Retirement Savings Tax Debate

One of the most important tools that individuals use to save for retirement is the 401(k) plan, which now faces an uncertain future. With different messages coming from the legislative and executive branches regarding potential changes to tax law considering 401(k)s, many Americans are rightfully worried about what the future holds for this popular investment… Continue Reading

A Look at the Benefits and Drawbacks of Investing in Index Funds

A Look at the Benefits and Drawbacks of Investing in Index Funds

The former president of DFC Global Corporation, Don Gayhardt serves as chief executive officer and president of CURO Financial Technologies Corp. Through CURO, Don Gayhardt provides short-term financial services to unbanked and underbanked individuals. He is also a member of the Community Financial Services Association of America board. Through these positions, he helps individuals reclaim… Continue Reading

6 Ways You Can Jumpstart Retirement Savings Efforts Today

6 Ways You Can Jumpstart Retirement Savings Efforts Today

Finance professionals tell their clients to start saving for retirement as early as possible. Following this advice allows people to avoid playing catchup later in life, which can prove extremely challenging. Many people neglect retirement savings when they are young because they think it will hinder their ability to pursue other activities. Other people may… Continue Reading

How Options Can Mitigate the Risk of Investing in Stocks

How Options Can Mitigate the Risk of Investing in Stocks

Many investors rely on options to round out their portfolios. While options have traditionally been considered risky investments, investors who understand these risks can use them to accomplish a number of financial goals. As with futures, options can be used to hedge against declines in the market and to minimize losses, as well as to… Continue Reading