How to Make More Green in Your Next Yard Sale | Smart Change: Personal Finance

Liz Weston, CFP® A successful yard sale involves hours of preparation and a lot of hard work. Also a failed sale. I’ve had both and can say with confidence that the money-making version is the best. If you’re ready to take advantage of the warmer weather and the opportunity to retreat, consider these tips from … Read more

3 Unstoppable Investments Everyone Needs in Their Portfolio | Smart Change: Personal Finance

(James Bromley) Do you just want to set it and forget it, so to speak? While this mindset is at the core of the buy-and-hold strategy, it can also be argued that it is oversimplified. Obviously, buying and holding is a long-term affair, but that doesn’t mean you should never check out these stocks. However, … Read more

The Personal Finance Tips Every College Graduate Needs

picture: J Fialkovsky (stock struggle) For years I lived on a college budget, Find meals where possible, buy gas on a flight-by-flight basis, and never think once of the term “401(K).“ Getting that first salary from your employer will feel like more money than you know what to do with it. but bBefore you start … Read more

New laws, lenders boost access to affordable microcredit | personal financing

Annie Millerbrand Inflation has fallen particularly hard on people already They struggle to put gas in their cupboards and groceries in their refrigerator. For many, a payday loan may seem like the only way to get the necessary cash. However, in recent years, as more countries impose restrictions on short-term and risky loans, new lenders … Read more

How much should I save? Use these criteria to reach your savings goals | Savings and Budget

Over the past year, the personal savings rate among American consumers has fallen from 26.6% in March 2021 to 6.2% in March 2022. This means that Americans put less personal disposable income towards saving. Individuals may be restricted in how much they can save amid the recent high inflation rates, causing soaring prices for groceries, … Read more

How to Tell When Financial Advice Is Bad | Smart Change: Personal Finance

There are a lot of people out there who want to tell you what to do with your money. The problem is that only some of them know what they are talking about. Whether it’s a friend with hot investment advice, a relative spitting out outdated directives on “how to” or a social media influencer … Read more

Inherited IRA? Here’s what you need to know | Smart Change: Personal Finance

(Steven Walters) The rules surrounding an inherited IRA are a little more complex than those you encounter when opening and financing your own account, and which ones will apply largely depends on which category of beneficiary you belong to: spouse, child, or non-spouse, or an entity such as a property or charity. Each of these … Read more

What to do if you don’t need your RMD | Smart Change: Personal Finance

(Chuck Salita) Many retirees who have been solid savers throughout their careers reach retirement and are pleasantly surprised at how little they actually need from their nest eggs to make ends meet. between them Lower costs in retirement and income from Social Security and their after-tax portfolios, until some discover they don’t even need to … Read more

What to do if you don’t need your RMD | personal financing

(Chuck Salita) Many retirees who have been solid savers throughout their careers reach retirement and are pleasantly surprised at how little they actually need from their nest eggs to make ends meet. between them Lower costs in retirement and income from Social Security and their after-tax portfolios, until some discover they don’t even need to … Read more

What to do if you don’t need your RMD | personal financing

(Chuck Salita) Many retirees who have been solid savers throughout their careers reach retirement and are pleasantly surprised at how little they actually need from their nest eggs to make ends meet. between them Lower costs in retirement and income from Social Security and their after-tax portfolios, until some discover they don’t even need to … Read more