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Strategies to help ensure you don’t deplete your retirement savings too early

Planning Retirement September 16, 2022

Key Takeaways: You may be wondering how to ensure that you’ll have sufficient funds to live comfortably in retirement—and although there isn’t a one-size-fits-all approach—there are a few well-known tricks to help you make the most of your retirement savings. The 4% rule is a general retirement guideline suggesting that you can safely withdraw funds...
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What is a Health Savings Account (HSA) and Is It Worth it?

My Money April 18, 2022

According to Healthcare.gov, the definition of an HSA is “A type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. By using untaxed dollars in a Health Savings Account (HSA) to pay for deductibles, copayments, coinsurance, and some other expenses, you may be able to...
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How to Start an Emergency Fund

My Money March 23, 2021

What is an emergency fund? Sometimes called a rainy day fund , an emergency fund is money that you set aside to serve as your financial safety net for when you need it. What qualifies as an emergency? To a certain extent, an emergency varies by the individual, but one way to think of it...
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11 First-Time Homebuyer Tips

Buying / Selling March 14, 2023

Searching for your first home? Here are some tips to help the process.
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Personal Finance Tips for Dealing with Inflation

My Money September 16, 2022

Inflation is at the top of everyone’s minds right now. Our recent Nationwide Retirement Institute® survey found the majority of U.S. parents (60%) listed inflation or the rising cost of living as their top financial concern right now. [1] Coming out of the Covid-19 pandemic, we have seen supply-chain issues, as well as rising consumer...
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Keywords:
- financial planning
- money management
Strategies to consider when planning for your taxes

My Money February 14, 2022

As we begin the new year and get closer to tax day in April, many of us are thinking more about planning for taxes and different strategies we can take to be more tax-efficient. Many federal tax policies and priorities are still up in the air, which can lead to some confusion as to what...
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What is a Lienholder?

Buying / Selling December 7, 2021

What is a lien? Sometimes, a person’s word isn’t quite enough. When creditors feel that there is some risk a debt will not be repaid, they can establish what is known as a lien. A lien is a legal right against assets that can be used as collateral to satisfy an unpaid debt. In other...
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Should You Give Your College Student an Allowance?

College July 13, 2021

College is a series of firsts for students. It’s the first time they’ll live on their own, be responsible for every meal, handle their laundry and even complete homework without you there to help. Still, parents struggle with whether or not that independence should come with financial help. Should your college student get an allowance,...
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- college jobs
- working in college
How to Save Money and Spend Less

Saving & Spending March 25, 2021

Spending money is a fact of life. You need to spend money to pay for the essentials, like food, clothing, and a roof over your head. So it’s good to know that a budget can help you manage those expenses and keep your spending in check. To avoid impulse purchases and other temptations, try to...
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How Much Should You Spend on Rent?

Home March 11, 2021

Learning how to live on your own can be an exciting time in your life, but it’s also a big and costly transition. One of the first and most important decisions you’ll need to make involves finding a place to live that fits your budget. Because this is typically your largest expense, it raises the...
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What are Minority Small Business Grants and How to Get Them

Business October 13, 2020

Starting or expanding a business requires a lot of hard work and money to get off the ground. Finding ways to finance your venture can include everything from applying for loans to getting investors to using your own savings. For minority groups, another option is to get minority grants to start a business. What are...
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Should You Work After Retirement?

Empty Nester August 17, 2020

Are you thinking about returning to work after retirement? You might want to earn some extra income, stay social, or create more structure in your daily routine. Whatever your reason might be — and whether you’re already retired or are getting ready to leave the workforce in your current capacity — yes, you can work...
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What are the Different Types of Life Insurance?

Family & Life June 16, 2020

If you’re considering purchasing life insurance, it’s crucial to understand the different types of life insurance policies available. While term life insurance is pretty simple to understand, permanent life insurance comes in many forms, with investment options that increase their complexity. Here’s what you need to know about the different types of life insurance before...
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How to Pick a Small Business Retirement Plan [Slideshow]

Business January 17, 2019

Small business owners wear a lot of hats. Decisions on health care plans, retirement plans and other benefits are often left solely to the owner. Offering a small business retirement plan to employees isn’t always on the radar. A study by LIMRA showed that only 42 percent of small businesses offered retirement plans – despite...
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Millennials and Generation Z: How to Prioritize Finances to Get Ahead

Saving & Spending October 6, 2017

For Millennials, figuring out how and where to save money and invest it is a little trickier than for previous generations. In many ways this group has the same financial concerns of previous generations. They might be paying off student debt, saving for a house, putting money into retirement accounts, building an emergency fund and...
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