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A secondary credit card holder’s responsibility for credit card debt depends entirely on how the card was set up and the specific terms of the credit card agreement. While some supplementary cardholders may not be liable for any charges, others could be fully responsible for all debt on the account. Understanding these differences is crucial before accepting or adding someone as a secondary cardholder. Primary vs Supplementary Cardholders Credit card accounts have distinct roles, and […]

Financial stress is common worldwide today, especially given the financial climate we are in. We get it if you feel worried about your finances, but … Read More Here Are 8 Signs You’re Financially Better off Than Most Americans-Even if You Don’t Feel Like It

Coinbase is offering a $50 BTC new user bonus for new customers that complete their first trade of at least $1. Offer expires soon on 11/22/24. The promo code GET50 should already be populated. Fine print says $50 in Bitcoin should arrive within 24-48 hours (arrived within 5 minutes for me). This limited-time offer is better than the standard offer ($5 bonus) and the current referral offer ($20 bonus). Coinbase continues to try to be […]

Stocks and other financial markets have been popular among new and seasoned traders, as well as those interested in profit without having to invest a whole lot of their money. For an inexperienced trader or one who has not had success in the past, one of the most alluring ways to trade without losing your money is through a no-deposit bonus. It provides you with actual funds and does not threaten your wallet.  To successfully […]

Freecash is a popular reward site claiming that its users can easily make $100 a month on its platform. But is Freecash legit or is this just all smoke and mirrors and no money? You don’t need me to tell you that most of could use some extra money. After all, 78% of Americans are… Continue… The post Is Freecash Legit Or a Scam? (My Honest 2024 Review!) appeared first on MoneyPantry.com.

We also talked about the impact of the deficit on the stock market, how tariffs work, the long-term trend of interest rates and how to fix government debt levels. Further Reading: The Relationship Between Wages and Inflation The post Is the United States Going Broke? appeared first on A Wealth of Common Sense. …

Be good. Be smart. Get good grades. Challenge yourself as much as practicable. Get into a good college and do well there. Get a well-paying job. Get promoted, then lather, rinse, and repeat. Save money (“save” being undefined). Buy a house. Get married. Take nice vacations and buy lots of nice things (“nice” = expensive, because expensive = “nice”). Maybe buy a vacation home. Have kids. For all of these steps, take on debt if […]

Wondering if Scrambly.io is a legit rewards website that pays you for doing tasks like playing mobile games, taking surveys and completing offers or just another scan or at best a waste of time? With so many get paid to (GPT) sites and apps out there claiming to pay you for doing all kinds of… Continue… The post Is Scrambly Legit? (My 2024 Review) appeared first on MoneyPantry.com.

Pay equality is key in a fair and welcoming workplace. Today, as work environments change, employees want clear and equal pay practices to ensure everyone is paid fairly for what they do. These practices support fairness, boost morale and productivity, and help keep employees. Building a company’s pay equality needs effort, dedication, and a good grasp of how pay should match job roles and performance. If your organization is aiming for fair pay, here are […]

One of the core philosophies behind Lazy Man and Money is that you can manage your money without a lot of work. Typically, you set up a system once, such as contributing to a 401k plan, and then review it once or twice a year. Combining a good income and a few good systems is enough for most people to achieve financial success. If you are following this bare minimum philosophy of financial management, this […]

State debt across the U.S. has surged to new highs, posing serious challenges for residents. When states carry debt that outpaces revenue, it often creates financial strain, leading to budget cuts and the possibility of tax increases. This burdens consumers with rising living costs and skewed debt-to-income ratios. To shed light on this fiscal challenge, World Population Review delves into the national debt landscape, analyzing government debt levels across different states. Read the rest

The Big Picture On Rent To Retirement: Investing in rental properties can provide a stable income for retirement, with options like steady monthly rent, lump-sum cash from sales, and equity loans. This makes it a sustainable alternative to traditional retirement funds. Rental income can enhance retirement stability, allowing for regular cash flow even after the property mortgage is paid off. Additionally, selling the property or borrowing against equity can provide financial flexibility when needed. While real estate investment offers significant retirement advantages, consider factors like property management, tax implications, and long-term planning for sustainable benefits. Disclaimer The information provided on this website is for general informational purposes only and should not be construed as legal, financial, or investment advice.  Always consult a licensed real estate consultant and/or financial advisor about your investment decisions.  Real estate investing involves risks; past performance does not indicate future results. We make no representations or warranties about the accuracy or reliability of the information provided.  Our articles may have affiliate links. If you click on an affiliate link, the affiliate may compensate our website at no cost to you. You can view our Privacy Policy here for more information.    (Guest article by Michelle Cornish, CPA) Most North Americans aren’t on track for retirement, according to a recent survey conducted by Bankrate. I spent sixteen years working in public accounting, where I helped people with their taxes and retirement planning. Over and over, I found that people fear they haven’t saved enough for retirement. Nearly everyone wonders, “Do I have enough?” “How do I know my 401k won’t run out?” and “What happens if the stock market crashes right after I retire?” The good news is that there is more than one way to retire comfortably. One way is to start investing in rental properties before retirement. Consider three of the ways rental properties can ensure a comfortable retirement: Steady monthly income, Lump sum cash payout, and Equity loans. Stocks typically must be sold to supplement retirement income, and bonds eventually finish paying out. In other words, traditional nest eggs risk running empty at a certain point, but rental properties keep paying indefinitely.   Why Rental Properties Make Smart Retirement Assets Let’s dive in and take a closer look at these advantages of rentals for retirement, shall we?   Steady Monthly Income Rental income is a great supplement to other income you may have in retirement. It can even provide the bulk of your retirement income! Ideally, you’ve owned the property long enough that the mortgage is paid in full. This increases your monthly cash flow because you don’t have to worry about paying the mortgage out of the rental income you receive. If the property has been well maintained over the years, then your only major repair bills should be CapEx (capital expenditure)-related. You can also increase the rent to raise yourself.