Categories


Life Events

Buying Your First Home
Purchasing a home is a major financial commitment. You'll take on new responsibilities with home ownership and you want to make sure that you're ready for it.
Starting Your First Job
Congratulations on your first job. If you’re like most people, you will find yourself in a maze of benefit documents and booklets from your employer.
Getting married
Your wedding is one of the biggest events in your life. You leave behind your individual lives and start working toward a common goal and financial future.
Starting a Family
Having your first child is one of the most exciting and memorable time. It also adds iimportant responsibilities that you will carry out in coming years.
Changing Jobs
In today’s difficult economy, chances are that you may have to look for a new job. This is a difficult time but with proper planning and decision making you can handle the process.
Divorce and Your Finances
You can’t predict every event in your lifetime, and divorce can be one of the most unfortunate, stressful and financially devastating event in your life.
Saving for College
Although children truly are a blessing, raising them comes with a huge price tag. If you plan to pay for your children's education, plan ahead.
Helping Elderly Parents
At some point in life, you may find yourself in a challenging place—caring for your growing children and your aging parents. .
Life After Retirement
You worked hard all your life and retirement is the time to sit back and enjoy your silver years. Retirement experience can also be challenging if your financial life is in trouble.

Financial Calculators



Recent Financial Articles

  •  By:Andrew Shultz

    Estate planning is the process of anticipating and arranging for the disposal of an estate. Estate planning typically attempts to eliminate uncertainties over the administration of a probate and maximize the value of the estate by reducing taxes and other expenses. Most people know little or nothing when it comes to estate planning.

    In Category - Personal Finance
  •  By:Ed McDonald

    One of the most important factors in purchasing your CD should be interest rate and you want to make sure you check both numbers – Annual Percentage Rate(APR) as well as Annual Percentage Yield(APY). Using APY is one of the way credit card company charge you lot more interest than what they quote you on the offer. Most of the time APR is what is quoted and APY is what is charged. You should consider a CD with higher APY because interest is added at smaller intervals and then you earn compounding interest.

    In Category - Savings and CDs
  •  By:Amanda Brown

    Wealth protection and transfer to your dependents is one of the critical piece is financial success. One of the simplest piece of financial advice is to spend less than what you earn. It may sound simple, but if you are not fully aware of how you spend money, you may be spending more than you realize. One you have master this, rest is easy but you need to figure out some parameters to measure your success.

    In Category - Wealth Management
  •  By:Andrew Shultz

    ETFs or exchange-traded-funds are portfolios of stocks and/or bonds that offer greater transparency, lower fees and more tax efficiency than your regular mutual funds. ETFs are also a great investment vehicle for people who can't tolerate higher risk. For example, owning an ETF that tracks S&P 500 index is less risky proposition than placing a bet on one or two S&P 500 stocks.

    In Category - Mutual Funds

Financial Education

Consumer household expenditure varies by the income group. Spending patterns also differ by age of household and work status. For example older workers allocate more to retirement, pension, and Social Security funds. US Department of Labor collects household expenditure data based on the income level. We have used two income groups (high - annual income - US$90,469 and medium - annual income US$39,100) to discuss expenditure patterns.

This data provides some very useful insight into the spending habits and financial priorities of different age groups. This data also explains disparities related to food and housing expenditure among various income group.

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