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4%

You’re Probably Using the 4% Rule All Wrong

January 29, 2023 by Brett Tams

The 4% rule is the most popular shorthand in retirement planning. And you’re probably using it wrong.

Posted in: Financial Planning, Money Basics, Retirement Tagged: 2, 2021, 2022, 30-year, 4%, 4% rule, All, Amount Of Money, ARM, basics, Benefits, big, Blog, bond, bonds, brokerage, Built, Capital Gains, capital gains tax, Choices, consumption, cost, Cost of Living, Crisis, data, Dave Ramsey, Debt, experts, Finance, Financial Planning, Financial Wize, FinancialWize, fire, fund, gas, good, graph, great, groceries, growth, Halloween, historical, Income, income tax, Inflation, interest, Investing & Retirement, investment, investment portfolio, kitces, Learn, Life, Make, market, markets, Mistakes, money, More, Morningstar, most popular, Moving, multiply, net worth, new, Other, pension, percent, Personal, personal finance, photos, plan, planner, Planning, podcast, poor, Popular, portfolio, probability, rate, Rates, Rent, retirees, retirement, retirement accounts, Retirement Planning, retirement savings, returns, right, running, safe, save, Saving, savings, security, simple, single, smart, Social Media, social security, social security benefits, Spending, stock, stocks, story, tax, taxes, The Wall Street Journal, time, traditional, Treasury, trinity, trinity study, update, Valuations, wall, wealth, will, withdrawal, wood, work, wrong

$95000 a Year is How Much an Hour? Good Salary?

January 25, 2023 by Brett Tams

95k salary is a good hourly wage when you think about it. When you get a job and you are making about…

Read More… $95000 a Year is How Much an Hour? Good Salary?

Posted in: Money Tips Tagged: 2, 2021, 4%, 401k, agent, All, Amazon, Amount Of Money, ask, Bank, bank account, basic, basics, before, big, bills, brokerage, brokers, Budget, business, Buy, Buying, calculator, california, Career, Career Change, Children, Choices, Cities, city, Clothing, commission, cost, Cost of Living, couple, debate, Debt, debt free, deductions, deposit, education, Eliminate Debt, employer, Employment, expenses, expensive, experience, experts, Family, Finance, Financial Goals, Financial Wize, FinancialWize, Florida, food, freelance, frugal, fun, Giving, goal, goals, gold, good, great, Grow, helpful, hold, home, hourly, household, household budget, household income, Housing, How To, how to make a budget, impact, Income, income level, Income Taxes, Inflation, Insurance, interview, Invest, items, job, jobs, kids, launch, Learn, learned, Life, Lifestyle, Live, living expenses, low, low cost of living, LOWER, Main, Make, Make Money, making, market, median household income, Medicare, mississippi, money, Money Management, More, more money, Move, needs, net income, new, New Jersey, new york, Operations, Other, parents, passive, passive income, Pay Off Debt, paycheck, paycheck to paycheck, Personal, personal finance, plan, priorities, programs, quality, Raising a Family, rate, Research, Review, Salary, sales, save, Saving, savings, second, second job, security, selling, Side Hustles, single, smart, Smart Money, social security, Spending, Starting Out, states, stock, stress, students, Style, tax, taxes, teaching, texas, thrift, tips, trading, Transportation, united, virtual, will, work, working, working from home, Yard

What does the future look like for crypto lenders?  

January 24, 2023 by Brett Tams

Five years ago, the nascent crypto lending market looked promising. Crypto lenders like Salt Lending, Celsius Network, BlockFi, Voyager Digital, Nexo and Unchained Capital were meeting a demand among digital-asset investors who wanted a tax-free return on their money. They had already weathered a crypto downturn and were confident their future looked bright.  In the … [Read more…]

Posted in: Refinance, Renting Tagged: 2021, 2022, 4%, agent, All, assets, Bank, Banking, bankruptcy, before, bitcoin, business, Buy, cars, CEO, coinbase, commission, company, Compound, Consumers, cost, crash, crypto, crypto assets, cryptocurrencies, cryptocurrency, currency, deposit, earn interest, environment, estate, Family, FDIC, Financial Wize, FinancialWize, funds, gemini, General, good, hold, industry, interest, interest rates, interview, Invest, investment, investors, launch, Law, lawsuit, lenders, lending, Life, loan, Loans, Luxury, Main, Make, market, Marketing, markets, model, money, More, Move, needs, new, new york, offer, Offices, opportunity, Other, payments, Planning, products, programs, protect, protection, Purchase, Rates, Real Estate, Regulatory, risk, savings, Savings Account, Savings Accounts, SEC, second, securities, security, Sell, startups, story, taxes, Technology, traditional, trust, under, volatility, will, withdrawal, work, working

$54000 a Year is How Much an Hour? Good Salary to Live On?

January 24, 2023 by Brett Tams

54k salary is a solid hourly wage when you think about it. At least it was before 2022. When you get your…

Read More… $54000 a Year is How Much an Hour? Good Salary to Live On?

Posted in: Money Tips Tagged: 2, 2021, 2022, 4%, 401k, agent, All, Amazon, Amount Of Money, ask, Bank, bank account, basic, basics, before, big, bills, brokerage, brokers, Budget, business, Buy, Buying, calculator, california, car, Career, Career Change, Children, Choices, Cities, city, Clothing, commission, cost, Cost of Living, couple, debate, Debt, debt free, deductions, deposit, driving, education, Eliminate Debt, employer, Employment, expenses, expensive, experience, experts, Family, Finance, Financial Goals, Financial Wize, FinancialWize, first job, Florida, food, freelance, frugal, fun, fund, Giving, goal, goals, gold, good, great, Grow, helpful, hold, home, hourly, household, household budget, household income, Housing, How To, how to make a budget, impact, Income, income level, Income Taxes, Inflation, Insurance, interview, Invest, items, job, jobs, kids, launch, Learn, learned, Life, Lifestyle, Live, living expenses, low, LOWER, Main, Make, Make Money, making, market, median household income, Medicare, money, Money Management, More, more money, Move, needs, net income, new, New Jersey, new york, Operations, Other, parents, passive, passive income, Pay Off Debt, paycheck, paycheck to paycheck, Personal, personal finance, plan, priorities, programs, quality, Raising a Family, rate, Research, Review, Salary, sales, save, Saving, savings, Savings Account, second, second job, security, selling, Side Hustles, single, smart, Smart Money, social security, Spending, Starting Out, states, stock, stress, students, Style, tax, taxes, teaching, texas, thrift, tips, trading, Transportation, united, virtual, will, work, working, working from home, Yard

How to Save for Retirement From Your 20s to Your 60s

January 24, 2023 by Brett Tams

Deciding how to save for retirement is confusing, but here’s a guide to help you determine whether you should prioritize your 401(k) or your IRA.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Posted in: Money Basics, Retirement Tagged: 2, 2021, 2022, 2023, 4%, 401(k) plan, 529, 529 plan, advice, aid, All, annuity, apartment, assets, balance, beach, bear market, before, Benefits, big, bills, bitcoin, bonds, brokerage, Budget, Budgeting, Career, CDs, Children, College, College Savings, company, Compound, couple, COVID-19, crash, Credit, credit card, Credit Card Debt, dear penny, Debt, decades, dividend, dividend stocks, down payment, earning, earning money, earnings, education, Emergency, Emergency Fund, employer, equity, estate, ETFs, evergreen, expenses, expensive, Extra Income, Extra Money, Family, federal student loans, Finance, financial aid, Financial Wize, FinancialWize, Forbearance, Freebies, freelance, fund, funds, Giving, goals, good, Grandchildren, great, Grow, growth, guide, health, Health care, health savings account, healthy, home, homeownership, How To, How to save for retirement, hsa, Income, index, Inflation, interest, interest rate, interest rates, Invest, Investing, investment, investments, IRA, irs, job, kids, Life, Lifestyle, lifestyle inflation, Live, loan, Loans, low, LOWER, Make, making, market, Medicare, money, More, Mortgage, Mortgages, Move, mutual funds, needs, net worth, offers, Other, panic, pay bills, paycheck, Paying Off Debt, payments, payroll taxes, Personal, personal finance, plan, planner, Planning, public service, Purchase, questions, Raise, rate, Rates, ready, Real Estate, real estate investments, refinancing, repub, required minimum distributions, resume, retire early, retirement, retirement account, retirement accounts, retirement funds, Retirement Planning, retirement plans, retirement savings, returns, Reverse, reverse mortgage, risk, roth, Roth IRA, safe, Salary, save, Save Money, Saving, Saving for Retirement, savings, Savings Account, Savings Goals, Savings Strategies, School, security, Seniors, SEO, Side Hustle, smart, social security, social security benefits, spouse, Start Saving, stock, stock market, stock market crash, stocks, Strategies, student, student loan, student loan debt, Student Loans, tax, taxes, The Stock Market, traditional, traditional IRA, tuition, under, unique, Vs., waves, will, withdrawal, woman, women, work, workers, working

How to Invest: Tips for Getting Started in 2023

January 24, 2023 by Brett Tams

Making money on the market is very different in 2019 from years ago. Here’s what you need to know about how to invest, from DIY brokerage accounts to robo-advisors and more.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Posted in: Frugal Living, Investing Tagged: 2, 2023, 4%, 401(k) plan, 529, Acorns, active, advice, All, Amazon, app, Apps, art, assets, average savings, Bank, bank account, banks, bar, basic, before, big, bills, bitcoin, bond, bonds, brokerage, brokerages, build, building, business, Buy, calculator, Capital Gains, capital gains taxes, Career, cars, CD, CDs, clear, College, commissions, company, Compound, Compound Interest, cost, cryptocurrency, currency, Debt, deposit, diversification, diversify, dividends, DIY, down payment, Earn money, earning, equity, Essentials, estate, ETFs, evergreen, expense, expensive, experience, experts, Featured, Fees, finances, Financial Goals, Financial Wize, FinancialWize, food, Freebies, freelancers, fun, fund, funds, General, get started, Getting Started, Giving, goals, gold, good, Google, government, green, Grow, growth, guide, health, Health care, health savings accounts, historical, history, hoarders, hold, home, Home Ownership, house, How To, Income, income tax, index, industry, Inflation, interest, interest rate, Invest, Investing, investing apps, investing in the stock market, investment, investment apps, investment portfolio, investments, investors, IRA, irs, job, Learn, lgbt, loan, low, LOWER, Main, Make, making, Making Money, market, Medical, money, money market, money market accounts, More, Morgan Stanley, Morningstar, mutual funds, needs, offer, offers, Original, Other, ownership, passive, passive income, Personal, plan, planner, portfolio, products, property, Property Investments, Purchase, rate, Real Estate, Real Estate Investing, repub, Research, retirement, retirement accounts, retirement savings, returns, risk, robo-advisor, robo-advisors, roth, Roth IRA, safety, save, Save Money, Saving, saving money, savings, Savings Account, Savings Accounts, searching, securities, Sell, SEO, shares, Short Story, single, Spending, stock, stock market, stocks, story, tax, taxes, Technology, The Stock Market, timeline, tips, traditional, traditional IRA, Travel, Treasury, treasury bills, under, unique, vehicles, virtual, wages, wall, wealth, wealth management, will, work

My Favorite Credit Cards in Each Category

January 24, 2023 by Brett Tams

The world of miles, points and credit cards can be a bit overwhelming. Here are a few of my favorite credit cards for different categories of spending.

The post My Favorite Credit Cards in Each Category appeared first on MintLife Blog.

Posted in: Find An Apartment Tagged: 2, 4%, agents, All, Amazon, american express, annual savings, balance, Bank, best credit cards, big, Blog, blue, blue business plus, blue cash, bonus, bonuses, business, cash back, chase, couple, Credit, Credit & Credit Cards, credit card, credit cards, Credit Info, credits, dining, earning, exercise, expenses, Fall, Family, Fees, Financial Wize, FinancialWize, food, freelance, gas, gas stations, gold, good, grocery, Grocery Shopping, grocery stores, hilton, home, house, How To, kids, Life, Make, Membership Rewards, miles, Mint, money, monthly expenses, More, Move, new, offer, offers, points, Popular, premium, questions, rate, Rates, restaurants, Review, rewards, savings, shopping, Spending, Starting Out, subscription services, target, the balance, Travel, travel the world, united, Vs., will

Check Out How Much Wells Fargo Raised Mortgage Rates This Week

January 24, 2023 by Brett Tams

Mortgage Rate Armageddon continued this week, thanks mostly to the Fed and Mr. Ben Bernanke, who made it clear we will eventually have to fend for ourselves. Pundits already knew about a potential tapering of the Fed’s mortgage bond buying program (QE3), but now there’s talk of a complete wind down by mid-2014. As a… Read More »Check Out How Much Wells Fargo Raised Mortgage Rates This Week

The post Check Out How Much Wells Fargo Raised Mortgage Rates This Week appeared first on The Truth About Mortgage.

Posted in: Mortgage News, Mortgage Rates, Refinance, Renting Tagged: 15-year, 30-year, 4%, bond, Buying, clear, country, DTI, fed, FHA, FHA loans, Financial Wize, FinancialWize, homeowners, Loans, low, Make, market, More, Mortgage, Mortgage News, mortgage payment, MORTGAGE RATE, Mortgage Rates, Mortgages, News, rate, Rates, the fed, wells fargo, will

30-Year Fixed Mortgage Rates Spike 17 Basis Points

January 24, 2023 by Brett Tams

Mortgage rates for 30-year fixed mortgages rose this week, with the current rate borrowers were quoted on Zillow Mortgage Marketplace at 4.22 percent, the highest rate reported since late September.

Posted in: Mortgage, Mortgage Rates, Paying Off Debts, Renting Tagged: 15-year, 30-year, 4%, All, apr, ARM, Biden Administration, borrowing, calculator, Credit, credit rating, credit score, Current Mortgage Rates, data, Debt, down payment, Economy, Fall, Featured, Federal Reserve, FHA, FHA loan, Financial Wize, FinancialWize, government, home, home loan, home loans, Housing, Housing market, Inflation, Insurance, interest, interest rate, investors, loan, Loans, low, market, Market Trends, Mortgage, mortgage calculator, MORTGAGE RATE, Mortgage Rates, Mortgages, Move, new, payments, points, proof, Raise, rate, Rates, Reverse, risk, sales, stock, summer, taxes, title, trends, Unemployment, VA, VA loan, volatility, will, Zillow, zillow mortgage marketplace

$51000 a Year is How Much an Hour? Good Salary to Live On?

January 24, 2023 by Brett Tams

51k salary is a solid hourly wage when you think about it. At least it was before 2022. When you get your…

Read More… $51000 a Year is How Much an Hour? Good Salary to Live On?

Posted in: Money Tips Tagged: 2, 2021, 2022, 4%, 401k, agent, All, Amazon, Amount Of Money, ask, Bank, bank account, basic, basics, before, big, bills, brokerage, brokers, Budget, business, Buy, Buying, calculator, california, car, Career, Career Change, Children, Choices, Cities, city, Clothing, commission, cost, Cost of Living, couple, debate, Debt, debt free, deductions, deposit, driving, education, Eliminate Debt, employer, Employment, expenses, expensive, experience, experts, Family, Finance, Financial Goals, Financial Wize, FinancialWize, first job, Florida, food, freelance, frugal, fun, fund, Giving, goal, goals, gold, good, great, Grow, helpful, hold, home, hourly, household, household budget, household income, Housing, How To, how to make a budget, impact, Income, income level, Income Taxes, Inflation, Insurance, interview, Invest, items, job, jobs, kids, launch, Learn, learned, Life, Lifestyle, Live, living expenses, low, LOWER, Main, Make, Make Money, making, market, median household income, Medicare, money, Money Management, More, more money, Move, needs, net income, new, New Jersey, new york, Operations, Other, parents, passive, passive income, Pay Off Debt, paycheck, paycheck to paycheck, Personal, personal finance, plan, priorities, programs, quality, Raising a Family, rate, Research, Review, Salary, sales, save, Saving, savings, Savings Account, second, second job, security, selling, Side Hustles, single, smart, Smart Money, social security, Spending, Starting Out, states, stock, stress, students, Style, tax, taxes, teaching, texas, thrift, tips, trading, Transportation, united, virtual, will, work, working, working from home, Yard
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