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The 401(a) Plans and Rollover Rules (what you need to know)

January 30, 2023 by Brett Tams

There’s a type of retirement plan that’s in the “401 family” that gets little attention. Maybe that’s because only a relatively small number of employers offer it, even though the number of employees participating in the plan is probably in the millions. It’s called the 401(a) plan, and while it’s much like the 401(k) plan […]

The post The 401(a) Plans and Rollover Rules (what you need to know) appeared first on Good Financial Cents®.

Posted in: Retirement, Starting A Family Tagged: 2021, 2022, 2023, 401(k) plan, 401k, AAMS, Accredited Asset Management Specialist, ad, advisor, All, analysis, assets, author, balance, basics, before, beneficiaries, beneficiary, Benefits, Blog, blue, bond, bonus, book, business, cents, chance, Choices, College, color, Commercial, commission, Compensation, cost, custom, data, death, decision, Deductible, disclosure, dividends, earnings, employer, entry, Family, faq, Featured, Fees, Finance, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, freedom, fund, funds, General, good, Google, government, great, green, Grow, house, Illinois, Income, income tax, Insurance, insurance premiums, Invest, investment, IRA, IRAs, irs, items, job, layout, Learn, Life, life insurance, list, Loans, Main, Make, married, mess, money, More, new, offer, Other, ownership, payments, pension, Personal, personal finance, plan, planner, Planning, podcast, protection, Purchase, Rates, required minimum distributions, Research, retirement, retirement account, retirement accounts, retirement funds, retirement plan, Retirement Planning, retirement plans, returns, Revenue, right, RMDs, rollover, roth, Roth IRA, Roth IRA conversion, save, School, schools, science, SEC, securities, selling, single, spouse, stable, stock, target, tax, tax rates, taxes, the balance, time, title, traditional, traditional IRA, trustee, under, value, Video, wealth, wealth management, will, withdrawal, work, workers, working, youtube

Community supported agriculture and tour budget: Is it worth it?

January 30, 2023 by Brett Tams
Fresh vegtables and pasta in a photo illustration

We joined a CSA this year, our first time venturing into the realm of Community Supported Agriculture. I have been intrigued with the concept for several years, as I have friends who rave about their weekly boxes of fresh veggies from a local farm. A special deal popped up in my Facebook feed in late winter and I decided to do it.

We shelled out $475 ($450 for the CSA and $25 one-time delivery fee). The reason I finally took the plunge is because the CSA was coming from a farm in Salem, Connecticut, (about 30 miles from my home) but was being delivered to a farm in our town (about a 7 minute drive up the road). So the convenience factor weighed heavily in the decision.

The $450 applies to a season that started the last week in May and will run through November. That’s 25 weeks, equaling an expense of $18 a week. The box of vegetables provides about 5-10 lbs of produce a week. From May through October we typically shop for veggies and fruits at our local farmers’ markets (we are blessed with several near our home), where we easily spend around $40 a week. The CSA does not include fruit.

Posted in: Personal Finance Tagged: 2, 2016, All, baby, before, Budget, budgets, Buy, Connecticut, cons, Consumerism, Convenience, cost, data, decision, expense, Fall, Family, farm, finances, Financial Wize, FinancialWize, front, Frugality, fruit, Giving, good, Google, grocery, home, house, household, kitchen, Live, Local, Marketing, markets, miles, natural, new, News, Pantry, Parenting, percent, products, pros, Recipes, simple, Spring, states, Style, summer, time, tips, title, tour, town, united, USDA, will, winter

Dave Ramsey Comments On My Post About His New House, His Debt Philosophy And Giving

January 30, 2023 by Brett Tams

Dave Ramsey recently built a new house and paid cash for it. I wrote about it, and a discussion quickly started, which Ramsey himself added to. Here’s a further discussion of what he had to say.

The post Dave Ramsey Comments On My Post About His New House, His Debt Philosophy And Giving appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

Posted in: Money, Money Tips Tagged: 2, All, ask, before, big, build, building, Built, business, Buying, car, Christianity, clear, closing, color, Commentary, cost, Credit, credit cards, data, Dave Ramsey, Debt, decision, Ethics, Family, Financial Wize, FinancialWize, foundation, fund, General, Giving, good, great, hold, home, house, How To, Income, items, journey, kids, learned, legacy, Life, Lifestyle, Live, Local, Make, making, Making Money, man, men, mobile, money, Money Matters, More, Mortgage, mortgage debt, natural, net worth, new, office, Other, Personal, points, poor, Prayer, present, pretty, Purchase, Raise, rich, right, second, shares, stewardship, story, tax, Tennessee, title, tools, trusts, Twitter, value, wants, wealth, will, working, wrong

3 Important Lessons My Parents Taught Me About Life & Money

January 30, 2023 by Brett Tams

H&R Block recently contacted me to tell me about their Budget Challenge — a teen financial literacy program that simulates an adult’s financial life and rewards students for mastering real-world financial decision-making. It looks so helpful and fun and I love that they are committed to encouraging kids to learn important financial lessons from aRead More

Posted in: Real Estate News Tagged: 2, air, Air Conditioning, All, ARM, basic, before, book, Budget, Budgeting, building, business, Children, Choices, College, country, data, Debt, decision, disclosure, dream, earning, education, experience, Finance, finances, financial lessons, Financial Literacy, Financial Wize, FinancialWize, fun, gardening, gifts, goal, goals, good, heat, helpful, home, house, How To, impact, Inspiration, Invest, investment, kids, Learn, lessons, Life, LITE Feed (non-deal) Posts, Live, Make, making, Manage Money, marriage, memories, Michigan, money, Money Management, Money-Saving Ideas, More, mountains, Move, new, Other, parents, Personal, personal finance, Prayer, president, ready, rewards, right, safety, Saving, saving money, scholarships, School, simulation, single, Spending, storage, storage unit, student, students, teachers, thankful, time, title, value, will, work, young

7 Best Stock Market Simulators

January 30, 2023 by Brett Tams

The post 7 Best Stock Market Simulators appeared first on Well Kept Wallet.

Posted in: Investing, Money Basics Tagged: 2, affordable, All, app, balance, before, beginner, Benefits, bonds, bonus, book, brokerage, brokerage firms, Budget, build, Buy, Buying, chance, Choices, commissions, commodities, company, Competition, cons, contracts, cost, data, day trading, decision, design, education, ETFs, exercise, existing, expensive, experience, Family, faq, Fees, Financial Wize, FinancialWize, funds, futures, Giving, goals, great, Homepage, ideas, Income, income level, Invest, Investing, investing in the stock market, investment, investment portfolio, investment strategies, investments, investors, layout, Learn, library, Life, list, Live, low, Make, margin trading, market, markets, MarketWatch, mobile, Mobile App, money, More, needs, new, offer, offers, Online Trading, Other, Personal, pinterest, plan, portfolio, premium, programs, pros, Purchase, questions, Quotes, Real Life, returns, Review, right, risk, room, safe, searching, Sell, selling, simulation, single, Software, software subscriptions, stock, stock market, stock trading, stocks, Strategies, stress, Style, subscriptions, Terminology, The Stock Market, time, title, tools, trading, unique, virtual, will, work, working

7 Best Stock Market Simulators

January 30, 2023 by Brett Tams

The post 7 Best Stock Market Simulators appeared first on Well Kept Wallet.

Posted in: Investing, Money Basics Tagged: 2, affordable, All, app, balance, before, beginner, Benefits, bonds, bonus, book, brokerage, brokerage firms, Budget, build, Buy, Buying, chance, Choices, commissions, commodities, company, Competition, cons, contracts, cost, data, day trading, decision, design, education, ETFs, exercise, existing, expensive, experience, Family, faq, Fees, Financial Wize, FinancialWize, funds, futures, Giving, goals, great, Homepage, ideas, Income, income level, Invest, Investing, investing in the stock market, investment, investment portfolio, investment strategies, investments, investors, layout, Learn, library, Life, list, Live, low, Make, margin trading, market, markets, MarketWatch, mobile, Mobile App, money, More, needs, new, offer, offers, Online Trading, Other, Personal, pinterest, plan, portfolio, premium, programs, pros, Purchase, questions, Quotes, Real Life, returns, Review, right, risk, room, safe, searching, Sell, selling, simulation, single, Software, software subscriptions, stock, stock market, stock trading, stocks, Strategies, stress, Style, subscriptions, Terminology, The Stock Market, time, title, tools, trading, unique, virtual, will, work, working

Pay off debt or invest: Which is smarter?

January 30, 2023 by Brett Tams

Big payments on credit card debts, student loans and mortgages eat away at how much you can save or invest. A sense of obligation or even guilt can dissuade people from opening an investment account and funding their retirement portfolios before these debts are paid off. That could be a costly mistake.Lots of people make a mistake when they pay off debt before investing. Here’s when to tackle your debt first, and when to invest before digging out of debt.

The post Pay off debt or invest: Which is smarter? appeared first on Money Under 30.

Posted in: Debt, Investing, Money Basics Tagged: apr, balance, balance transfer, before, Benefits, big, build, Buying, Buying a house, Capital Gains, capital gains taxes, car, car loan, company, Compensation, Compound, Compound Interest, cost, Credit, credit card, Credit Card Debt, credit cards, credit score, credit scores, credit utilization, creditors, Debt, debt consolidation, debt vs. investing, Debts, decision, dividend, Emergency, Emergency Fund, employer, employer match, equity, estate, expense, expenses, expensive, Finance, Financial Decision Making, financial well-being, Financial Wize, FinancialWize, financing, fomo, front, fund, funds, Get Out of Debt, gift, good, Grow, growth, home, homeowners, house, impact, Income, income level, interest, interest rate, Invest, Investing, investment, investment portfolio, investment property, investments, investors, job, lenders, leverage, Life, living expenses, loan, Loans, low, LOWER, Make, making, market, mistake, money, More, more money, Mortgage, mortgage interest, Mortgage Rates, Mortgages, Move, passive, passive income, Pay Off Debt, pay off debt or invest, Paying Down Debt, Paying Off Debt, payments, plan, poor, portfolio, principal, property, Purchase, quality, Raise, rate, Rates, Real Estate, renovations, rental, rental property, retirement, retirement accounts, retirement fund, return, return on investment, risk, ROI, Salary, save, Saving, Sell, selling, sleep, stock, stock market, stocks, Strategies, student, Student Loans, tax, tax-advantaged, taxable income, taxes, The Stock Market, time, title, under, value, Vanguard, vanguard funds, wealth, will, work

Pay off debt or invest: Which is smarter?

January 30, 2023 by Brett Tams

Big payments on credit card debts, student loans and mortgages eat away at how much you can save or invest. A sense of obligation or even guilt can dissuade people from opening an investment account and funding their retirement portfolios before these debts are paid off. That could be a costly mistake.Lots of people make a mistake when they pay off debt before investing. Here’s when to tackle your debt first, and when to invest before digging out of debt.

The post Pay off debt or invest: Which is smarter? appeared first on Money Under 30.

Posted in: Debt, Investing, Money Basics Tagged: apr, balance, balance transfer, before, Benefits, big, build, Buying, Buying a house, Capital Gains, capital gains taxes, car, car loan, company, Compensation, Compound, Compound Interest, cost, Credit, credit card, Credit Card Debt, credit cards, credit score, credit scores, credit utilization, creditors, Debt, debt consolidation, debt vs. investing, Debts, decision, dividend, Emergency, Emergency Fund, employer, employer match, equity, estate, expense, expenses, expensive, Finance, Financial Decision Making, financial well-being, Financial Wize, FinancialWize, financing, fomo, front, fund, funds, Get Out of Debt, gift, good, Grow, growth, home, homeowners, house, impact, Income, income level, interest, interest rate, Invest, Investing, investment, investment portfolio, investment property, investments, investors, job, lenders, leverage, Life, living expenses, loan, Loans, low, LOWER, Make, making, market, mistake, money, More, more money, Mortgage, mortgage interest, Mortgage Rates, Mortgages, Move, passive, passive income, Pay Off Debt, pay off debt or invest, Paying Down Debt, Paying Off Debt, payments, plan, poor, portfolio, principal, property, Purchase, quality, Raise, rate, Rates, Real Estate, renovations, rental, rental property, retirement, retirement accounts, retirement fund, return, return on investment, risk, ROI, Salary, save, Saving, Sell, selling, sleep, stock, stock market, stocks, Strategies, student, Student Loans, tax, tax-advantaged, taxable income, taxes, The Stock Market, time, title, under, value, Vanguard, vanguard funds, wealth, will, work

How to Invest in Stocks: Investing in Stocks for Beginners

January 30, 2023 by Brett Tams

So, you’re considering investing in stocks, but not sure where to start? Our guide to investing in stocks for beginners will help you start off on the right foot. Quick note: If you’re wondering what stocks are and how they work, check out our “What is a Stock?” blog post to get the lowdown first.

The post How to Invest in Stocks: Investing in Stocks for Beginners appeared first on MintLife Blog.

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Mortgage Forbearance: Understanding the Basics

January 30, 2023 by Brett Tams

When your budget is tight due to a financial setback, figuring out how to handle expenses is overwhelming. Thankfully, there are options like mortgage forbearance to ease the financial burden resulting from crises like the COVID-19 pandemic. Mortgage forbearance is when your mortgage servicer or lender allows you to pause or reduce your payments for

The post Mortgage Forbearance: Understanding the Basics appeared first on MintLife Blog.

Posted in: Minimalist LIfestyle Tagged: 2, 2022, 529, action, agreements, aid, All, Alternatives, app, ask, author, balance, basics, before, bills, Blog, Borrow, borrowing, Budget, Budgeting, CARES Act, CFPB, color, company, Consumer Financial Protection Bureau, Conventional Loans, coronavirus, covid, COVID-19, COVID-19 pandemic, Credit, credit card, credit score, Crisis, data, decision, deferment, Department of Housing and Urban Development, education, expenses, experts, Family, Fannie Mae, Fannie Mae and Freddie Mac, federal loans, Fees, FHA, Financial Goals, financial hardship, Financial Wize, FinancialWize, financing, Forbearance, forbearance extension, foreclosure, Freddie Mac, front, goals, government, GSEs, guide, home, Home & Refinance, Home Improvement, Homeowner, homeowners, Housing, Housing Finances, How To, HUD, impact, improvement, Income, Insurance, insurance costs, interest, job, Law, layout, Learn, lenders, Life, loan, loan modification, Loans, LOWER, Main, Make, making, Mint, mint.com, mobile, money, monthly expenses, More, Mortgage, mortgage forbearance, mortgage loan, mortgage payments, mortgage relief, Mortgage servicer, Mortgages, Move, Moving, Other, pandemic, payments, plan, proactive, programs, projects, property, protection, questions, retirement, retirement account, retirement accounts, retirement savings, Review, risk, save, savings, scams, searching, second, second job, security, Sell, Side Hustle, single, smart, Smart Spending, Spending, Strategies, student, Student Loans, Style, taxes, time, tips, title, tools, Treasury, U.S. Department of Housing and Urban Development, under, USDA, VA, VA loans, veterans, veterans affairs, white, will, work
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