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Guac App Review — Effortless Goal-Based Saving

March 22, 2023 by Brett Tams

Discover the Guac App, an innovative savings tool that simplifies goal-based saving by automatically setting aside a percentage of each purchase.
Posted in: Credit 101 Tagged: 2023, active, actual, alaska airlines, All, app, app review, apple, Apps, author, balance, Bank, bank account, Banking, basic, Beauty, before, big, book, car, cash back, categories, Checking Account, color, Credit, credit card, credit card issuer, credit cards, data, debit cards, decisions, design, discover, down payment, earn interest, Emergency, Emergency Fund, Fall, Family, Fashion, FDIC, Fees, Financial Goals, Financial Wize, FinancialWize, fixed, flight, Free, friendly, fun, fund, funds, future, General, goal, goals, good, great, hold, Hospitality, HR, ihg, improvement, improvements, Insurance, interest, inventory, items, job, Life, list, LOWER, Make, making, marriott, Media, money, More, new, offer, opportunity, or, Other, patterns, paycheck, place, products, Purchase, reach, ready, returns, Review, Reviews, reward, rewards, right, risk, save, Saving, saving strategies, savings, Savings Account, Savings Accounts, savings goal, Savings Goals, shopping, short, simple, single, social, southwest, southwest airlines, Spending, Strategies, Style, target, Technology, time, title, tracking, traditional, Travel, Twitter, updates, vacation, value

8 of the Most Expensive Federal Health Care Programs

March 22, 2023 by Brett Tams

The federal government spends about a third of its money on health programs and services. Here’s where the money goes.

Posted in: Moving Guide Tagged: 2, 2021, 2022, 2023, active, Administration, air, All, Benefits, building, Children, covid, COVID-19, COVID-19 pandemic, Credit, credits, ct, data, Emergency, Emergency Fund, expenses, expensive, Family, Financial Wize, FinancialWize, floor, food, foundation, fund, government, health, Health care, Health Insurance, Income, Insurance, Life, low, low-income, Make, man, Medicaid, Medical, medical expenses, Medicare, mental health, military, money, More, Most Expensive, offers, or, organization, Other, pandemic, patient, Personal, premium, president, pressure, programs, Purchase, Research, Revenue, room, social, Spending, stage, states, tax, tax credit, tax credits, time, veterans, veterans affairs, women, workers

How to begin investing: The steps to take and terms to know

March 22, 2023 by Brett Tams

Investing can be an effective part of your financial strategy. But before you start, make sure you’re ready.

The post How to begin investing: The steps to take and terms to know appeared first on Discover Bank – Banking Topics Blog.

Posted in: Real Estate News, Retirement Tagged: 2023, 401k, advisor, All, ask, assets, Automate, automation, average, Bank, bank account, Banking, basic, before, Benefits, big, bills, Blog, bonds, build, building, Buy, Buying, buying and selling, CD, CDs, clear, coffee, College, Compound Interest, cost, Debt, decades, decisions, discover, diversify, education, Emergency, Emergency Fund, emotional rollercoaster, Emotions, estate, ETFs, exchange traded funds, expenses, experience, Extra Money, FDIC, Fees, Finance, Financial Advisor, financial advisors, Financial Goals, financial journey, Financial Plan, Financial Planning, Financial Wize, FinancialWize, fixed, foundation, front, fund, funds, future, get started, goal, goals, gold, good, great, Grow, growth, health, Health care, High-yield Accounts, historical, hold, home, home renovation, home repairs, How To, Income, index, index fund, index funds, industry, Inflation, interest, interest rate, international, Invest, Investing, investment, investments, investors, IRA, journey, kids, Learn, Life, Long-term Saving, low, Make, making, man, market, markets, Medical, medical bills, money, More, Move, movies, mutual funds, needs, new, new home, offer, or, Other, outdoor, party, past performance, paycheck, Paying Down Debt, Personal, place, plan, Planning, plants, points, portfolio, price, Prices, productive, Promos, questions, rate, reach, ready, Real Estate, renovation, retirement, Retirement Planning, retirement savings, return, returns, risk, robo-advisors, roth, Roth IRA, safe, safety, save, Save Money, Saving, Saving for Retirement, Saving for Your Goals, savings, Savings Account, selling, shares, short, Side, Side Hustle, simple, Software, states, stock, stock market, stocks, tax, Tax Advantages, tax benefits, taxable, taxable income, taxes, Technology, The Stock Market, time, time horizon, traditional, traditional IRA, united, united states, value, volatility, Ways to Save, wealth, will, woman, women, work

The Secret of Financial Security: Consider Living Below Your Means

March 21, 2023 by Brett Tams

Many celebrities are happy living modestly despite the lavish lifestyle at their finger tips. If they can do it, so can you.
Posted in: Credit Cards Tagged: 2021, 2022, 2023, All, app, Apps, avalanche, average, balance, bedroom, Behavior, Benefits, bills, Borrow, Budget, Budgeting, buffett, build, Buying, car, choice, city, Clothes, coffee, couple, creativity, Credit, credit card, Credit Card Debt, credit cards, Credit Report, data, Dave Ramsey, Debt, Debts, dining, dining out, downsizing, eating out, Emergency, Emergency Fund, expense, expenses, expensive, experience, experts, Fees, Finance, finances, Financial Wize, FinancialWize, Free, free credit report, frugal, fund, future, groceries, Grow, guardian, gym, habit, happy retirement, healthy, Hollywood, home, house, Housing, Income, Inflation, interest, interest rate, interview, Invest, Investing, investment, job, kids, Life, Lifestyle, Live, Living, loan, Local, Luxury, Make, man, money, monthly budget, monthly expenses, More, more money, Move, Moving, needs, negotiate, new, new home, or, Other, Other Retirement Accounts, paycheck, paycheck to paycheck, payments, peace, penny, Personal, plan, priorities, programs, questions, rate, Rates, Rent, Research, restaurants, retirement, retirement accounts, save, Save Money, Saving, savings, second, security, shopping, sleep, smart, social, Spending, Spending Less, stage, story, Strategies, streaming, stress, Style, subscriptions, taxes, the balance, time, tips, tracking, Transportation, utilities, vacation, wants, warren, wealth, woman, workers, working, YNAB, young, Zero-Based Budgeting

7 Reasons Americans Seniors Stay Frugal in Retirement

March 21, 2023 by Brett Tams

Many folks do not abandon their penny-pinching ways after they stop working.
Posted in: Taxes Tagged: 2, 2021, 2022, All, assets, building, business, cost, couple, Crisis, data, decision, Emergency, Emergency Fund, estate, Estate Planning, Federal Reserve, financial well-being, Financial Wize, FinancialWize, fire, frugal, fund, gay, goal, good, great, guide, habits, health, heirs, How To, Income, Inflation, job, Learn, legacy, lessons, Life, Living, Make, man, Mistakes, money, monkey, More, new, new job, News, offers, ok, or, outdoors, panic, patio, paycheck, penny, plan, Planning, Prices, protect, reach, Research, retirees, retirement, right, rising prices, running, save, Saving, savings, security, Seniors, social, social security, Spending, spending habits, Spending Less, Style, survey, surveys, taxes, time, tips, will, woman, workers, working

Smart Money: Are CDs Worth It, and Managing a Life-Changing Windfall

March 20, 2023 by Brett Tams

In this episode of the podcast, the hosts discuss whether CDs are a good option and then talk with a listener about how to manage a financial windfall.

Posted in: Moving Guide, Personal Finance Tagged: 2, 2016, 2022, 2023, accountant, active, advisor, affordable, All, Amount Of Money, apartment, Appreciate, Apps, ask, assets, average, balance, Bank, Banking, beach, before, big, Blog, brokerage, bucket, build, building, business, Buy, buy a home, buy a house, buyers, Buying, buying a car, Buying a house, california, car, car prices, Career, CD, CDs, certificate of deposit, choice, Choices, company, cons, conversions, cost, couple, Credit, credit card, Credit Card Debt, credit score, credits, currency, data, Debt, Debts, decision, decisions, Deductible, deposit, depression, desk, diversification, dividends, divorce, down payment, driving, education, efficient, Emergency, Emergency Fund, Employment, energy, Entertainment, environment, equity, estate, event, EVs, existing, expensive, experts, Extra Money, Fall, Family, Federal Reserve, federal student loans, Finance, Financial Advisor, Financial Goals, Financial Wize, FinancialWize, financing, fixed, Foreclosures, Free, Fresh start, fun, fund, funny, future, General, get started, Giving, goal, goals, good, government, great, growth, Guaranteed Rate, habits, health, Health and Wellness, hold, home, Home Price, home prices, Home Values, Homebuilders, Homeowner, homeowners, house, Housing, Housing market, housing prices, How To, humor, improvement, Income, industry, Inflation, interest, interest rate, interest rates, Invest, Investing, investment, investments, investors, IRA, IRAs, job, lenders, Life, list, Live, Living, Liz Weston, loan, Loans, low, LOWER, Main, Make, making, man, manage, market, markets, memories, mental health, millennial, mistake, money, money goals, More, more money, Mortgage, Motivation, Move, Moving, moving in, moving out, National Association of Realtors, nerdwallet, new, offer, ok, opportunity, or, Other, out of state, pandemic, parents, park, paycheck, Paying Down Debt, payments, peace, percent, personal finance, photos, place, plan, Planning, podcast, pretty, price, Prices, priorities, private student loans, products, pros, Pros and Cons, questions, Raise, rate, Rates, ready, Real Estate, Realtors, Recession, Refinance, refinancing, Relationships, Rent, rental, Research, retirement, retirement account, retirement accounts, retirement savings, return, returns, Review, right, rise, risk, roth, Roth IRA, Roth IRAs, safe, Salary, san francisco, save, Saving, Saving for Retirement, savings, Savings Account, Savings Accounts, School, second, securities, security, Sell, selling, short, Side, Side Hustles, single, smart, Smart Money, space, Spending, stable, stage, Start Saving, statistics, stock, stock market, stocks, student, student debt, student loan, student loan debt, student loan payment, Student Loans, tax, tax brackets, tax credits, the balance, The Stock Market, the west, time, timing, tips, town, traditional, traditional IRA, under, used car, vacations, vehicles, versus, wealth, wellness, West Coast, will, windfalls, work

Optimism Reigns Amid Affordability Challenges

March 18, 2023 by Brett Tams

The shortage of entry-level homes and slow income growth could turn people off from homeownership, but the American dream of buying a home remains alive and well.

Posted in: Moving Guide Tagged: 2, 2017, 2020 election, 30-year, 30-year fixed rate, affordability, affordable, affordable homes, All, American Dream, analysis, assets, baby, baby boomers, before, big, Blog, boomers, Budget, builders, Bureau of Labor Statistics, Buy, buy a home, buyer, buyers, Buying, Buying a Home, calculator, chance, climate, cost, crash, Credit, credit cards, currency, data, Debt, Deciding to Buy a Home, down payment, Down payments, dream, Economy, Emergency, Emergency Fund, Employment, entry, equity, existing, expectations, Financial Wize, FinancialWize, first home, first-time buyers, first-time home buyer, fixed, fixed rate, Fixed rate mortgage, fund, future, Genworth, glasses, goal, goals, good, government, great, growth, home, home buyer, home buyers, home prices, home purchase, home repairs, Home Values, homebuilding, homebuying, homeowners, homeownership, homeownership rate, homes, household, household income, Housing, housing boom, Housing market, impact, Income, index, interest, investment, journey, landlords, Life, list, Live, loan, low, LOWER, maintenance, Make, market, markets, measure, median household income, millennial, millennials, money, More, Mortgage, mortgage payment, Mortgages, Move, National Association of Realtors, nerdwallet, new, or, Other, ownership, payments, percent, plan, Planning, plans, pretty, Prices, probability, Purchase, rate, reach, ready, Realtors, rebound, Recession, right, sales, save, savings, savings goal, second, Sell, shortage, states, statistics, stress, student, student loan, student loan debt, survey, surveys, time, united, united states, upgrade, value, will, young, young people, younger homeowners, Zillow

$25-an-Hour Is How Much a Year? (Plus Budgeting and Side Hustle Tips)

March 18, 2023 by Brett Tams

$25 per hour is $52000 a year. Find out how this is calculated and pick up budgeting tips and side hustle ideas.

The post $25-an-Hour Is How Much a Year? (Plus Budgeting and Side Hustle Tips) appeared first on Good Financial Cents®.

Posted in: Mortgage Tips Tagged: 2, 2021, 2022, 2023, 401k, 529, AAMS, Accredited Asset Management Specialist, actual, Advertising, advisor, airbnb, All, Amazon, analysis, ARMs, assumptions, author, Auto, average, Bank, bank account, bank statement, basic, before, bills, Blog, blue, book, Broker, Budget, Budgeting, budgeting tips, build, business, car, cents, child care, Clean, cleaning, cnbc, color, commission, cost, Cost of Living, create a budget, Credit, credit card, custom, customer service, data, Debt, decisions, deck, deductions, design, desk, disclosure, dividend, doordash, Downpayment, driveway, driving, earning, Emergency, Emergency Fund, employer, employer match, employer-sponsored retirement plan, Entertainment, entry, event, expense, expenses, experience, experts, Fall, Family, Featured, Finance, finances, Financial Advisor, Financial Freedom, Financial Planning, financial stability, Financial Wize, FinancialWize, fixed, Florida, food, Free, free time, freedom, freelance, Freelance writer, freelancers, fund, funds, future, gas, get started, goal, good, Google, Graphic, green, groceries, guests, health, Health care, hold, home, hourly, hours, house, Housing, How To, ideas, Illinois, impact, Income, Income Taxes, industry, instacart, Insurance, interest, interest rate, investment, investments, items, job, Job Search, jobs, Leaders, Learn, Lifestyle, Links, list, Live, Living, loan, Loans, Local, LOWER, Main, maintenance, Make, Make Money, making, manage, market, Marketing, md, Media, Medical, medical expenses, Medicare, Miscellaneous, money, More, more money, Mortgage, Movers, multiply, needs, negotiating, net income, Nevada, new, new job, new york, new york times, offer, offers, or, orange, organizing, Other, passive, passive income, Paying Down Debt, payments, Personal, personal finance, personal finances, Pet, photography, plan, planner, Planning, podcast, poverty, present, products, Purchase, quality, rate, reach, Rent, rental, Rentals, Research, retirement, retirement plan, Retirement Planning, retirement savings, Review, room, Salary, savings, science, search, SEC, security, Sell, selling, short, short-term rental, short-term rentals, Side, Side Hustle, Side Hustles, single, smart, social, social security, south dakota, Spending, state tax, state taxes, states, students, tax, tax deductions, tax time, taxes, Tennessee, texas, The Wall Street Journal, time, tips, title, Transportation, trust, Twitter, Uber, unique, utilities, vacation, variable, Video, virtual, virtual assistant, walking, wall, Wall Street, washington, wealth, wealth management, Websites, will, woman, work, workers, working, youtube

I’ve Got $420,000 in Savings: Is That Enough to Retire On?

March 17, 2023 by Brett Tams

One of the most common, and complicated, retirement questions has always been, “Will I have enough?” Here’s how to make sure.

Posted in: Mortgage News Tagged: 2023, advice, All, average, bequest, big, Big Picture, blueprint, building, business, Buy, buy a house, choice, College, commission, Debt, discover, Early retirement, Emergency, Emergency Fund, fiduciary, finances, Financial Plan, Financial Wize, FinancialWize, first job, foundation, Free, front, fund, future, goals, good, great, Grow, Happiness, house, How To, Inflation, Investing, investment, Investor, job, learned, Life, Make, making, market, millennials, money, More, needs, net worth, offers, or, plan, planner, Planning, present, products, questions, reach, retirement, retirement plan, retirement savings, right, sales, Saving, savings, second, security, selling, single, social, social security, Spending, stake, Start a Business, stock, stock market, survey, The Stock Market, time, trust, Vanguard, will, woman, workers, wrong

What to Do If Your Bank Fails – 4-Step Checklist

March 17, 2023 by Brett Tams

Do you know what to do if your bank fails? The sudden implosion of Silicon Valley Bank and Signature Bank has millions of once-complacent asking this question. The truth is, banks can and do fail, often without any prior outward signs of trouble. Hundreds of banks went out of business during the savings and loan
Posted in: House Architecture Tagged: 2, action, active, agreements, All, apple, assets, ATM, author, balance, balance sheet, Bank, bank of america, Banking, banks, basic, before, Benefits, big, bills, black, bonds, borrowers, brokerage, build, business, Buy, buyer, Buying, cash back, CDs, chance, chase, checklist, choice, citibank, cnbc, color, cost, Credit, credit cards, Crisis, currency, data, Debt, deposit, depression, Direct Deposit, doors, Emergency, Emergency Fund, employer, expensive, Family, Fashion, FDIC, FDIC insurance, Fees, Finance, financial crisis, Financial Wize, FinancialWize, Free, fund, funds, gap, good, government, great, health, history, hold, hours, household, HR, Insurance, interest, interest rates, international, Joe Biden, JPMorgan Chase, Leaders, Legal, liquidity, list, loan, Loans, Local, low, Make, Media, money, More, Move, Moving, new, News, or, Other, ownership, panic, paycheck, payments, place, plan, policies, president, President Joe Biden, pressure, pretty, products, Purchase, questions, Raise, Rates, reach, reminder, right, running, safe, Saving, saving strategies, savings, Savings Accounts, securities, security, Sell, selling, sheets, short, Silicon Valley, silicon valley bank, simple, single, social, social security, Special Assessments, spouse, Strategies, Style, taxable, the balance, time, title, traditional, Travel, trust, Twitter, u.s. bank, under, update, value, Venture Capital, Websites, wells fargo, will, withdrawal, work
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