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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

How to profit from economic cycles

January 30, 2023 by Brett Tams

(Since April is Financial Literacy Month, a number of articles will be devoted to more educational topics. This is Part IV in a four-part series about how understanding economic cycles could inform your financial decisions. Part I is Understanding economic cycles: An introduction. Part II is Recognizing economic seasons: recovery and growth. Part III is The fall and winter seasons of the economic cycle.)

In the first three parts of this series, you saw how the economy moves in cycles of seven to 10 years, and how each cycle can be broken down into four phases which correspond closely to the seasons of nature. We also looked at some of the telltale signs of economic activity that can help us recognize where we are in the cycle.

You may be thinking, “That’s all interesting, but how can I apply that knowledge to my personal financial life?” Let’s start by decapitating the elephant in the room — market-timing. Market-timing is a fool’s game. However, most of the time market-timing refers to trying to find the high point in the market to sell high. It is true: Nobody is able to tell when a market has reached its peak.

Posted in: Investing, Mortgage Tips Tagged: 2, Acorns, action, advice, All, art, ask, assets, bargains, before, big, boats, book, Borrow, buffett, build, business, Buy, Buying, california, Career, Colorado, company, construction, couple, crash, data, Deals, Debt, Economics, Economy, Emotions, employer, entry, equity, estate, experience, Fall, finances, Financial Literacy, Financial Wize, FinancialWize, first home, formula, General, goal, goals, good, government, Grow, growth, history, hold, home, Home & Garden, home equity, home market, home prices, How To, impact, industry, Invest, Investing, investment, investments, investors, job, jump, Life, Live, low, Main, Make, market, mistake, money, More, more money, Move, Moving, networking, new, new job, offers, Online Savings Account, opportunity, Other, Personal, plan, Planning, Promotion, property, protect, Purchase, Raise, Real Estate, real estate investor, Recession, rental, rental property, retirement, retirement plan, rich, rising home prices, room, save, savings, Savings Account, second, Sell, selling, shopping, single, Spring, stock, stock market, stock market crash, Strategies, summer, tax, time, timing, title, trading, unique, value, vehicles, warren, wealth, will, winter, work, workers, working, wrong

Holiday debt diet: Pay down debt in 120 days or less

January 30, 2023 by Brett Tams

Here’s a 4-month plan to help you pay down your holiday debt.

The post Holiday debt diet: Pay down debt in 120 days or less appeared first on Discover Bank – Banking Topics Blog.

Posted in: Money Etiquette Tagged: 2016, All, apple, apple pay, ask, ATM, balance, Bank, Banking, before, bills, Blog, bonus, Budget, building, Buy, cash back, Cash Back Rewards, Checking Account, cleaning, Closet, Clothes, cost, Credit, credit card, credit cards, Debit Card, Debt, debt payment, decorating, deposit, diet, discover, earning, earnings, employer, Entertainment, existing, expense, expenses, expensive, Family, Financial Plan, financial resolutions, Financial Wize, FinancialWize, flowers, funds, get started, gift, gifts, gig, Giving, goal, good, grocery, habits, hacks, holiday, holiday spending, holiday travel, Holidays, home, household, How To, items, job, journey, Life, Life Hacks, Lifestyle, list, loan, Loans, Make, making, money, More, most popular, Motivation, Move, Moving, new, Original, Other, Pantry, party, Paying Down Debt, payments, paypal, percent, plan, Planning, Popular, Purchase, Quick Tips, ready, resolutions, rewards, rewards checking, Rewards Checking Account, right, save, Saving, savings, Savings Account, search, seasonal, selling, shopping, side gig, Spending, spending freeze, Spending Less, Spring, Start Saving, stock, stress, survey, time, timeline, Travel, venmo, 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

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

Growing Your Wealth: 4 Types of Investments that Aren’t Stocks

January 30, 2023 by Brett Tams

If investing in the stock market intimidates you, then don’t bother with it. There are quite a few other ways to make a decent return on your investment.

The post Growing Your Wealth: 4 Types of Investments that Aren’t Stocks appeared first on Bible Money Matters and was written by Greg Johnson. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

Posted in: Investing, Money Basics Tagged: 2, affordable, All, Alternatives, assets, author, before, bonus, Books, build, business, Buy, buy a house, CD, CDs, Choices, clear, color, cost, crash, Credit, data, Debts, deposit, desk, earn interest, earning, Economy, estate, exercise, Family, Finance, Financial Wize, FinancialWize, financing, good, great, habits, health, healthy, healthy eating, home, house, How To, Income, interest, Invest, Investing, investing in the stock market, investment, investments, investors, job, jobs, landlord, lending, Life, Lifestyle, Live, loan, Loans, low, LOWER, Make, Manage Money, market, mindset, mobile, money, Money Matters, More, more money, Multi-Family, offer, Opening an Account, opportunity, Other, payments, peer-to-peer lending, percent, Personal, Personal Development, pinterest, poor, Popular, portfolio, principal, property, Purchase, Raise, Real Estate, real estate investment, REITs, Rent, rental, rental properties, rental property, renters, renting, resume, return, rich, right, risk, running, savings, Savings Account, Savings Accounts, shares, spa, stock, stock market, stocks, The Stock Market, time, title, traditional, trusts, vacation, value, vehicles, wealth, will, work, workers

Growing Your Wealth: 4 Types of Investments that Aren’t Stocks

January 30, 2023 by Brett Tams

If investing in the stock market intimidates you, then don’t bother with it. There are quite a few other ways to make a decent return on your investment.

The post Growing Your Wealth: 4 Types of Investments that Aren’t Stocks appeared first on Bible Money Matters and was written by Greg Johnson. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

Posted in: Investing, Money Basics Tagged: 2, affordable, All, Alternatives, assets, author, before, bonus, Books, build, business, Buy, buy a house, CD, CDs, Choices, clear, color, cost, crash, Credit, data, Debts, deposit, desk, earn interest, earning, Economy, estate, exercise, Family, Finance, Financial Wize, FinancialWize, financing, good, great, habits, health, healthy, healthy eating, home, house, How To, Income, interest, Invest, Investing, investing in the stock market, investment, investments, investors, job, jobs, landlord, lending, Life, Lifestyle, Live, loan, Loans, low, LOWER, Make, Manage Money, market, mindset, mobile, money, Money Matters, More, more money, Multi-Family, offer, Opening an Account, opportunity, Other, payments, peer-to-peer lending, percent, Personal, Personal Development, pinterest, poor, Popular, portfolio, principal, property, Purchase, Raise, Real Estate, real estate investment, REITs, Rent, rental, rental properties, rental property, renters, renting, resume, return, rich, right, risk, running, savings, Savings Account, Savings Accounts, shares, spa, stock, stock market, stocks, The Stock Market, time, title, traditional, trusts, vacation, value, vehicles, wealth, will, work, workers

Real Estate or Index Funds – Which is the Better Way to Build Long-term Wealth?

January 30, 2023 by Brett Tams

Whether you choose real estate or index funds as your primary investment, each has an outstanding track record of building wealth. But is one better than the other, if maybe only by a little bit? This topic was inspired by this question from a reader: “My question: Real estate or long-term index fund investing? I […]

The post Real Estate or Index Funds – Which is the Better Way to Build Long-term Wealth? appeared first on Good Financial Cents®.

Posted in: Money Basics Tagged: 2, 2021, 2022, 429, AAMS, Accredited Asset Management Specialist, ad, advice, advisor, Alabama, All, Amount Of Money, apartment, Appreciate, Arizona, Arkansas, assets, author, Bank, basic, bear market, before, beginner, big, Blog, blue, bonds, book, brokerage, build, building, building wealth, business, Buy, buy a home, Buying, california, Capital Gains, capital gains tax, cents, chance, Clean, clear, color, Colorado, Commercial, commission, company, Compliance, Connecticut, cost, couple, crash, Crowdfunding, crypto, custom, data, decades, disclosure, diversification, diversify, dividend, Dividend Yield, dividends, down payment, employer, energy, entry, equity, estate, ETFs, eviction, expense, experience, Featured, Fees, Finance, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, financing, Florida, freedom, front, fund, funds, Georgia, good, Google, green, growth, growth stocks, guest, guest post, guide, hawaii, healthcare, history, hold, home, home inspection, idaho, Illinois, impact, Income, index, index fund, index funds, indiana, industry, Inflation, inspection, Insurance, interest, interest rates, Invest, Investing, investment, investment property, investments, investors, IRA, irs, lawsuit, Learn, learned, Legal, lessons, leverage, liquidity, list, lists, loan, Loans, louisiana, LOWER, Main, maine, Make, Make Money, making, market, markets, Maryland, Massachusetts, Michigan, mississippi, missouri, mistake, money, montana, More, Mortgage, Mortgages, multiple offers, nebraska, Nevada, new, new apartment, New Jersey, new york, News, north carolina, offer, offers, opportunity, Oregon, Original, Other, ownership, passive, Personal, personal finance, plan, planner, Planning, podcast, points, Popular, portfolio, pressure, property, property values, Purchase, Rates, Real Estate, Real Estate Investing, real estate investment, real estate investor, renovations, Rent, rental, rental market, rental property, Rentals, renters, Research, Residential, retirement, Retirement Planning, retirement plans, return, return on investment, returns, rich, right, risk, robinhood, Schwab, science, SEC, second, Sell, selling, shares, simple, single, South Carolina, south dakota, stock, stock market, stockbrokers, stocks, Style, tax, tax liability, tax rates, taxes, Technology, tenant, Tennessee, texas, The Stock Market, time, title, trading, trend, unique, Utah, value, Vanguard, Video, virginia, washington, Washington DC, wealth, wealth management, will, Wisconsin, work, wrong, youtube

Real Estate or Index Funds – Which is the Better Way to Build Long-term Wealth?

January 30, 2023 by Brett Tams

Whether you choose real estate or index funds as your primary investment, each has an outstanding track record of building wealth. But is one better than the other, if maybe only by a little bit? This topic was inspired by this question from a reader: “My question: Real estate or long-term index fund investing? I […]

The post Real Estate or Index Funds – Which is the Better Way to Build Long-term Wealth? appeared first on Good Financial Cents®.

Posted in: Money Basics Tagged: 2, 2021, 2022, 429, AAMS, Accredited Asset Management Specialist, ad, advice, advisor, Alabama, All, Amount Of Money, apartment, Appreciate, Arizona, Arkansas, assets, author, Bank, basic, bear market, before, beginner, big, Blog, blue, bonds, book, brokerage, build, building, building wealth, business, Buy, buy a home, Buying, california, Capital Gains, capital gains tax, cents, chance, Clean, clear, color, Colorado, Commercial, commission, company, Compliance, Connecticut, cost, couple, crash, Crowdfunding, crypto, custom, data, decades, disclosure, diversification, diversify, dividend, Dividend Yield, dividends, down payment, employer, energy, entry, equity, estate, ETFs, eviction, expense, experience, Featured, Fees, Finance, Financial Advisor, Financial Freedom, Financial Wize, FinancialWize, financing, Florida, freedom, front, fund, funds, Georgia, good, Google, green, growth, growth stocks, guest, guest post, guide, hawaii, healthcare, history, hold, home, home inspection, idaho, Illinois, impact, Income, index, index fund, index funds, indiana, industry, Inflation, inspection, Insurance, interest, interest rates, Invest, Investing, investment, investment property, investments, investors, IRA, irs, lawsuit, Learn, learned, Legal, lessons, leverage, liquidity, list, lists, loan, Loans, louisiana, LOWER, Main, maine, Make, Make Money, making, market, markets, Maryland, Massachusetts, Michigan, mississippi, missouri, mistake, money, montana, More, Mortgage, Mortgages, multiple offers, nebraska, Nevada, new, new apartment, New Jersey, new york, News, north carolina, offer, offers, opportunity, Oregon, Original, Other, ownership, passive, Personal, personal finance, plan, planner, Planning, podcast, points, Popular, portfolio, pressure, property, property values, Purchase, Rates, Real Estate, Real Estate Investing, real estate investment, real estate investor, renovations, Rent, rental, rental market, rental property, Rentals, renters, Research, Residential, retirement, Retirement Planning, retirement plans, return, return on investment, returns, rich, right, risk, robinhood, Schwab, science, SEC, second, Sell, selling, shares, simple, single, South Carolina, south dakota, stock, stock market, stockbrokers, stocks, Style, tax, tax liability, tax rates, taxes, Technology, tenant, Tennessee, texas, The Stock Market, time, title, trading, trend, unique, Utah, value, Vanguard, Video, virginia, washington, Washington DC, wealth, wealth management, will, Wisconsin, work, wrong, youtube

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
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