savings

Why Vanguard and Fidelity Money Market Funds Are a Money Losing Proposition. Go For A High Yield Savings Account Instead

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I recently got an email saying that my Vanguard prime money market fund’s expense ratio had increased from 0.16% to 0.17%. Not such a big deal because even with the higher expense ratio, Vanguard’s prime money market fund fees are still amongst the lowest in the industry. But what caught my attention when I went […]

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How Financial Planners Charge And Understanding Their Fee Structure

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A few weeks ago I began my search for a financial planner (or financial advisor as some prefer) to review my monetary situation and see if I am on the right track for a sound retirement.  I consider myself pretty savvy when it comes to personal finance, but I think it is always good to meet with an expert for a […]

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Switching to a Catastrophic Health Plan to Supplement Your Savings and Propel Your Investments

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Choosing the health plan that is best for you and your loved ones is a decision that deserves some undivided attention. While most Americans are used to having traditional health insurance coverage (with up front office visit and prescription benefits), many are turning to catastrophic-only health plans to open up their budget. For some people, […]

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Choices for Your 401(k) Retirement Plan When You Leave or Change Your Job Including an IRA Rollover

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For those who have money stashed away in an employer sponsored 401(k) retirement account, there are a number of options they can take with those funds when they move on from their current place of employment. However, before initiating any of these choices, it’s important to understand the pros and cons of each because what […]

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Saving for the Future: College Tuition vs. Retirement

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Despite the skyrocketing costs of a college education, a bachelor’s degree, at the very minimum, is an essential requirement to get ahead in this world. With few, notable exceptions, gone are the days when you could make a healthy, livable income right out of high school. But for parents, the increasingly unaffordable cost of a […]

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Three Investments That Profit From Inflation – CDs, TIPS and Commodities

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Everybody has heard the word but few really know what it means. Before we can figure out how to profit from inflation we have to understand how it works. When you inflate a balloon, it gets bigger. For those with an inflated ego, well, we all know what that means. Simply put inflation is a […]

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Choosing a High Interest Savings Account Over My Low Yield Money Market Account For My Short Term Cash-Emergency Savings

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I have been using my Vanguard money market account as a place to save part of my emergency (short-term) funds, and when checking it recently I saw that the rate had fallen to a miserly 0.13%! This was the lowest I had seen the rate since opening the account a few years ago, and with […]

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High Yield, Money Market Account Savings and Mortgage Rates Rising

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Rates on all things financial are heading up. This is good news for some and bad news for others. Savings rates on high interest savings and money market accounts are up after falling to multi-year lows. However on the flip side, new home buyers or those looking to refinance are seeing mortgage interest rates rise […]

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401K Basics – How These Retirement Plans Work to Your Benefit

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Here is a great article covering what a 401K is and why it is a great investment. It is a good refresher article! As more Americans shoulder the responsibility of funding their own retirement, many rely increasingly on their 401(k) retirement plans to provide the means to meet their investment goals. That’s because 401(k) plans […]

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