Category Archives: Personal Finance

Arizona College Savings

Are you a prospective (or current) college student living on a limited budget in Maricopa County, and looking to save a significant amount of money?
Then you’ll want to read an Arizona Economics blog post written by Mesa Community College economics teacher Scott Gustafson, proposing a very simple idea to cut your college tuition by approximately [...]

America Saves Week

February 21-28 is designated as America Saves Week, a week where financial bloggers encourage people to take financial action through saving, debt reduction, and wealth building.
The personal savings rate has risen above 4% recently, but most Americans are still not saving adequately for retirement, and most lower-income households do not have adequate emergency savings for [...]

A Hard Look At Retirement Planning

It goes without saying that for many of us, much of the planning, the hard work, the saving and the sacrifice we endure during our young lives is focused towards the goal of achieving a more comfortable retirement. We work, we save, we invest – and then we hope for the best. I say “hope” [...]

Had The Talk With Your Kids Yet?

There’s nothing that makes both a parent and a child more uncomfortable than having that inevitable and unavoidable talk when they reach that certain age. But there’s also nothing more important than knowing if your kids are doing it regularly.
Investing doesn’t have to be an uncomfortable topic. It’s smart to start early and do it [...]

Roth IRA Conversion

I’m a big fan of the Roth IRA. I think it’s one of the best retirement savings tools available to the individual investor, and I always try to take advantage of it when I can. But, there were times when I couldn’t contribute.
Back in May of 2006 there was a pretty significant change to the [...]

Overcoming Inertia

It’s the holiday season, it’s cold outside, you’re tired, and you’re prepared to relax and spend some time with friends and family. But, this is also the time of year we need spend time to prepare ourselves financially.
As TIAA-CREF writes in their November 16th Market Monitor (pdf):

It’s hard to overcome inertia.
Circumstances change — [...]