Social Security: This is the income you need to earn the maximum benefit | Smart Change: Personal Finance

(Katie Brockman) There are many factors that go into calculating the amount of Social Security benefits, but your income throughout your career is probably the most important. Your earnings will determine the amount of the basic benefit, or the amount you will receive if you apply for Social Security on full retirement age (FRA). The … Read more

Stay Invested During Ups And Downs To Reap Profits | Smart Change: Personal Finance

(Alexander Gutierrez) A friend texted me a couple of weeks ago after another week of declines in the US markets. Anxiety and fear of recession escalated, and he wanted to know how to deal with fluctuations. “What should I do?” I sent a text message. Soon we were talking about the importance stay invested (If … Read more

Social Security: This is the income you need to earn the maximum benefit | Smart Change: Personal Finance

(Katie Brockman) There are many factors that go into calculating the amount of Social Security benefits, but your income throughout your career is probably the most important. Your earnings will determine the amount of the basic benefit, or the amount you will receive if you apply for Social Security on full retirement age (FRA). The … Read more

Social Security: This is the income you need to earn the maximum benefit | Smart Change: Personal Finance

(Katie Brockman) There are many factors that go into calculating the amount of Social Security benefits, but your income throughout your career is probably the most important. Your earnings will determine the amount of the basic benefit, or the amount you will receive if you apply for Social Security on full retirement age (FRA). The … Read more

Invest smart and not harder with these 3 methods | Smart Change: Personal Finance

(Steven Walters) Investing doesn’t have to be difficult. In fact, it shouldn’t be difficult – it should be rewarding. Fortunately, there are things you can do to become a smarter investor that doesn’t require you to work any harder. Here are three methods you can use to invest smarter rather than too seriously. Image source: … Read more

Dealing with death? There is an app for that | personal financing

Liz Weston, CFP® Before the pandemic, entrepreneurs Liz Eddy and Alyssa Ruderman had trouble convincing venture capitalists to invest in their Lantern end-of-life planning app. Potential business partners were also skeptical. “We’ve been hearing, ‘Oh, this is really a niche issue,’ which I think is very funny,” says Eddy. “Death is literally the only thing … Read more

15/3 credit card hack is bullshit – here’s what to do instead | Smart Change: Personal Finance

Gregory Karp Sometimes an iota of truth about a financial topic can turn into something simply misleading. One such example is the 15/3 credit card payment scam – or hack You may have seen it on the internet and social media as a secret tactic to improve bad or mediocre credit. The 15/3 hack claims … Read more

Invest smart and not harder with these 3 methods | Smart Change: Personal Finance

(Steven Walters) Investing doesn’t have to be difficult. In fact, it shouldn’t be difficult – it should be rewarding. Fortunately, there are things you can do to become a smarter investor that doesn’t require you to work any harder. Here are three methods you can use to invest smarter rather than too seriously. Image source: … Read more

Consider this retirement account if you are just beginning your career| Smart Change: Personal Finance

(Steven Walters) When it comes to retirement accounts, your three primary options are a 401(k), a Roth IRA, and a Traditional IRA. The 401(k) plan is the most popular because it is offered through many employers, but ideally, it shouldn’t be your only retirement account. A 401(k) is fine because you contribute pre-tax money and … Read more