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Securing Financing for the Purchase of your Car
Since a car is a depreciating asset (unlike a house, a car's value falls sharply every year), we don't recommend financing your car purchase, unless it's absolutely necessary. Of course, m… Read More »
Article in »Figuring out the Best Car Type for You
You may already have a good idea of what type of car you want. If not, this is the next step. Getting a great price on a car isn't so great if it's not the right car for you. Cars are broken d… Read More »
Article in »Tips for Test Driving a Car
Once you have a short list of cars in your price range that meet your required criteria, it's time for some test drives. Before you begin, promise yourself that you won't buy any car until you… Read More »
Article in »How to Negotiate with Car Dealerships
If you decided to utilize a car-buying service, or buy through an online network or no-haggle dealer, skip the next two paragraphs. If you're planning to buy from a dealer, read this whole section… Read More »
Article in »Places to Buy a Car Other than Dealers
In the past, car buyers had only two options: buy from a private seller (i.e. an individual) or buy from a traditional dealer (i.e. a professional salesperson). These are still both viable options, an… Read More »
Article in »Credit Fraud and How to Protect Yourself
Unfortunately, credit fraud is an increasingly serious problem, having grown almost threefold in frequency in the last five years. Under the most common scam, called "identity theft", the criminal ope… Read More »
Article in »Understanding Asset Allocation While Building a Portfolio
A portfolio is essentially the sum of all of your different investments. These investments will probably include stocks, which are investments in individual businesses; bonds, which are investments in… Read More »
Article in »Assessing Risk While Building a Portfolio
When dealing with investments, risk essentially refers to the chance that investments will decline in value. Obviously, this decline would result in a net loss, so risk can be considered the potential… Read More »
Article in »Diversifying Your Portfolio
The goal of diversification is to reduce the risk involved in building a portfolio. Volatility is limited by the fact that not all asset classes or industries or individual companies move up and down … Read More »
Article in »An Explanation of the Various Facets of a 401(k) Plan
A 401(k) plan is a qualified defined contribution retirement plan that is employee-funded and company-sponsored. In some cases, employers can opt to match the employees' contribution. As a defined… Read More »
Article in »Introduction to IRAs and Distribution Options
Individual Retirement Accounts are tax-deferred plans that a participant establishes with a bank, mutual fund, or brokerage; periodic contributions can be invested in different types of securities suc… Read More »
Article in »Taxation of IRA Contributions
The tax implications of IRAs can be broken down into the following categories: Taxing of deductible and non-deductible contributions Withdrawals are taxed if the origina… Read More »
Article in »Different Types of IRAs
There are several types of IRAs: Traditional IRA The term used to define the regular IRA to participants under age 70 1/2. Annual contributions have a limit of $3,000 mi… Read More »
Article in »Roth IRAs: Contributions, Withdrawals, Distributions etc.
The Roth IRA is a traditional IRA that has no tax-deductible contributions but provides other benefits. In certain cases, earnings are tax-free and withdrawals are tax and penalty free. The main advan… Read More »
Article in »An Overview of Retirement Planning
Everyone wants to have a comfortable and enjoyable retirement, but without adequate planning it probably won't happen. People are living longer than ever, which is obviously good news, but that me… Read More »
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