Why you want an emergency fund

Dear Liz: I regularly read about people in your column who don’t feel the need for an emergency fund, or think they only need a small one. This is one of the many issues that makes me glad that my husband takes care of the finances. We are both professionals with graduate degrees who, for […]

Continue reading...

Monday’s need-to-know money news

Zemanta Related Posts Thumbnail

Today’s top story: Savings experts reveal ways you save money. Also in the news: How to manage your debt as you get older, how to avoid medical identity theft, and what to do when you’re addicted to credit cards. Financial Expert Reveals Three ‘Super Savings Solutions’ Everyday ways you can save money. Too Old to […]

Continue reading...

Friday’s need-to-know money news

Zemanta Related Posts Thumbnail

Today’s top story: Security tips from a former identity thief. Also in the news: What to teach teen about debt, tax mistakes you don’t know you’re making, and tips on retiring early. 4 Security Tips From a Former Fraudster Advice on how to protect yourself from guys like him. 4 Things Your Teen Needs to […]

Continue reading...

Get free credit monitoring for a year

Target

Target’s offering free credit monitoring as penance for its recent massive database breaches. To get it, navigate to https://creditmonitoring.target.com and fill in your email address and name. Within a day or two, you should get an activation code that allows you to sign up for one-bureau monitoring at Experian. Now, Experian’s a for-profit company, so […]

Continue reading...

Thursday’s need-to-know money news

Zemanta Related Posts Thumbnail

Today’s top story: Five pieces of personal finance advice from those in the know. Also in the news: Renting with bad credit, how to raise cash in an emergency, and when to admit your finances are out of control. 5 Pieces of Personal Finance Advice From Successful People Listening to the experts. How to Rent […]

Continue reading...

Wednesday’s need-to-know money news

Zemanta Related Posts Thumbnail

Today’s top story: The key factors to getting the lowest mortgage rate. Also in the news: Personal finance trends for 2014, how to make teaching your kids about money fun, and what you can do to make good financial decisions all day long. The Most Important Factors to Getting the Lowest Mortgage Rate Your credit […]

Continue reading...

A new way to stop robocalls

angry kid screams into the telephone

I signed up for the federal do not call list when it opened in 2004, and for years our landline was blissfully free of telemarketing calls. That’s changed in the past few years as illegal operations, many based overseas, started flagrantly violating the law. A new free service may give us some peace. Nomorobo, which […]

Continue reading...

Tuesday’s need-to-know money news

Zemanta Related Posts Thumbnail

Today’s top story: Ten ways to fix the student loan crisis. Also in the news: Questions to ask before you retire, simple things you can do to boost your credit score, and the resolutions every indebted consumer should make. 10 Ways to Fix Student Loans in 2014 Actions Congress can take to help solve the […]

Continue reading...

No match? Save anyway

Dear Liz: Lately I have been reading a lot about how people aren’t saving enough for retirement. Every article I read talks about the need to put enough into employers’ 401(k) programs to get the maximum possible company match. What do you do when your employer doesn’t match your contribution? Answer: You contribute anyway, and […]

Continue reading...

Should she use 0% credit card offer to pay student loan debt?

Dear Liz: I currently owe $27,000 in student loans at an 11.5% interest rate. I have excellent credit and about $8,000 in savings and contribute 17% of my income to a workplace retirement plan. Should I invest less in my 401(k) and pay off debt instead? I just got a balance transfer offer for 0% […]

Continue reading...