Today’s top story: Scoring a lower credit card interest rate. Also in the news: the one resolution to improve your finances, creating your own financial plan, and why you need a budget, even if you’re broke. How to Score a Lower Credit Card Interest Rate Time to negotiate. The 1 New Year’s Resolution To Improve […]
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Monday’s need-to-know money news
Today’s top story: How to simplify your finances in 2016. Also in the news: The questions credit carholders should be asking, what homeowners can expect in 2016, and how long different items stay on your credit report. Four Ways To Simplify Your Finances In 2016 Making your financial life a little easier. 5 Questions Every […]
Q&A: Best savings vehicle for a baby
Dear Liz: I recently gave birth to a little boy. I am wondering about the best savings vehicle that would offer flexibility for when family gives him money. I don’t want to tie it up in a 529 college savings plan in case he doesn’t want to go to college or has other needs. Answer: […]
Q&A: Authorized credit card users
Dear Liz: I have read that only the primary cardholder is responsible for the balance on a credit card, not the authorized user (such as a spouse). When that primary cardholder dies, there is no obligation for an authorized user to pay off the balance. Is this accurate? What would prevent someone whose primary cardholder […]
Q&A: Social Security spousal benefit
Dear Liz: I am 57 and my husband is 60. I will have a bigger Social Security benefit than he will. He plans to retire at 65 when he will take his own retirement benefit. I will file and suspend at my full retirement age (66 and 6 months), at which time he can file […]
Your post-holiday financial recovery plan
Holiday overindulgence can lead to throbbing heads, expanded waistlines — and piles of credit card bills. In my latest for MoneyWatch, some suggestions for getting back on track if you overdid it on the holiday spending. In my latest for Time, a look at what Baby Boomers should do with their finances as they approach […]