Invest smart and not harder with these 3 methods | personal financing

(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

Top 3 and 2 Worst Reasons to Claim Social Security at 62 | personal financing

(Christy Pepper) You can start receiving Social Security retirement benefits for the first time once you turn 62. However, this is classified as an early claim, because long before full retirement age When you become eligible for your standard benefits. It’s also a whopping eight years before 70, which is when you need to get … Read more

3 Things You Seriously Need To Know About Roth IRAs | Smart Change: Personal Finance

(Steven Walters) Using all the different retirement accounts available to you is one way to give yourself the best chance of being financially comfortable and living the life you envision in retirement. Most people are familiar with a 401(k) because it is offered as benefits by many employers, but IRAs are also a great tool … Read more

3 Things You Seriously Need To Know About Roth IRAs | personal financing

(Steven Walters) Using all the different retirement accounts available to you is one way to give yourself the best chance of being financially comfortable and living the life you envision in retirement. Most people are familiar with a 401(k) because it is offered as benefits by many employers, but IRAs are also a great tool … Read more

The ridiculous way you could end up losing Social Security | personal financing

(Morri Bachmann) Social Security is an important source of income for many seniors. And chances are, you’ll end up relying on the benefits you get once your time in the workforce is over. That’s why you might be motivated to get the highest possible monthly interest. And there are steps you can take to achieve … Read more

Americans Underestimate These Major Retirement Expenditures | Smart Change: Personal Finance

(Morri Bachmann) Many people retire on the assumption that their cost of living will magically decrease. It may happen to some extent. If you can make your home payments before retirement, you may not have a mortgage to deal with by the time your job in the workforce is over. Likewise, if you’re not commuting … Read more

Americans Underestimate These Major Retirement Expenditures | Smart Change: Personal Finance

(Morri Bachmann) Many people retire on the assumption that their cost of living will magically decrease. It may happen to some extent. If you can make your home payments before retirement, you may not have a mortgage to deal with by the time your job in the workforce is over. Likewise, if you’re not commuting … Read more

3 reasons why you need international stocks in your portfolio | personal financing

(Steven Walters) Investment is not and should not be limited to the United States. Their activity is limited to US companies only. As an investor, you want to give yourself the best chance of getting a good return on your investment, and you can push yourself towards that by looking outside the US Here are … Read more

Do you want a maximum Social Security benefit of $4,194? This is the salary you need | Smart Change: Personal Finance

(Selina Marangian) If you plan to rely mostly on Social Security in retirement, you may want to rethink your plan. The average monthly retirement benefit recently was just $1,666 — or about $20,000 year-over-year — and it probably isn’t the kind of income you imagined for yourself. (Note also that it is average, which means … Read more