Personal Finance

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Should Your Family Rent or Buy a Home?

If you’ve made enough money to start building a family and you’ve got a good college savings fund going, you’ve probably considered the question: Should you rent an apartment or buy a home?
Each has its advantages and disadvantages, and the answer might come down to personal preference. Let’s take a look and some of the pros and cons of each:
Why Rent?

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Comparing the New York City MTA Rate Hike to National Fares

New York’s commuters have been following the headlines closely as the MTA, the city’s public transportation agency, takes steps toward raising the price of unlimited monthly subway and bus passes by nearly 17% to $104 per month.
Although using public transportation in New York remains more affordable than hailing a cab multiple times a day or shelling out the money for car insurance, gasoline and a parking spot, the rate hike has New Yorkers complaining.

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5 Reasons Why You’re (Probably) Not as Generous as You Should Be!

I’m constantly struck by how many times the Bible mentions  helping the poor and needy!
What kills me is that I read that and think to myself, why is it that I’m not as concerned as I should be when it comes to helping the poor, weak and marginalized members of society?
If God has such a huge heart for them and cares deeply for their needs, what is it about me that needs to change?

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How Financial Reform Could Affect Your 401(k)

The recently passed Dodd-Frank Wall Street Reform and Consumer Protection Act focused much of its energy on reforming the activity of big banks and Wall Street. At the same time, the act also included measures that could affect your retirement funds.
Regulators will spend 15 months deciding how to categorize funds included in many 401(k) plans. Depending on what they decide, your retirement funds could face negative consequences.

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4 Options for Higher CD Interest Rates

When it comes to earning interest from cash products, Certificate of Deposits or CDs, are often considered a good choice. However, most CD interest rates are not offering terribly high yields right now.
It’s just the nature of any cash product.
You exchange safety for the potential for higher yields. It is possible, though, to boost your CD interest rates.
There are some high yield CD options that can help you get a little more bang for your buck, let’s take a look at a few of them:

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3

Beware the Rules of Thumb

The other day, I was explaining the Rule of 72 to my lovely wife. It’s a simple little mathematical trick that almost epitomizes the advantages and disadvantages of rules of thumb. If you want to know how long it takes to double a sum of money, divide 72 by its interest rate.

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Lower Credit Limit, Lower Credit Score

Your credit history could be sparkling clean, but that doesn’t mean your credit score is completely safe.

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How to Save Money on Amazon.com

Amazon is already a great place to shop that can save you a ton of money, but there are even more ways to save. Like any store, Amazon often runs promotions, sales, and specials that can provide even bigger savings, but you have to know how to find them. Some offers are predictable while others are more or less random, but if you know where and when to look you can save big. Here’s how to save even more when shopping on Amazon.

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8 Purchases You Shouldn’t Skimp On

The ever-growing popularity of buying ‘vintage,’ a.k.a used, items is fueled by the convenience of bargain websites such as eBay.com. The rough economy is causing people to cut spending in any way possible. Certain things should not be purchased used, and smart spenders deserve to indulge in their savings every now and then.
Check out these eight items you should pay full price for:
1. Mattress

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How Much Does it Cost to Own a Dog?

You may have waited your entire life for the opportunity to purchase a pup. Now that you are making your own decisions it may feel like the time is right.
Adding a furry friend to your household can be a big financial decision. It is important you prepare your budget for a dog — impulsively buying a puppy can put you in a bad position down the road.
First Year Costs of Owning A Dog

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