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On a budget
Each phase of life comes with its own set of financial circumstances, goals and necessities. The question is, how should we be spending, or saving, our income as we move through different stages?

Local Investing
Locally grown. Locally sourced. These days it is all about going local. But what about investing? Can a portfolio be locally sourced? Is it a good idea?

Crowdfunding as collateral
So you want to start a business, but don’t have the start-up money or the collateral to ask the bank for a loan? And you don’t want to ask friends or family? Do the next best thing — ask a stranger. 

Planning for your retirement
Is your retirement plan on track? How do you know? According to a survey by Employee Benefit Research Institute, 60 percent of Americans aren’t sure they’re on track to retire successfully. Unfortunately, many of them may be right.

Credit card hacking
Although credit card companies and financial institutions are becoming smarter about protecting people’s personal information online, credit card fraud and identity theft are still very real threats.
Millennials and managing money
While millennials have been labeled with negative stereotypes like materialistic and entitled, the reality is that crippling debt and lack of employment opportunities have significantly impacted this generation’s financial future.
Estate essentials
"Picture this. You’ve been invited to a meeting; when you get there you realize it’s the first meeting after your own death. You can’t say anything. You can only observe. What do you see? Is your family celebrating your life or are they sitting there helpless not knowing what to do or whom to trust." 
In the hot seat
If you’re an aspiring entrepreneur seeking money from angel investors, you’d better be prepared with a snappy pitch to get their attention.
The new normal
With the Great Recession becoming a distant bad memory, people are once again thinking about the future ­— including retirement planning. But the recent economic setbacks have left many wary of the market and the security of their retirement investments.
Fiscal fitness
When it comes to wealth management, there are several ways good intentions can go awry. Our panel of experts outlines five common mistakes and advises how to avoid them. Knowledge is power, and in this case, it’s profitable.

Creative Sisterhood
Growing up in Glendale with six siblings in a single-parent household, the Bendfeldt sisters learned to be resourceful at an early age. "We were forced to be MacGyvers," says Amy Bendfeldt Barnum. "If there was something we wanted, we had to get creative."
Hot jobs
Gaining employment in today’s marketplace depends on the ability to offer relevant skills, especially those considered "nonroutine analytical," says Dennis Winters, chief economist for the Wisconsin Department of Workforce Development.

Managing your wealth
Most of us have financial goals, whether it is to retire at a reasonable age, fund our children’s education, do some traveling or simply manage debt. While overall plans haven’t changed, people’s attitudes have gone through a period of adjustment — and that’s occurring across all age groups, local industry experts say.

Make sure your retirement savings last as long as you do 08-07-17
PITTSBURGH — Target date mutual funds have become the answer to a problem many retirement savers face in a world that has shifted the burden of managing retirement assets from corporations to workers who don’t always have the time or knowledge to be effective money managers.
Gail MarksJarvis: Why some employers are becoming more generous with retirement savings plans 08-07-17
In an effort to recruit employees in competitive fields and help motivate older workers to leave the workplace when they hit retirement age, companies are becoming more generous with their retirement savings plans.
What’s the score?: People getting credit scores may not understand them 07-31-17
WASHINGTON — Phoenix resident Elizabeth Medora didn’t know her credit score until a credit card company gave her a credit tracker a few years ago, and even then she didn’t think much about it.
Shopping online? Think twice before storing your card information, experts say 07-31-17
As millions of online shoppers can attest, it sure is convenient to let websites store credit and debit card numbers so the data can be "auto-filled " on the next visit.
Do all consumers really want to go cashless? Some businesses not so sure 07-31-17
PITTSBURGH — Cash is still king, but Visa Inc. is trying mightily to dethrone it. The electronic payments giant unveiled a campaign this month aimed at enticing small restaurant owners to stop accepting cash.
Why young people should plan early for retirement 07-24-17
The last thing many young people want to do with their paychecks is sacrifice part of them for a retirement account, even though tiny contributions made at an early age are all but guaranteed to multiply many times as the years go by.
Gail MarksJarvis: Savvy saving: 4 ways to snag the highest interest rates 07-24-17
At long last, banks are becoming a little more generous with savers. But the emphasis here is on "a little." If you have been looking around for higher interest rates, you’ll be able to find an appetizer now, but not a feast.
The safe haven of bonds made riskier by ETFs 07-24-17
Bonds have always appealed to conservative investors looking for a safe place to park money while receiving a steady and predictable return.
Late car payments drive rise in fixed-loan delinquencies 07-24-17
The prices of new and used cars keep rising every year, which means consumers are borrowing more to make the purchases — and the monthly payments for cars and car-related expenses are squeezing many households budgets to the maximum.
More investors looking beyond US borders, as other markets rise 07-17-17
PITTSBURGH — There really is no place like home and many investors tend to keep their investment strategies heavily weighted toward U.S. company stocks. Something that falls within their comfort zone feels like a safer bet.
Your credit score soon will get a buffer from medical-debt wrecks 07-17-17
For many consumers, an unexpected health care calamity can quickly burgeon into a financial calamity. 
FDIC lists 10 common frauds targeting consumers and ways to avoid falling for them 07-17-17
Scam artists have become increasingly sophisticated over the years, but remembering a few simple rules can be surprisingly effective at keeping your money safe.
Gail MarksJarvis: How to put your financial life back together after defaulting on student loans 07-10-17
If you’ve defaulted on your student loans and are hiding from calls from debt collectors, your future doesn’t have to remain bleak.
When boomerang kids move home, boomers’ health and wallets suffer 07-10-17
PHILADELPHIA — "Boomerang" kids returning home? Get ready for stress and dissatisfaction.
Real estate investment trusts offer investing alternative 07-03-17
PITTSBURGH — The average investor isn’t going to buy into a shopping mall or an apartment building. But investing in real estate can be a useful way to diversify a portfolio.
Before marriage, couple must sort through their financial priorities  07-03-17
SEATTLE — After deciding to get married in July, Suzie Kwon and Kevin Driscoll started thinking about combining their money, and their talk soon turned to shared dreams and obligations.
Investing app Acorns doesn’t want savings to be a ‘bummer,’ so just give it your spare change 07-03-17
LOS ANGELES — It’s a common refrain: If you want to save money for retirement or a down payment for a house, stop buying pricey coffee. Or there’s the more recent admonition: Lay off the avocado toast.
Gail MarksJarvis: Dogged by a bad credit score? Here’s why relief could be on the way 07-03-17
Consumers who are dogged by poor credit scores — and have trouble getting credit cards or loans as a result — will soon get some relief.
Cost of insulin is just one hurdle for seniors with diabetes 06-26-17
PITTSBURGH — Dolores Suvak retired from her job as a high school English teacher in the Woodland Hills School District in 2006 with a generous retirement package that included an additional 10 years of health coverage under her school employees’ plan.
Gail MarksJarvis: Paying off student loans? Avoid these four deadly college debt sins 06-26-17
If you’ve just finished college and are spooked by your student loans, you probably don’t have to be.
Assuming you haven’t already committed a big student loan borrowing mistake, like piling up loans without finishing college or borrowing extensively from private lenders rather than the federal government, there’s no rush to pay off your loans.
Gail MarksJarvis: Budgeting for retirement? Plan on spending an eye-popping amount on health care 06-19-17
A quick look at your retirement savings and estimated Social Security payments may convince you that you’re well-prepared to retire.
Recession split the millennial generation into haves and have-nots 06-12-17
MINNEAPOLIS — Heather Axtman was a senior in college in 2006 when she landed an internship at Thomson Reuters. By the time she graduated from the University of Minnesota, the company had offered her a full-time job. 
Gail MarksJarvis: Planning to work past retirement? Here’s why that idea could be a bust 06-12-17
Baby boomers with paltry 401(k)s and IRAs are vowing to work forever, or at least, past traditional retirement age. But a new report says a crowded labor market will limit their ability to amass the savings they need even if they do work long past 65.
Universal basic income would pay everyone to improve quality of life 06-12-17
SAN JOSE, Calif. — With an impending robot revolution expected to leave a trail of unemployment, some Silicon Valley tech leaders think they have a remedy to a future with fewer jobs: free money for all.
 























 

 

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