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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 donít have the start-up money or the collateral to ask the bank for a loan? And you donít want to ask friends or family? Do the next best thing ó 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 arenít sure theyíre 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 peopleís 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 generationís financial future.
Estate essentials
"Picture this. Youíve been invited to a meeting; when you get there you realize itís the first meeting after your own death. You canít 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 youíre an aspiring entrepreneur seeking money from angel investors, youíd 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 ≠ó 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, itís 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 todayís 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 childrenís education, do some traveling or simply manage debt. While overall plans havenít changed, peopleís attitudes have gone through a period of adjustment ó and thatís occurring across all age groups, local industry experts say.

The Journey: Unretired at 65 and beyond 07-08-19
Older workers blasted through another milestone recently. The civilian labor force participation rate among people 65 and older stood at 20% in May, according to an analysis last month of Bureau of Labor Statistics data by advocacy group AARP.
Susan Tompor: I pay my bills on time. Why is my credit score falling? 07-08-19
Who would have imagined a day when a credit score could be as mystifying as an SAT or ACT score?
College bills coming due? Here are some smart tips before you pay 07-08-19
With the cost of college rising each year, we did the math to see if itís possible for students to pay their own way through school.
Your student loan servicers ó Navient, Nelnet and FedLoan ó pay big bucks to CEOs and lobbyists 07-08-19
Thereís big money in Americaís $1.5 trillion in student loans ó and a lot of it doesnít go just to students.
Susan Tompor: Donít do your boss any favors buying gift cards ó itís likely a scam 07-01-19
Weíve had the ďone ringĒ phone scam, the fake IRS phone calls, the scam that tricks you into thinking that your Social Security number has been connected to some car in Texas that was involved with running drugs across the border.
Payroll tax is one stateís bold solution to help seniors age at home 07-01-19
Nearly a decade after federal officials discarded a provision in the Affordable Care Act that would have provided Americans with long-term care insurance benefits, two states ó Washington and Hawaii ó are experimenting with taxpayer-funded plans to help older residents remain in their homes.
Vanguard Considering Private Equity for the very wealthy: report 07-01-19
Vanguard is again considering jumping into the private equity realm, an alternative investment generally considered only for the very wealthy.
Student loans were canceled? Great, but you are still on the hook for taxes. 07-01-19
Good news: If you have private student loans from the now-defunct ITT Technical schools, your loans have been canceled.
How millennials are changing corporate giving 07-01-19
Corporate generosity took center stage in May when Robert F. Smith, the founder, chairman and CEO of Vista Equity, announced his plan to pay off student loans for Morehouse Collegeís entire 2019 graduating class.
Taxed to the hilt, more northern homebuyers are migrating to Florida 07-01-19
Fed up with the high taxes and regulation back home in New York, retired officer Thomas Maloney and his wife, real estate agent Theresa Hart, are looking to offload a home in Long Island ó quickly.
The Journey: How to unload your debt burden 06-24-19
Americansí debt load has risen nearly 23% since 2013 ó despite record stock gains and low unemployment ó and that canít bode well for their future.
Susan Tompor: How a 25-year-old hairstylist drives a six-figure Mercedes 06-24-19
Alex Pardoe, 25, is what some might dub the anti-millennial. Except, heís not really. Much like others in their 20s or 30s, heís savvy about building a brand, marketing his talents and recognizing how to use Instagram and YouTube to turn a head and grab a headline.
How hackers used little-known credit-card feature to defraud woman, $1.99 at a time 06-24-19
Whoever stole Leslie Robisonís credit card number could have bought a new computer, a flat-screen TV, or an expensive trip overseas.
Susan Tompor: Exiting a timeshare could be another route to a rip-off, Better Business Bureau says 06-17-19
Getting smooth-talked into buying a timeshare after a free weekend stay at a resort condo is one thing. But consumers increasingly are being ripped off when they try to unload or get out of a vacation-related contract, as well.
The Journey: Millennials think too narrowly about benefits, especially retirement contributions 06-10-19
Asked to name their highest priority benefits for a new job, more than half of millennials in a new survey ranked health insurance highly. Just 36% included a company retirement plan match in their top three.
Susan Tompor: How to handle your money after youíre laid off 06-10-19
While the layoffs at Ford Motor Co. are the latest to grab headlines, the automaker isnít alone in trimming its payrolls. 
Navient is often accused of mistreating student borrowers. Now Navient is being stalked by an activist hedge fund. Could that make it worse? 06-10-19
Navient, the nationís third-largest student-loan servicer, has been ripped for its customer service and is fighting lawsuits from the U.S. government, schoolteachers, and multiple state attorneys general who say the Wilmington-based company has routinely mistreated customers.
When bills pile up, young people turn to strangers on Venmo 06-10-19
Indira Marquez Robles felt helpless. Just before her comparative politics class, the 19-year-old Oglethorpe University student learned that her stepfather had been arrested on suspicion of DUI and taken into Immigration and Customs Enforcement custody in Georgia.
Susan Tompor: How to pay off student loans without a billionaire bailout 06-03-19
Who wouldnít want to see their college loans paid off by a billionaire benefactor? Or even take part in a TV game show to pay off all that college debt?
Vanguard crushing the competition with largest fund inflows so far in 2019 06-03-19
Vanguardís inflows of new investor money are off to a strong start so far this year, with investors handing over $106 billion year to date through April ó more than four times any other Wall Street firm.
The Journey: After stock marketís decade-long run, is it time to reassess investment strategy? 05-27-19
Retirement account balances cruised to record levels in the decade since the Great Recessionís market bottom, which is great news if youíre seventysomething and less so if youíre younger.
Susan Tompor: Mistakes on your credit report could cost you thousands: How to fix them 05-27-19
The Equifax data breach came to light back in September 2017 ó and consumers are still fuming. Complaints about credit reporting, credit repair services and issues such as errors on individual consumer credit reports, made up 43% of all the complaints made to the Consumer Financial Protection Bureau, according to an analysis by the U.S. PIRG Education Fund.
Erin Arvedlund: US infrastructure plays may be rebuilt if Congress can pass new bill 05-27-19
Repairing Americaís infrastructure may be the one thing Congress can agree on. So letís look at different ways investors can take advantage of possible government-sponsored funding for infrastructure, whether through paving roads, building bridges, imposing tolls, dredging rivers, creating logistics, and even operating computer server farms.
Susan Tompor: Federal student loan interest rates about to get first cut in 3 years 05-20-19
High school grads on their way to college ó as well as returning college students ó just got a bit of a financial gift.
The Journey: Overconfidence leads to mistakes in retirement planning 05-13-19
Among 55-plus working households, four in 10 have saved at least a quarter-million dollars for retirement, according to a long-running retirement confidence survey.
Susan Tompor: ĎOne Ringí phone scam comes in middle of night, luring you into costly callback 05-13-19
And now the scammers are calling in the middle of the night ó repeatedly. A wave of whatís called the ďOne RingĒ phone scam has been waking up consumers at night and trying to prompt them into making a costly callback.
Susan Tompor: Elizabeth Warrenís plan for student loan forgiveness: Donít bank on it 05-06-19
Caution: If youíre someone who grabs money management tips after a quick read of a headline or two on Twitter, take note. Donít bank on getting a big break yet on your college debt.
Pop star of personal finance, Dave Ramsey uses gruff love to lead others out of debt 05-06-19
Ordinary financial advisers canít get Minnesotans to pay $19 to $149 to hear them speak. Most are lucky to attract people to a free meal at a local steakhouse.
In major shift, Vanguard says itíll allow active fund managers to vote independently 05-06-19
For decades, Vanguard Group appeared to exercise its voting rights, in companies where it holds shares, as a monolith.
The Journey: Facts to know about survivorís benefits 04-29-19
Choosing the best time to claim Social Security benefits can be tricky, mostly because we donít know precisely how long weíll live to collect.
Susan Tompor: Need to adjust your W-4? Hereís how to do it 04-29-19
Wait, donít just stuff a copy of your 1040 in your files now that April 15 is over. You may want to sit down right now and do a paycheck checkup.
 























 

 

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