• Mint.com Founder Aaron Patzer Explains Goals

    Updated: 2010-06-30 20:16:02
    Mint.com released Goals on Wednesday: a new feature that will revolutionize the way you use Mint by enabling you to not only review and manage your past financial behavior, but set future goals, track their progress and achieve them. To learn the story behind Goals and get some tips on how to use the new feature [...]

  • Ford Announces Plans To Reduce Debt by $4 Billion (NYSE: F)

    Updated: 2010-06-30 17:08:40
    In an effort to further strengthen its balance sheet, the Ford Motor Company, Inc. announced on Wednesday that they are paying off more than $4 billion in debt. This action is in addition to the $3 billion Ford paid off in April which brings the combined total of debt payments to $7 billion in [...]

  • Prosper Statistics: Over Half of Prosper Marketplace Loans are Used for Debt Consolidation

    Updated: 2010-06-30 16:41:08
    Prosper Marketplace one of the two largest peer-to-peer lending companies operating in the world, has released new statistics showing that 53% of all loans on Prosper’s peer-to-peer lending marketplace were used to consolidate debt during the second-half of 2009. Debt consolidation loans were by far the most popular reason that borrowers [...]

  • Nevada Homeowners Get Help From Bank of America (NYSE: BAC)

    Updated: 2010-06-30 15:58:41
    Consumers across the nation have been affected by the tough economic conditions in recent years. Homeowners are defaulting on mortgage loans in record numbers, with the state of Nevada being particularly hard hit according to Senator Harry Reid. As a result Senator Reid had a special meeting with Bank of America’s Chief Executive [...]

  • Score Life’s Goals with Mint

    Updated: 2010-06-30 15:14:14
    With the fever pitch of the World Cup in full swing, perhaps we can interest you in a different type of goal. Mint.com has always been good at looking back: tracking your spending and saving and chiding you for not sticking to your budget. Now, with the new Goals feature, you can look ahead. Whether you’re [...]

  • Lessons From a Stock Newsletter Scandal

    Updated: 2010-06-30 14:05:23
    I ran across another cautionary tale highlighting the world of paid stock newsletters, where people pay hundreds of dollars for "exclusive" stock picks. In this one, former professional baseball player Lenny Dykstra somehow become a highly-touted investment columnist in 2005 for TheStreet.com. Here's a video ...

  • AOL’s (NYSE: AOL) MapQuest Gets Upgraded

    Updated: 2010-06-30 04:44:25
    AOL’s (NYSE: AOL) MapQuest had been redesigned and includes a new batch of features to help pick up some popularity points among users. MapQuest used to be on top before Google took over with its mapping technology and it hopes to get back on the map again. MapQuest’s services provide users with mapping functions for travelers. [...]

  • Unemployment Benefits Extension Rejected by the House Tuesday

    Updated: 2010-06-30 03:51:59
    As the concern of the national debt increases, the House voted to reject a bill that would extend benefits for people who are unemployed for long periods of time. There is expected to be another vote, perhaps as early as Wednesday, by the house as Senate Majority Leader Harry Reid filed a motion to force another [...]

  • Facebook Made Error in Disabling ‘Boycott BP’ Page

    Updated: 2010-06-30 03:26:36
    Facebook is facing some criticism after it disabled a page set up calling for a boycott of BP Oil Company (NYSE:BP). The company’s officials say the page removal was an error stemming from a glitch in technology. The page has since been reinstated. The Boycott BP Facebook page was organized as a boycott around the world [...]

  • Is Google (NASDAQ: GOOG) Building Facebook Rival?

    Updated: 2010-06-30 03:06:54
    There has been rumblings that Google (NASDAQ: GOOG) is working on a project that is said to compete with Facebook. Industry watchers are taking notice and wonder what the success will be for a new social networking site. Google has been in the social media circle for some time. Their current sites include YouTube, Blogger, and [...]

  • Citigroup (NYSE: C) Second Company to be Halted By Circuit-Breaker

    Updated: 2010-06-30 02:04:19
    The two week old circuit breaker designed to prevent market panics on the stock market halted Citigroup (NYSE: C) in a five-minute pause in trading. The circuit-breaker was triggered by a 17% drop in Citigroup Inc stock today. The circuit breakers were created after the May 6th “Flash Crash” during which the Dow Jones Industrial [...]

  • JPMorgan Chase (NYSE: JPM) Offering Hiring Incentive to Small Business

    Updated: 2010-06-30 01:48:16
    JPMorgan Chase (NYSE: JPM) announced on Tuesday they will offer their small business customers a half of a percentage lower interest rate on lines of credit for every new person they hire up to three hires. The move is set to help create a stronger economy and more jobs. JPMorgan’s head of business banking spoke to [...]

  • Apple (NASDAQ:AAPL) iPhone Coming To Verizon in 2011

    Updated: 2010-06-30 01:15:37
    Apple’s (NASDAQ:AAPL) iPhone will start being sold by Verizon Wireless (NYSE: VZ), the largest mobile phone company in the United States as of January of next year. According to Businessweek.com, the deal has not been officially made public. Spokespeople for both Verizon and Apple declined to comment on the topic. This latest development will end the [...]

  • Why you should review your pension before it’s too late

    Updated: 2010-06-30 00:46:25
    Your pension is probably the most important asset you have, hopefully enabling you to enjoy your retirement in the comfort and security that you enjoyed during your working life. The way a pension works is simple, the contributions you make during your working lifetime along with any employer contributions are invested in one or more [...]

  • Evaluating a Company’s Health: Equity vs Debt

    Updated: 2010-06-29 22:57:43
    A well-managed company shows a trend of steady or falling debt over time, and not rising debt. Analysts are known to use an old favorite, the current ratio (comparing current assets to current liabilities) to judge how well a corporation is managing its cash flow. Over the long term, an analysis of total capitalization and tracking of the debt ratio reveals much more about corporate health.

  • Blippy.com: Are You What You Buy?

    Updated: 2010-06-29 21:59:49
    While flipping through old magazines at the Doc's office, I read about a site called Blippy.com in a Time article. It's yet another social media site, except this time you link up your credit card data so it can automatically share all your purchases with others (amount, store, ...

  • $8000 Homebuyer’s Tax Credit Not Extended

    Updated: 2010-06-29 15:24:35
    This is a tricky one. I got to take advantage of the $8000 tax credit for home buyers when it was first issued. Although I wasn't going to turn down the $8000 tax credit that the government gave me, I see that there are going to be some longer-term negative effects of a program like this.

  • The 5 Things you Need to Do After Bankruptcy

    Updated: 2010-06-29 11:14:34
    Once you’ve finally finished discharging your debts, which is what you’ve been focused on for a long time now, it can be hard to figure out what comes next. Making a list of the things you need to do after bankruptcy can help you keep it all straight. –The first thing you need to do is [...]

  • Best of Money Carnival #57

    Updated: 2010-06-29 11:00:24
    Come on in and check out the 10 best Personal Finance articles of the week... Best of Money Carnival style.

  • 10 Best Bad Credit Personal Loan

    Updated: 2010-06-29 08:11:24
    Do you need a loan and you have bad credit? Not much you can do when it come to borrowing, huh? Most banks will not loan you any money because of your awful credit. If you need a loan and you have bad credit you are going to have to look in some places that [...]

  • Loans for People That Are Unemployed and Craving for Funds

    Updated: 2010-06-29 00:44:48
    People who are out of job can take the help of Loans for people that are unemployed because these loans have been intended for those individuals who do not have stable source of income and need cash urgently. Loans for unemployed support such individuals in a completely hassle free manner. Unemployed Loans are always there [...]

  • Credit Cards And College Kids: It Doesn’t Have to be a Dangerous Mix

    Updated: 2010-06-28 21:58:34
    I had been a student at Georgetown University for only a few months when I got my first credit card. The card even had a picture of one of the campus’ most well-known buildings. Why not get a card that the university had seemingly given its stamp of approval to? And how could I resist the free T-shirt the card company gave me as a reward for applying?

  • How Early Can a Person Consider Retirement?

    Updated: 2010-06-28 11:13:32
    I hate when people respond to a question with a question, but my answer for how early can a person consider retirement? Is how much can a person save before hand? There is no straight forward answer to these questions because every situation is so unique. There are a number of factors that contribute to [...]

  • Quick Loans for Unemployed Students: A Feasible Fiscal Help

    Updated: 2010-06-28 00:43:17
    The student who is going for regular classes doesn’t have enough time to earn money to bear out his/her educational expenses. In this situation either he has to depend on his parents or ask monetary assistance from different economic sources. If you are also one of these students, stop getting apprehensive under these circumstances because [...]

  • How To Negotiate To Get A Great Deal

    Updated: 2010-06-27 15:37:15
    If you want to be a savvy shopper, you're going to need some basic negotiation skills in order to get a great price. It's not always easy to get the best deal, but if you play your cards right, there are great deals to be made! Let's explore some ways you can get discounts that keep your wallet nice and plump!

  • Debt free living – brilliance or stupidity

    Updated: 2010-06-27 11:12:25
    Too many people claiming to be financial experts are to be found everywhere advising people how to manage personal finances so they can pay off all debts and live debt free. One must pay off all debt, they scream. These financial self proclaimed philosophers hold on to the stake that debt of all kinds is [...]

  • IRA Advantages and Disadvantages

    Updated: 2010-06-27 00:42:05
    The IRA advantages and disadvantages really come down to one major factor, control over your account. There are other things to consider of course but it is the thing that sets these plans apart from other types of retirement accounts. An independent retirement account is set up, as the name suggests, independently. You find a company [...]

  • The Women’s Small Business Start-up Kit | Book Review

    Updated: 2010-06-26 16:38:00
    I reviewed the book, The Women's Small Business Start-Up Kit: A Step-by-Step Legal Guide, by Peri Pakroo, J.D., copyright 2010. The author is a wife, mother, and business communications consultant, specializing in legal and start-up issues for businesses and nonprofit organizations. She is the author of...

  • A Few Different Ways of Investing Money

    Updated: 2010-06-26 15:40:38
    If you have a few extra dollars lying around in your budget after you pay all your bills and do some basic saving, you may be wondering what to do next. You may even hear your friends or colleagues talking about investing, but you might not know where to start. I'm here to help. Now I'm not going to give you...

  • 3 big reasons to start saving your money

    Updated: 2010-06-26 11:11:16
    Most people understand the importance of long-term savings but still have trouble putting aside a significant amount each month. Sometimes all it takes is a certain amount of motivation and a specific goal in mind. Without these, you lose sight of what you’re trying to accomplish, and it can be very difficult to stay faithful [...]

  • Chase Freedom Promo: $100 Sign-Up Bonus + 5% Cash Back

    Updated: 2010-06-26 08:45:42
    The Chase Freedom Visa card has a new promotion offering a $100 check if you sign up and make $799 in purchases in your first three months. In addition, as a rewards credit card it is better than the plain vanilla 1% cashback cards, with its 5% cashback ...

  • Perkstreet Checking with 2%/5% Cashback Debit Card

    Updated: 2010-06-26 08:45:41
    Perkstreet Financial is relatively new, but they've already tried a bunch of different ways to make their online checking account attractive, from sign-up bonuses to coffee awards. However, I think they've stumbled onto something with their new cashback debit card rewards structure that beats out any other ...

  • The Dangers of Borrowing from Your 401k

    Updated: 2010-06-26 01:41:03
    While taking a loan from your retirement savings may be preferable to cashing out, the dangers of borrowing from your 401k are a serious threat to your retirement dreams. While they are actually a good deal, especially as loans go, the effect on your retirement savings can be devastating. Not every employer offers this as an [...]

  • Getting Done your Final Essay in Couple hours with OverNightEssay.com

    Updated: 2010-06-26 00:54:56
    Are you a student who is also working for a part time job to support your own life? It is a good thing to be independent, however, in some points; those students usually have problems when they face final terms and papers. They usually think of buying essays, because they do not have that much [...]

  • Top 8 Bankrupt Celebrities – Do you know them?

    Updated: 2010-06-25 11:34:42
    The economy has been tough on all of us and some of the rich and famous has fared no better than the rest of us. Do you know these celebrities that filed for bankruptcy over the years? Stan “the man” Lee Did you see Spider-man 1,2,3,4, The Fantastic Four, The Incredible Hulk or any of [...]

  • VEIEX Fund vs. VWO ETF Performance Comparison

    Updated: 2010-06-25 03:06:45
    The bottom line for converting to the ETF version of equivalent mutual funds: lower costs = greater returns = more money. To illustrate this, I ran over to Mornginstar.com and compared the 5-year returns for VEIEX and VWO, the mutual fund and ETF versions of the Vanguard Emerging ...

  • 7 Steps To Help Get Out Of Credit Card Debt

    Updated: 2010-06-24 16:06:48
    You have vowed over and over again to get that credit card debt out of your life, but here you are, still in debt, frustrated with your lack of progress and starting to lose hope. Don’t! Millions have been where you are and have conquered that debt. You can too!

  • Vanguard Mutual Fund to ETF Share Conversions

    Updated: 2010-06-24 11:05:39
    If you are invested in Vanguard mutual funds, you might have been confused by their recent announcement of free trades for Vanguard ETFs for in-house brokerage customers. One consequence of this is that it makes it more attractive for many folks to convert their existing mutual funds ...

  • Mortgage Advisors – Whose side are they on?

    Updated: 2010-06-22 10:30:41
    Nick and Judy Splitzgerald are 4 months behind on their house note and doing almost anything to keep their two-bedroom starter home they’ve been in for 16 years. It all started when they refinanced their home 5 years ago. In hindsight maybe they should not have trusted their mortgage advisor. Cautionary Tale Even though they wanted a [...]

  • 2 million personal finance site review

    Updated: 2010-06-22 08:00:00
    2 million personal finance site review The author of the site is a 34 yr old married and with kids. An IBM engineering manager who live in Raleigh, NC. He started this weblog to track his journey to financial freedom and would definitley share them to others. The site offers advertisements to promote [...]

  • Still Having Wages Garnished by Mann Bracken Debt Judgment? Here is What to Do

    Updated: 2010-06-21 20:42:00
    FMD Consumer Blog Consumer Help Consumer News Consumer Advocate Debt Collectors Consumer Rights Consumer Scams and Protection Consumer Watchdog Home Archive Search Contact Advertise Website Terms of Use Subscribe Still Having Wages Garnished by Mann Bracken Debt Judgment Here is What to Do Tags : Mann Bracken Debt Collectors Motion to Quash Wage Garnishments Motion to Vacate Debt Collection Debt Judgments Debt Lawsuits Categories : Consumers Debt Debt Collectors Posted by Allen on 6 21 2010 10:42 AM Comments 0 According to an attorney that is suing Mann Bracken on behalf of a consumer , Cory Zaidel has stated that consumers that are under a wage garnishment by Mann Bracken should file a motion to quash set aside the garnishment as the money being garnished may not be going to the creditor

  • Total Stock Returns = Fundamental + Speculative Returns

    Updated: 2010-06-21 14:23:35
    Another theory of predicting future stock market returns states that there are three main components to long-term stock market performance. Amongst many others, I learned this from authors and investors Jack Bogle and William Bernstein. Part 1: Dividend Yield If your stock distributes 2% in dividends each year, then ...

  • Skype World Cup Promo: Free Calls For a Month

    Updated: 2010-06-21 06:22:55
    Want to talk World Cup trash with your international friends and family? Skype is offering a free month of calls to landlines to countries with teams playing in the World Cup, including the USA. (Skype-to-skype is always free.) You have to sign up for a ...

  • Ohio 529 College Savings Plan Bonus Ends June 30th

    Updated: 2010-06-19 09:08:27
    This is just a reminder that the Ohio 529 College Savings Plan is still offering a $25 bonus if you are referred to open a new account and deposit at least $25 by June 30, 2010. You can apply for and fund the account all electronically, so you ...

  • Pro Se Consumer Gets Default Judgment Vacated Using “Stick It To Sue Happy Debt Collectors” Book

    Updated: 2010-06-18 19:22:00
    FMD Consumer Blog Consumer Help Consumer News Consumer Advocate Debt Collectors Consumer Rights Consumer Scams and Protection Consumer Watchdog Home Archive Search Contact Advertise Website Terms of Use Subscribe Pro Se Consumer Gets Default Judgment Vacated Using Stick It To Sue Happy Debt Collectors” Book Tags : Debt Collectors Debt Collection Beat Collection Lawsuits Beat Debt Collectors Vacate Default Judgments Consumers Pro Se Defendants Consumer Justice stick it to sue happy debt collectors Fight Debt Lawsuits . Credit Card Lawsuits Categories : Consumers Debt Debt Collectors Posted by Allen on 6 18 2010 9:22 AM Comments 1 I love reading success stories of consumers that have used my book Stick it to Sue Happy Debt Collectors to beat debt collection law firms that file lawsuits , but

  • Does Bad Credit Affect Student Loans?

    Updated: 2010-06-18 19:07:38
    Does Bad Credit Affect Student Loans? We all know that going to college is very expensive. So it comes as no surprise that very few people actually have the means to pay for college out of their own pockets. For the vast majority, financial aid will have to come into play in order [...]

  • US Housing Market Trend in Spring 2010

    Updated: 2010-06-18 12:58:33
    Normally spring is one of the better times for the housing industry, but spring 2010 is definitely a home seekers market. There are a couple of things this year that are affecting the market. Analysts are expecting more action in the next few months, so sellers should take advantage. Spring Is Usually a Busy Time [...]

  • Debt collector Midland Funding LLC to pay $330K settlement

    Updated: 2010-06-17 12:38:31
    “In a victory for consumer protection advocates, a major Maryland debt collector has agreed to drop 10,000 lawsuits against people who, in turn, alleged they were pursued illegally by the then-unlicensed company. Midland Funding LLC will also pay the class $200,000 and its lawyers $130,000. Judge Richard D. Bennett preliminarily approved the deal Monday afternoon.” ~ Source the Daily Record

  • Cuts and the Housing Market

    Updated: 2010-06-17 09:36:06
    Proposed government spending cuts, could reverse recent house price growth. Firstly, the rise in house prices has taken many by surprise it has been based on weak fundamentals with only a limited rise in demand. A knock to economic growth could push back overvalued house prices. The good news is that a recent forecast for UK growth [...]

  • Grantham/GMO 7-Year Asset Class Forecast

    Updated: 2010-06-17 09:13:12
    Jeremy Grantham is the head of GMO, an institutional asset management company that has more than $100 billion dollars under management. According to Wikipedia, he started one of the first index funds? He's built a reputation as a market genius, with stories of successfully avoiding the ...

  • myFICO Coupon Code: 20% to 30% Off

    Updated: 2010-06-17 09:13:11
    I am not a big fan having to purchase credit scores. I can understand why a lender would pay to get a calculation of your likelihood of defaulting on your loan, but if it's based on our data, why do we have to pay just to see it? ...

  • Portfolio Solutions 30-Year Stock/Bond Market Forecast

    Updated: 2010-06-17 01:12:23
    Every year, the low-fee investment advisor Portfolio Solutions, LLC founded by Rick Ferri provides a 30-year market forecast based on their analysis of several factors. In their own words: Each year, we analyzed the primary drivers of asset class long-term returns including risk as measured by implied volatility, expected ...

  • Schwab Reduces Expense Ratios on Selected ETFs

    Updated: 2010-06-16 09:11:11
    Discount stock broker Charles Schwab cut the fees on six of its proprietary exchange traded funds (ETFs) on Monday (official press release). Schwab U.S. Broad Market ETFTM from 0.08% to 0.06% Schwab U.S. Large-Cap Growth ...

  • Firstrade Brokerage Switches Clearing Firms, Offers Free Outgoing Account Transfers

    Updated: 2010-06-16 09:11:11
    I received a letter this week that discount stock broker Firstrade is changing clearing firms from Ridge Clearing to Penson Financial*. Not really a big deal, but hidden in the fine print is that existing users can perform an account transfer to another broker with no fee ...

  • Learn to tackle your debt problems in 6 simple ways

    Updated: 2010-06-15 12:02:57
    Looking for a solution to your debt problem? Did you know that debt is one of the biggest problems facing by most Americans today? Most of you who have bad credit or went through the bad credit phase know what it feels like and the difficulty one has to endure with debt problems and bad [...]

  • PineCone Paid Survey Links Open Again

    Updated: 2010-06-14 12:21:47
    Here is an updated application link at Pinecone Research, which is again accepting new members. (May expire at any time, so apply now if you're interested!) Looks open to all, but only one person per household can sign up. Thanks Rafa for the ...

  • Book Giveaway: Why are We So Clueless About the Stock Market?

    Updated: 2010-06-13 17:42:40
    This week’s book giveaway is for the book, Why Are We So Clueless about the Stock Market? Learn how to invest your money, how to pick stocks, and how to make money in the stock market. The purpose of this book is to help readers understand the basics of stock market investing. Material covered includes [...]

  • Debt Collector Hanna and Associates Wins Battle with Georgia, Ultimately loses the War

    Updated: 2010-06-12 15:02:00
    , FMD Consumer Blog Consumer Help Consumer News Consumer Advocate Debt Collectors Consumer Rights Consumer Scams and Protection Consumer Watchdog Home Archive Search Contact Advertise Website Terms of Use Subscribe Debt Collector Hanna and Associates Wins Battle with Georgia , Ultimately loses the War Tags : Debt Collection Debt Collectors Consumers Consumer Protection Georgia Office of Consumer Affairs GA OCA FTC Federal Trade Commission frederick j hanna Debt Collection Attorneys Consumer Rights State of Georgia STATE v . FREDERICK J . HANNA ASSOCIATES Joseph Segui Georgia Senate Georgia House of Representatives Beat Debt Collectors Categories : Consumers Debt Debt Collectors Posted by Allen on 6 12 2010 5:02 AM Comments 0 A recent State of Georgia Appeals Court ruling STATE v .

  • Fidelity Investments American Express - 2% Flat Cash Back

    Updated: 2010-06-11 13:31:45
    With Schwab out of the mix now, Fidelity Investments is the only brokerage offering 2% cash back on all purchases on their Fidelity Rewards American Express cards. There are three flavors, depending on if you want the money deposited into a Fidelity taxable account, an IRA, or ...

  • 4 Stash Your Cash Deals Most People Haven’t Heard Of

    Updated: 2010-06-11 13:31:45
    Here are four places to stash your cash that aren't advertised very heavily, so your co-workers probably haven't heard of them. They are all FDIC-insured, and offer higher yields than most of their direct competitors. Each one is best depending on your investment timeframe and deposit ...

  • 7 Benefits of Knowing True Value of your Home

    Updated: 2010-06-11 11:22:26
    Do you know the true value of your home? Buying a house is the biggest investment that most people ever make in their lifetime. But educating yourself and knowing the worth of your home is critical to you before becoming a successful homeowner. So before you pick up the phone to call an agent, you [...]

  • Calculating Our Personal Savings Rate

    Updated: 2010-06-09 16:22:26
    Do you know what your household's savings rate is? Most of us probably have a rough guess, but I wanted to use some more reliable data. Here's the definition again for my purposes: Current Spending There are plenty of ways of tracking your expenditures, as anyone who ...

  • New Credit Card Laws – Understanding the Basics

    Updated: 2010-06-08 09:12:51
    New credit card laws that will affect credit card users and credit card companies went into effect earlier this year. It seems like good news for credit card users. I am just saying this because the credit card companies are upset about the new laws. So, trust me they are hard at work this very [...]

  • Bank of America / Countrywide Will Pay $108 Million for Overcharging Struggling Homeowners; Loan Servicer Inflated Fees and Mishandled Loans

    Updated: 2010-06-07 18:59:26
    FMD Consumer Blog Consumer Help Consumer News Consumer Advocate Debt Collectors Consumer Rights Consumer Scams and Protection Consumer Watchdog Home Archive Search Contact Advertise Website Terms of Use Subscribe Bank of America Countrywide Will Pay 108 Million for Overcharging Struggling Homeowners Loan Servicer Inflated Fees and Mishandled Loans Tags : Bank of America Countrywide FTC Federal Trade Commission Mortgage Servicers Consumers Consumer Protection Categories : Consumers Debt Economy Posted by allen on 6 7 2010 8:59 AM Comments 0 Two Countrywide mortgage servicing companies will pay 108 million to settle Federal Trade Commission charges that they collected excessive fees from cash-strapped borrowers who were struggling to keep their homes . The 108 million represents one of the

  • UK House Prices Remain Overvalued

    Updated: 2010-06-07 10:11:50
    According to the Nationwide survey, UK house prices are just 10% below their 2007 peak. In May 2010, house prices are £169,162. The annual house price inflation is running at 9.8%. On face value this seems strange given that: Unemployment has risen to over 2.5 million (highest since 1994). Arguably this is much disguised unemployment too Serious credit [...]

  • Catch-Up Retirement Savings Options for Late Starters

    Updated: 2010-06-07 03:02:28
    If you have not saved enough money for retirement you have plenty of company.  I wrote a little while back noting that most Americans are unprepared for retirement.  Many people don’t get serious about starting their retirement savings until their in their late 40s or even their 50s.  Of course, it is better to start [...]

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