America Saves Blog
Tips, advice, and the latest news from the savings world.
By David Bakke
David Bakke writes about money topics like saving money, planning for retirement, smart shopping, and building wealth on the Money Crashers personal finance blog.
If your employer offers an individual 401k retirement plan, you should be contributing to it unless you fall into a very small exception category. The only time I would advise against participating in a company-sponsored 401k plan is if these contributions would interfere with your ability to pay monthly bills or get out of debt. Don’t invest in your future at the expense of your current situation. But if you can afford to make even a small contribution to the plan, go for it. Now that you're considering your personal retirement planning, let's address a crucial question: How much should you contribute to your 401k fund? Is 1% enough? Should it be 5%? Or 10%? Should the amount of your contribution depend on your age? Consider these five key factors.
ALL taxpayers receiving refunds can make an impulsive decision to save by splitting their refund in U.S. Savings Bonds using their tax form. With as little as $50, tax filers can save for themselves or in the name of a loved one in a safe, guaranteed, accessible, and competitive savings instrument.
This post is by Silicon Valley Blogger, who writes for The Digerati Life, a personal finance site that covers a wide range of topics in the areas of money management, finance and business.
From getting a mortgage to securing a good job, your credit score matters. You want to boost your credit score to qualify for low interest loans and topnotch jobs, so consider these tips to help you raise your credit score.
By Dave Clarke
Dave Clarke is the Communications Strategist at Churnless, a company that helps entrepreneurs. He originally wrote this article for EndangeredSavers.com. Follow Dave on Twitter: @thedaveclarke.