Personal Finance 87
The 15 best work from home jobs for retirees
Just because you’ve retired from your primary career doesn’t mean you’re finished working. In fact, some retirement advice is to keep working at least part time.
Whether you need the money to make ends meet or are just figuring out what to do in retirement, there are options, especially work you can do from your own home.
Click through to find out which jobs are perfect for retirees.
Check Out How You Can Reduce Your Monthly Payments
Current mortgage rates are holding low.
If you missed your chance to refinance your home last year, it may not be too late to secure a world-class mortgage rate. Dropping your rate by just 1.0% — from 5.25% to 4.25% — puts ten percent of your mortgage payment back into your pocket each month.
That means for every $1,000 you pay to your lender today, you could reduce your payment by $100. That’s $12,000 saved over the next 10 years — simply by doing a refinance. Additionally, there are still millions of homeowners eligible for a refinance — and you may be one of them.
Still unknown to many, this brilliant government program called the Home Affordable Refinance Plan (HARP) could benefit millions of Americans and reduce their monthly payments by as much as $4,264 each year.
Homeowners have even used HARP to eliminate up to 15 years of mortgage payments! You could bet the banks aren’t too thrilled about losing all that profit and might secretly hope homeowners don’t find out before time runs out.
So while the banks happily wait for this program to end, the government is doing absolutely nothing to extend the program and cut mortgage payments. The program is set to expire in 2018, but the good news though is that once you’re in, you’re in. If lowering your payments, paying off your mortgage faster, and even taking some cash out would help you, it’s vital you act now.
What Are Today’s Mortgage Rates?
Today’s mortgage rates are lower than they’ve been in months. There are refinance opportunities everywhere. Ignore “saving one percent” and your “break-even” — look at your potential savings instead.
Get today’s live mortgage rates now. Your social security number is not required to get started, and all quotes come with access to your live mortgage credit scores.
Check Your Mortgage Rates Now!
How Can You Check Your Monthly Savings?
All you have to do is to select your age below and answer a few questions on the next page.
50 Tips That Help You Save on Vacations in 2018
CRISSCROSSING THE GLOBE DOESN’T HAVE TO BE COST-PROHIBITIVE
Whether you’re a seasoned jet-setter or an aspiring globetrotter who’s resolved to travel more and pay less in the year ahead, chances are you can benefit from clever, creative and time-tested tips to trim vacation expenses. And why settle for a ho-hum trip when you can employ cost-saving strategies that make the vacation-planning process smoother and more affordable?
To help direct you to simple ways to secure the lowest airfares, hotel rates, vacation deals and attraction discounts with minimal hassle, we gathered insider secrets and intel from industry experts. Read on for essential cost-cutting hacks for 2018.
28 Tips to Make Money Without Doing Anything
Making money takes work, but work is too hard.
Luckily, there are some ways to make money with little to no effort. Thanks to apps, basic investment tools, and savvy shopping strategies, you can make get extra cash without doing much.
Though some of these methods do take some work up front, they can set you up to earn passive income for the long term.
Here are 28 ways to make money with minimum effort.
20 Worst Money Mistakes People Make in the Name of Love
While it’s true that love might not cost a thing, plenty of romances fall victim to money — or at least to money mistakes.
Money and relationships are inseparable, and if you mismanage the former, the latter hardly stands a chance. From secrecy and poor communication to conflicting priorities and plain old bad decisions, some of the best relationship advice helps two people avoid the pitfalls of money mistakes in romance.
Click through to find out if you and your partner are making common money mistakes, and discover how these mistakes can hurt your relationship.
Need to Borrow Money? Here Are Your Best and Worst Options
Are you coming up short financially and thinking about borrowing money? If so, you’re definitely not alone. Household debt hit $13 trillion as of the end of 2017’s third quarter, and credit card debt alone exceeded $1 trillion.
Reaching for a credit card is simple (if you already have one in your wallet), but it’s not always the best way to handle a budgetary shortfall. In fact, there are lots of options if you need to borrow money, some of which are much better than others.
5 Financial Moves to Make for a Better 2018
As we all eagerly await the start of 2018, many of us are resolving to do better financially. If your goal is to improve your financial outlook going forward, here are a few moves to make once the new year begins.
Here’s the Greatest Financial Goal for U.S.A in 2018
Almost a quarter of Americans (24%) consider saving for a vacation as their top financial goal for 2018. That response beat out “paying off credit card debt,” which was named by 23% of respondents to a survey of 1,150 U.S. consumers conducted by Credit Sesame.
25 Credit Card Mistakes You’re Probably Making
Here’s what to avoid
Credit cards are rather important items in our financial lives. About 70% of us have at least one credit card, according to Federal Reserve data, and with about 250 million adults in the U.S. recently, that amounts to more than 175 million card-carrying Americans.
It’s no surprise, then, that we’re likely to make mistakes regarding our credit card use now and then. Since such mistakes can be costly, here’s a look at a bunch of common ones. See which ones apply to you.