Deepti S

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How to buy a house without a 20% down payment

Here's how to figure out the amount of cash you need to buy a home, and what you can do to buy a home using as little money down as possible.<p>Contrary to popular belief, you don't need 20% down. The minimum down payment you need to buy a home is 3.5% down with an FHA loan on a 30-year fixed-rate …

Personal Finance

Retirement strategies with low risk, high returns

<i>I'm planning to retire soon and would like to invest my retirement savings in something that's secure and also generates high income. Where can I find safe high-yield investments in today's market? --Gary, Philadelphia</i><p>Sorry, but the phrase "safe high-yield investments" is an oxymoron, like jumbo …

Retirement

Money does make you happy – but not if it is tied up in bricks and mortar

Property prices may be a national obsession but new findings from UK’s national happiness index suggest that it is not the route to happiness – even if other types of wealth are<p>The property boom may have <b>made hundreds of thousands of people into millionaires on paper</b> – but it has not made them …

We'll all pay for the huge mistakes we're making in the UK housing market

On the face of it, rising house prices coupled with people being able to get a mortgage at low rates feels like a fantastic place to be. Especially after the pain of the 2008 market collapse.<p>But that's a myopic view, because any rise in interest rates will place a significant strain on homeowners' …

Housing

7 things to teach your kids in kindergarten if you want them to grow up to be rich

"At the end of the day, kids are not being taught the fundamentals in school. As much as we think or hope they are, it's not happening," says Gregg Murset, certified financial planner and founder of MyJobChart.com, a free tool that teaches kids about money.<p>That means parents are the ones that have …

Personal Finance

15 things you can stop wasting your money on

Not only are we surrounded by enticing <i>things</i> to buy, but they're at our fingertips with the swipe of a plastic card, leaving us with thinner wallets and a bunch of unnecessary stuff and services.<p>Here are 15 things you can stop wasting your money on today:<p><i>Mandi Woodruff contributed reporting to this</i> …

Personal Finance