Michele Rico

107 Flips | 4 Magazines | 3 Likes | 1 Following | 2 Followers | @MicheleRico2016 | Keep up with Michele Rico on Flipboard, a place to see the stories, photos, and updates that matter to you. Flipboard creates a personalized magazine full of everything, from world news to life’s great moments. Download Flipboard for free and search for “Michele Rico”

How A High-Earner Couple Got $100,000 Into Roth IRAs Via The Backdoor

If it’s tax season, it’s Roth season. High-income earners can’t open Roth IRAs directly; but there’s a backdoor way in. Since 2010 Congress has allowed Roth conversions for all taxpayers, regardless of income, so high-income earners can get Roths by first opening a traditional IRA that’s …

Retirement

50 things Millennials can do now so they can retire at 65

It seems like you’ll be punching a clock forever, right? Well, one day, you’ll likely stop spending 9 to 5 at a desk and will enjoy your golden years in retirement. But that’s assuming everything plays out nicely and you have enough money set aside to do so. Stressful, right?<p>Well, according to a …

Personal Finance

How to stop wasting time & start living your life

Adventurer Matt Prior shares some practical advice for our busy world.<p>We all have plates to spin and balls to juggle. And I'm not from the camp that …

What’s Wrong with Target Date Funds? | Investopedia

Target date or retirement date funds (TDF) are commonly used by 401(k) retirement accounts for participants who either don’t know how or don’t want …

Investing

Here's when you should — and shouldn't — hire a financial planner

But there are good financial planners out there if you know where to look, and in the right situations a financial planner can make your life easier, save you a lot of money, and help you reach your biggest personal goals sooner.<p>After all, no matter how much information is available online, your …

What Should Runners Look For in a Training Plan?

Training for endurance events takes an incredible amount of time and dedication. For most busy adults, the time commitment needed to train may seem …

Health Savings Account: Your Extra Retirement Funds | Investopedia

What if I told you there was a way to save $2.5 million tax-free forever? Interested?<p>By now you’ve probably heard about the health savings account …

5 Ways to Save More After Maxing Out Your 401(k) | Investopedia

If you think you will max out your 401(k) contributions (that's your voluntary pre-tax deferral of $18,000, or $24,000 if you are 50 or older by …

Retirement

Traditional or Roth account—two tips for choosing

Tax rates and how you manage money can help when figuring out which account may be right for you.<p><b>Key takeaways</b><p><b>✔ Choose between paying taxes now or in</b> …

Retirement

The Best Free Online Courses to Help With Your Finances

GIF<p>You don’t have to learn everything about money at once, but a course can teach you a lot of useful information at a reasonable pace. Especially if …

Best Discount Brokers: Fidelity vs. Vanguard

When you're ready to open a brokerage account, there are plenty of brokers to choose from. Fidelity and Vanguard may be better known for their mutual funds, but both offer brokerage services to help long-term investors buy stocks, options, and ETFs, too! Here's how their services compare on key …

Investing

17 ways you should invest your time in your 20s for long-term success

It was good advice when Benjamin Franklin said it, and it's good advice now, no matter your age.<p>But your 20s are a particularly crucial time in life. Many call these the "formative" years, and the habits you form now can carry you through the rest of your life.<p>So what's the best way to spend this …

42 Movies From 2016 That Are Already on Netflix

Netflix has a wide assortment of '80s and '90s movies, but it's getting better at stocking up on the latest hits, too. It already has a selection of last year's box office winners, including <b>The Jungle Book</b> and <b>Zootopia</b>, in addition to a number of film festival favorites that skipped the theaters and …

The Biggest Money Mistakes We Make—Decade by Decade

Our financial errors vary by age. Here’s a look at what we get wrong and how to do better.<p>Our relationship to money changes as we get older. So do the mistakes that we make with it.<p>Every new stage of life brings new financial strategies we need to follow. And at every stage we find new ways not to …

Retirement

These dirty chai energy balls are the most delicious way to beat the afternoon slump

<i>Each week we spotlight a healthy-delish recipe that’s truly genius (and easy to make) from someone who’s wowed us in the food world. We’re talking</i> …

9 things to do in your 20s to become a millionaire by 30

And it's never too early to start.<p>To help you reach the seven-figure mark by 30, we rounded up nine pieces of advice from people who became millionaires at a young age, as well as those who have studied hundreds of self-made millionaires.<p>We can't <i>guarantee</i> millionaire status, but doing these things …

19 Fascinating Crime Documentaries You Can Watch On Netflix Right Now

Prepare to be fascinated and disturbed in equal measure.

Crime

I’m 20. How do I go about investing for the first time?

<b>Our reader's question:</b> I'm 20 years old. How do I go about investing for the first time?<p><b>Globe Investor columnist John Heinzl's answer:</b> I had a lot of interests when I was 20. Investing certainly wasn't one of them. So kudos for getting started so early. But there's really no rush.<p>If you're in …

10 smart money moves to make that take 10 minutes

Whatever your financial goals — from building a nest egg to flying the coop for a dream vacation — you’re only 10 minutes away from being a step closer. Here are 10 quick ways to get your personal finances in order.<p><b>1. Bump up your 401(k) contribution</b><p>Contributing just 1% more of your paycheck toward …

Personal Finance

10 Cars That Look More Expensive Than They Are

High style, low prices.<p>It seems that the best-looking cars are also the most expensive, but there's a misconception that you need to spend big bucks to roll in the latest style. Whatever you're looking for in a car, there's an option for you that will catch approving glances without breaking the …

How to Start Investing in Real Estate in Your 20s

So you’re interested in real estate investing in your twenties? Do you think you’re too young? We’ve got good news for you. You’re not.<p>There are so …

Real Estate

Most of us misunderstand metabolism. Here are 9 facts to clear that up.

We talk about metabolism like it's something we can manipulate by gulping a pill, downing some green tea, or running faster. You've seen the articles headlined "Boost your metabolism" or "Try this high-metabolism diet to lose weight."<p>But this obscures many truths about this essential, yet still …

Fitness

3 Stocks That Could Double Your Money

There's no question that the stock market is the best way to predictably generate wealth over the long term. But finding the best stocks the market has to offer is easier said than done.<p>To that end, we asked three top Motley Fool investors to each pick a stock that they believe could double your …

Investing

How to Be More Assertive, According to Research

You don’t want to fight. You don’t want to be hassled. You don’t want to disappoint them. It’s easier to just nod and give them what they want.<p>But …

7 Ways to Make Extra Income Even With a Full-Time Job

Is your dwindling bank account impacting your health? The American Psychological Association (APA) released a survey showing that money stress impacts Americans' health nationwide. And, as it turns out, the wealthy are also stressed about money -- not just those in lower-income households.<p>You can …

The 30 best horror movies on Netflix

We’re months away from Halloween, but there’s never a bad time to spend a night in binge-watching the best horror movies Netflix has to offer. The …

Construction

11 things to do in your 20s to become a millionaire by 30

2/<p>David Ramos/Stringer/Getty Images<p>2. Develop multiple streams of income<p>One way to earn more is to increase your streams of income.<p>In author Thomas …

Self-improvement

Want to Make Money? Then Understand How Money Works! Here's Your Complete Guide.

A key to mastering anything is understanding the foundation or base of that concept so that you can build on it. As investors, our route goal is …

Real Estate

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