kordell williams

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Here's how to figure out how much home you can afford

According to self-made millionaire and financial adviser David Bach, buying a home is "an escalator to wealth."<p>Bach says the smartest investments he …

Personal Finance

9 TED talks that will make you better with money

TED is a non-profit organization that formed in 1984 with the goal of spreading ideas in areas of technology, entertainment, and design, and has slowly evolved to include everything from global issues to academic topics. Ideas are shared via short "talks" — speeches given by experts in their …

This is exactly how much you need to save each month to send two kids to college and retire on time

But barely anyone is doing it.<p>$632 every month.<p>That’s how much the average person in American needs to save to be able to send two kids to college …

Personal Finance

5 Changes to Retirement Savings for 2018

Some of the retirement savings rules will be updated.<p>2018 brings changes to several of the basic retirement savings rules and limitations. Several …

12 Knots Everyone Should Master

<i>Last Updated December, 2017: We’ve updated the formatting on this post for clarity. Links have also been updated.</i><p>Our Go-To: Water Knot<p><b>Climbing</b> …

Top resume templates: These 3 beautiful resumes will give you the best shot at getting a job in 2017

Perhaps you know what mistakes not to make on a resume, but what <i>should</i> you do to make your experience stand out from the rest? Are there key features …

Employment

Cramer's advice for investing in your 20s, 30s, 40s and beyond

Jim Cramer says that suitability, or the concept that certain stocks are right for some investors but wrong for others, can last investors a long …

Small business: How much is my business worth?

Get a basic look at how to put a value on your business here.<p>Owning a small business isn't like owning stock in a publicly traded company. With stocks, you can always calculate the market value of the entire business just by multiplying the market price of the stock by the number of outstanding …

5 Top Funds for Your 401(k)

It's difficult to recommend specific 401(k) funds, but here's a guide to help you pick the best funds available to you.<p>The problem with giving 401(k) …

3 Roth IRA Tips That Could Help Earn You Thousands

Here are three things you may not have considered when it comes to Roth IRA investing.<p>A Roth IRA can be an excellent way to save for retirement. You …

Career mistakes to avoid: Never use these 10 red flag phrases on a resume or cover letter

Describing yourself in a cover letter or resume as a "well-seasoned team player" who is an "exceptional communicator" and is "results driven" could …

Employment

How to write the perfect cover letter, according to experts

Cover letters might seem quaint in an era when you're almost always applying for jobs online — and the first reader of your application may be a …

The 13 dumbest things to do with your money in your 20s

Time is on your side when you're young, and a head start in saving and investing can result in massive financial gains down the road.<p>To get on track financially, start by avoiding these 13 common mistakes.<p><i>Original reporting by Kathleen Elkins.</i>

Graduating? Here’s What to Know About Your Student Loans

Whether the speaker at your college graduation is the Apple chief executive Tim Cook (M.I.T.) or the actress Eva Longoria (Knox College), the event signals the end of your undergraduate career — and moves you that much closer to having to repay your student loans.<p>Most federal student loans come …

Money Milestones: This is how your finances should look in your 40s

Danny Kofke, a 41-year-old middle-school teacher outside of Atlanta, often looks at a picture of a family trip to Disney World from a few years ago — …

Personal Finance

A 20-something who's banked $170,000 shares the simple strategy that helps him save 65% of his income

That's when he started his blog, the Money Wizard, to track the progress of his goal of retiring at age 37. Two years later and Sean lives in Minneapolis earning a salary of $80,000. His current net worth sits at $170,500.<p>Sean is able to save 65% of his take-home pay, which he puts into his main …

How this Isa millionaire beat Warren Buffett to earn a six-figure income for life (tax-free)

Amassing a multi-million pound investment portfolio is a great achievement.<p>Managing to build it up within Isas – where no further tax will fall due on capital gains or income – is an achievement of an altogether different magnitude.<p><i>Reader Service: Manage your investment portfolio the easy way with</i> …

17 New Gigs to Earn Side Income

New Sources to Earn Side Income<p>Updated June 08, 2018<p>Whether you’re looking for a new job or simply looking to supplement your existing one, a side …

How Much Do Accountants Charge for Tax Preparation?

Tax Preparation Prices and Fees<p>What's a Reasonable Price to Pay for Preparing Tax Returns?<p>Updated March 17, 2018<p>Tax professionals have a variety of …

Inside Peter Lynch's Secret Formulas for Valuing Stocks

Peter Lynch's Secret Formula for Valuing a Stock's Growth<p>The P/E Ratio, PEG Ratio, and Dividend-Adjusted PEG Ratio<p>Updated April 04, 2018<p>Arguably the …

Investing

How Big Should Your Mortgage Payment Be?

Just because a lender is willing to approve you for a mortgage doesn't mean you'll be able to comfortably make the payments. You're better off …

Ten favorite personal-finance books

Great advice for the financial stages of life.<p>March 11, 2017 —While great literature is said to transcend audiences, the best personal finance books …

Personal Finance

A financial planner explains how to start investing with $100

You see, if you save $100 in your sock drawer, 30 years from now when you go to check on it, you will still only have $100.<p>Conversely, if you invest $100 in a mutual fund, even if you never made another investment, with a 7% annual return it has the potential to grow to $761.23 after 30 years with …

iPhone’s high ‘failure rate’ gives Android the edge on reliability

iOS might be the “world’s most advanced mobile operating system,” according to Apple, but it isn’t the most reliable, according to a new study.<p>New data shows that iPhone’s “performance issues and high failure rates” over the last year make Android more stable. iPhone 6 and iPhone 6s are said to be …

How to drop into a lower tax bracket

Tax brackets determine how much income tax you pay on your highest tier of income. Here's how you can reduce your tax bill by sheltering some of your income from taxation.<p>Lowering your tax bill is always a joy. For most taxpayers, it's fairly easy to trim down your tax liability without breaking …

Renting out your home? 9 expenses you can write off

Home sharing through sites like Airbnb, VRBO and HomeAway are becoming more and more popular. My family jumped on the Airbnb hosting train recently, and we made a tidy little side income in January renting out our spare room. I won’t have to pay taxes on that income until next tax season, but I’m …

Personal Finance

The Home Office Tax Deduction: One of the Most Misunderstood (and Dangerous) Tax Breaks

The home office tax deduction offers huge tax savings to those 24% of employed people who now do some or all of their work at home. Yet of all the …

Most Americans Have No Savings But Loan The Government $200-300 Every Month

A recent Bankrate survey showed 66 million Americans have exactly zero dollars in savings to cover an emergency expense. This lack of savings is not confined to poor households, since a Federal Reserve study showed that 47 percent of all Americans would be unable to cover a surprise $400 expense. …

Claim This Deduction for Your Small Business to Avoid Leaving Money on the Table This Tax Season

One expert says there's a big way to save your business money, but some small-business owners refuse to take it.<p>It's that time of the year, and we wouldn't blame you if you tensed up knowing that tax season has arrived, because for some small business owners, it can be a daunting few months.<p>But the …

Small Business

6 Great National Parks for Fall Hiking

There's no better time of year to get outside.<p>Autumn is the perfect time to visit any of America's national parks, as crowds tend to be at a minimum, the weather is fantastic, and the change of season brings a wash of color to many of these iconic settings. If you're looking to explore a park this …