Debt Management

Apple has $200 billion to play with — here's what it might do with all its overseas cash

• <b>Apple has around $250 billion in overseas cash.</b>• <b><br>The new tax law put in place at the end of last year gives the company incentives to transfer those holdings to the US.</b>• <b><br>Apple has said it owes $38 billion in taxes on that amount and suggested it plans to spend tens of billions of dollars more on</b> …

U.S. Politics

10 ways to chip away at your student loan debt

<b>Student loans are a hot topic these days, with everyone wondering the same thing: How are current college students or recent college graduates going</b> …

Business

How to Manage the Psychological Burden of Being in Debt

Humans have long debated the adage ‘Money can’t buy you happiness.’ Popular opinion suggests that, indeed, it cannot, but more recently researchers …

Creative Commons

Millennial earning $24,000 builds her TFSA and dreams of home ownership

<b>Name:</b> Kassandra Sahdal<b><br>Age:</b> 26<b><br>Annual income:</b> $24,000<b><br>Savings:</b> $2,000 in TFSAs<b><br>Debt:</b> $0<b><br>What she does:</b> Community youth program co-ordinator<b><br>Where she lives:</b> Toronto<p><b>Top financial concern:</b> <i>"I want to build up my savings and my credit. I want to get a BA in child and youth care, and then my masters. My goal</i> …

Money

The One Big Reason It's So Hard to Refinance Your Student Loans

A new report reveals the credit score you'll need.<p>Looking to refinance your student loans to get a better deal? Be prepared to pass what turns out to …

Family

Wait Till I Get My Money Right: The Budgetnista’s Anti-Broke Cure for 2018  

Tiffany Aliche, aka “The Budgetnista,” lives an all-cash life: Houses, cars, vacations—all paid for in cash. This preschool teacher-turned-women’s …

Money

10 Colleges That Pay You Back Big

When it comes to a college degree, the idea is to get in as little debt as possible, land a decent paying job and get on with your life. A debt-free degree is always desirable, although rarely accomplished these days.<p>But few consider the “return on investment” (ROI) that a college offers. Some …

Entrepreneurship

Should Charities Serve Their Own Interests at a Cost to the Common Good? The Case of American University as a Commercial Real Estate Developer

When a charity’s single-minded pursuit of funding for its core mission damages the broader common good, some in the larger community question the tax-exempt and tax-deductible privileges that allow it to profit at profound costs to others. And so they should.<p>Such currently is the case in our …

Real Estate

How to Use Personal Loans to Refinance Student Loans

The average recent college graduate has more than $37,000 in student loans, which, for most degree holders, can take years and years to repay. …

Personal Finance

This 30-Year-Old Couple Repaid $120,000 Of Student Loans In 3 Years

Ben and Danielle Marchio of Jacksonville, Florida repaid $120,000 of student loans in three years.<p>I interviewed Ben and Danielle to gain their insights on student loan repayment, their action plan, the sacrifices they made, and their viewpoints on money.<p>Ben graduated from Florida State College of …

Entrepreneurship

A Momentum Model With Fundamentals Behind It

Many investors use momentum factors to help in the buy/sell decisions for in their portfolios.<p>Combining momentum with other fundamental metrics is …

Stocks

Christian support for people in debt

CAP helps eliminate financial crisis in Highland Perthshire<p>Over four years, the Christians Against Poverty Highland Perthshire Debt Centre has been …

Financial Management Advice and Guidelines | 9 Ways to manage your debtor’s book for faster cash collection

Healthy cash flow can help your business grow from strength to strength, but there are money management drawbacks that you will need to navigate …

Business (South Africa)

Gen Xers Are Getting Walloped by Debt -- and Their Retirement Might Suffer for It

Americans in their late 30s and 40s are seeing their unhealthy debt levels go up. And if they don't break the cycle, they might never retire.<p>In case …

Retirement

Birmingham mayor talks debt-free tuition, crime in State of the Community address

Birmingham Mayor Randall Woodfin announced Monday that he plans to move forward with a proposal to provide city school graduates debit-free tuition …

Birmingham, AL

The True Cost of the Student Security Loan Forgiveness Bill

Should you sacrifice your retirement to pay off student debt?<p>There's a debt crisis in America right now, and it centers on the cost of education. …

Investing

A Smart New Resource For Female Entrepreneurs Building Their Brands

PHOENIX, AZ – 01-15-2018 (Press Release Jet) — Far too often there are lots of resources for the starting businesses and the well-established brands, …

My wife and I have a $1 million mortgage and $200,000 in cash — do we reduce our repayments or invest it?

<i>This is a recurring Q&A series of Marketwatch's Moneyologist, focusing on personal finance situations. The opinions are the author’s, as published by</i> …

Money

How to get out of debt (without gimmicks or games) ~ Get Rich Slowly

As part of back to basics month, let’s use today to explore how <i>you</i> can get out of debt without gimmicks or games.<p>After twelve years of reading and …

Money

Student loan nightmare: Some borrowers have to start over

Source: Nick Rizzutti<p>At the Johns Hopkins Bloomberg School of Public Health in Baltimore, Maryland, Nick Rizzutti spends his days researching how …

Consumer Financial Protection Bureau

Robert Powell: How to deal with debt in retirement

Americans are more likely to enter retirement in debt than ever before.<p>And that, according to researchers and financial planners, poses some concerns.<p>Why so? Well, in addition to decumulating wealth, aging Americans now need to manage and pay off heavy debt burdens in retirement, according to …

Money

A beautiful listed farmhouse with land, stables and a refeshingly realistic price

Downsizers now make up such a big chunk of the market that they're having a real impact, as Penny Churchill explains – meaning that beautiful country …

Real Estate

Don’t worry about the size of your student debt. Focus on this number instead.

You probably have some scary looking student loan balances if you’re an anesthesiologist: Doctors graduate with a lot of debt — about $183,000 on …

Nonprofits

I Was The Maid Of Honor In A Wedding And It Made Me Never Want To Get Married

My old college roommate asked me to be her maid of honor but we’d grown apart. I wasn’t a fan of big weddings in the first place and the seven months …

Weddings

America’s debt load is hitting record — and risky — territory

Not quite a decade after the worst economic crisis since the Great Depression, Americans are hooked on debt again, and economic experts worry that these ballooning bills could pop in our faces.<p>“The trouble is, when you carry a lot of credit card debt during good times, it means you’re less able to …

Business

My fiancé wants me to move into the home he shared with his ex-wife — and help with his mortgage

<b>Dear Moneyist,</b><p>I’m 35 years old and have been dating man 20 years older than me who is 55. Things were going good until we started having …

Business

America’s student debt crisis 'is worse than we thought'

• <b>A new Brookings Institution report projects substantially worst student loan defaults than previous estimates.</b>• <b><br>The report predicts as much as 40% of students could be in default by 2030.</b>• <b><br>There are $1.4 trillion in US student loans outstanding, making it the second biggest source of household debt</b> …

HBCUs

68% of Americans with debt doubt they will ever be debt-free

31 million people believe they will still owe on their credit cards when they die, according to a new survey.<p>For a large chunk of the American population, debt has become a fact of life. Like having to pay taxes, going to work, or even lying down to sleep at night, owing money has become the new …

Money

Minneapolis tops list of cities with best average credit score; Greenwood, Miss., at the bottom

Minnesota may be chilly, but residents of the state's most populous city can bask with the warm fuzzies knowing they outshine the rest of the nation when it comes to managing their credit.<p>Minneapolis residents, on average, are tops in managing their credit scores, according to Experian's latest …

Money

In Defense of the Working Mom Who Sacrificed It All, and the One Who Didn’t

As a kid, I never felt like I was the most important thing in my mom’s life, but rather, I was just a part of it.<p>As the breadwinner for our family, …

Parenting