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Chapter 7 vs. Chapter 13 bankruptcy
In difficult economic and employment environment, more and more people are defaulting on repayment of their debt. If you are using your credit card to pay for your food and mortgage, this is a sign that you are in financial difficulty. If you have done everything to get back your financial health and nothing worked, filing for bankruptcy may be an option. The Chapter 7 of the Title 11 of the United... [Read more]
Two steps to improve your financial health
It is not too late to set some financial goals for 2012. We know it is hard to put few additional dollars away for your retirement. Find a way to cut your eating out budget and put the saving into a retirement vehicle such as 401(k) or 457 plans. Here are two things you can do to improve your financial health. Simplify your finances: Sign up for direct deposit. You can ask your employer to deduct... [Read more]
Debit Cards
Your debit card provides electronic access to your checking account with your financial institution. This is a great alternative to pay for your purchases rather than writing a check or to get cash from your checking account without going to the bank. There are several types of these cards available for your selection. An alternative to debit card is an ATM card. New Federal regulations related... [Read more]
How much to withdraw from your retirement fund?
Now that you work hard and saved for your retirement, here comes a big decision. How much you can withdraw every month from your 401(k) or 457 retirement plan? Conventional wisdom says that you can withdraw 3% to 5% from your fund. Some even suggest withdrawing 4% a year. But you need to consider several factors before you decide on an amount. Look at the total available amount in your retirement... [Read more]
