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PersonalHub

Your one-stop resource for everything related to your financial well-being. 

 

Recent Posts

Should You Borrow from Your 401(k)?

Sometimes, when you need money, you don't always have a lot of great options, especially when you want to avoid paying an arm and a leg in interest. One option to quickly gather funds may be to take a loan from your 401(k) account. Let's be clear that this should not even be a consideration for those times you simply want some expensive new electronic or other unnecessary purchase. However, sometimes we have real needs for cash that may justify taking a hit to our retirement savings:

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IRA Options for High-Income Earners

 

The more money we make, the more complicated our lives can become. While most people will not express much heartfelt sympathy for high earners, a high paycheck does indeed come with challenges when it comes to taking advantage of tax deductions. For example, the federal government allows tax breaks on retirement savings and a number of other financial vehicles up to certain income levels. Individuals earning incomes above those levels may have to look for alternate retirement investment vehicles to build their nest egg.

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6 Smart Ways to Use Your Holiday Bonus

While there are unfortunately few "nice problems to have" in life, here's one: you need to decide what to do with unexpected or bonus cash. We all would love to have this problem more often! If you're receiving a year-end or holiday bonus, first, take a little time to enjoy the feeling. Second, let's talk about smart ways to use the extra money.

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Benefits of Participating in Employer-Sponsored 529 Plans

With the cost of college tuition continually increasing at a rate greater than inflation, most parents could use some help saving for children's future college expenses. If your employer offers a 529 college savings plan, be sure to take advantage of this savings opportunity. 

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7 Ways to Give Your Finances a Fresh Start this Spring

Spring is a great time to take stock of what you have, decide what you really need, and make steps to start fresh at home. Why not give the same attention to your finances? Here are seven ways to give your finances a fresh start this spring.

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6 SAVVY Ways to Get a Financial Return on Your Tax Refund

In 2014, the average U.S. tax refund was $3,034. What's the best use for your refund money? Before running out the door to purchase that new flat screen or MacBook Pro, take a moment to contemplate these six ideas to make your mini-windfall grow rather than shrink!

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