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home : robinson living : finance June 28, 2016

Helping first-time home buyers get from 'I can't' to 'I can'
(BPT) - Finally! The economy is improving, interest rates are low and many consumers now find themselves in a great position financially to become a first-time homeowner. There's a small problem though for some locations around the country - the booming real estate market is resulting in rising hom... More >>


First-time homebuyers: You're closer to a down payment than you think
(BPT) - For many first-time buyers, saving for a down payment is the most difficult step in the home-buying process. However, it's a common misconception that you need 20 percent down to buy a home.Actually, lenders across the country offer mortgage products with very affordable down payments &mdas... More >>


Banking your way [Infographic]
(BPT) - A new survey reveals that consumers are more knowledgeable about digital banking than ever before, conducting everyday banking transactions online and with their mobile phones.... More >>


5 ways to earn extra money on the side
(BPT) - Whether you’re a college student, a stay-at-home parent or have a full-time job, there’s always room in the budget for a little extra cash. Maybe you’re saving for a particular goal or you’re simply looking for a little more spending money. Thanks to the internet, it... More >>


When is the best time to invest - or not?
(BPT) - The stock market has ridden a roller coaster this year. The Dow Jones Industrial Average (DJIA), a stock market index comprised mostly of "blue-chip stock" companies, swung down and then up by 2,000 points between Jan. 1 and mid-April.If you are investing for retirement or another reason, y... More >>


'Will' your estate plan be ready?
(BPT) - Recent celebrity deaths have shined a spotlight on the need for creating a will and other estate planning documents, but the need has always been there. You don't need celebrity-sized assets to be concerned that a lack of estate planning on your part could cost your beneficiaries dearly. An... More >>


The secret to maintaining and enjoying the beauty of your deck
(BPT) - In many parts of the U.S., warm, summer weather draws families and friends outdoors to enjoy the season while it lasts, making decks, gazebos or other outdoor areas of a house favorite spots for entertaining and relaxation. In fact, according to a recent survey by Sikkens ProLuxe Wood Finis... More >>


Am I insurable? 3 steps to take
(BPT) - Most people intuitively know the benefits of good health. Some work hard to maintain their health throughout their lifetime, and others not so much. Despite the best or worst intentions, health complications can occur at any time which may impact many areas of life, including finances.At so... More >>


4 things millennials need to know to protect their financial future
(BPT) - More than 100 million working Americans have no disability coverage other than Social Security Disability Insurance (SSDI). Millennials - now the largest part of the workforce - may be most at risk. Millennials are least likely to have disability coverage offered through their employers or ... More >>


Where there's a will - and more - there's peace of mind
(BPT) - What’s the state of your estate? Robert Fishbein, a vice president and corporate counsel in Prudential Financial's Tax Department, says now's a good time to find out.Changes in federal estate tax law have significantly increased the amount at which federal estate tax is triggered, say... More >>


Do you suffer from a longevity disconnect?
(BPT) - They say that age is just a number. For the 10,000 who reach retirement age every day, however, that number may come with a multitude of questions about whether they have done enough to prepare for retirement.The good news is that Americans today are living longer than previous generations.... More >>


Does insurance cover that? [Infographic]
(BPT) - Homeowners insurance covers the things that might happen. But what about the things that will happen?... More >>


Income, savings, retirement and debt calculations as easy as 5-10-15-20
(BPT) - To help people set basic, foundational goals that can help put them on their own unique path toward attaining financial security, Massachusetts Mutual Life Insurance Company (MassMutual) today announced the launch of a new mobile-friendly Spanish-language financial goal calculator on MassMu... More >>


Kill the 9-to-5 by turning your hobby into a thriving business
(BPT) - A beloved hobby can feel like a mini vacation from everyday life. Whether it’s gardening for relaxation, photography as a creative outlet or computer coding to exercise the brain, hobbies serve as an escape from stress and boredom.What if rather than a hobby being your escape, it was ... More >>


Trending real estate investment: Land ownership
(BPT) - Smart investors know a diversified portfolio is the best way to weather any storm. Considering the volatility of the current stock market, the desire for better options has never been greater. Rather than gamble on the next buzzworthy stock or bond and hope it lives up to expectations, ther... More >>


People are discovering a new way to boost their portfolio
(BPT) - As a volatile market sends ripples through the global economy, many investors are worried about how events overseas will impact their portfolio. In addition, concerns about political instability in much of the world have contributed to a heightened sense of worry and stress among investors.... More >>


How to get more bang for your charitable buck
(BPT) - Grants from individuals and families are the lifeblood of American charities. They accounted for 72 percent of the more than $350 billion in total giving in 2014, according to Giving USA. For their generosity, donors receive both tax benefits and the satisfaction of supporting causes that a... More >>


America's fun gap revealed [Infographic]
(BPT) - -... More >>


How to Know Your Accountant was Trained at Hogwarts
(BPT) - You know your taxes are due on April 15 (or April 18 this year thanks to Emancipation Day), and you know you will either owe money or get a nice check from Uncle Sam. But you also know it's never really that simple.Tax returns can get complicated, especially if you're self-employed, make ex... More >>


5 tips to avoid hidden credit card fees
(BPT) - Many consumers are trying to be wiser with their credit cards. They avoid splurging on gifts during the holiday season. They don’t apply for a store credit card every time they’re offered 10 percent off their purchase. Yet hidden charges and overlooked terms and conditions might... More >>


Taking a bite out of life insurance premiums
(BPT) - We are bombarded with messages about the importance of making healthy choices every single day. While the latest exercise and nutrition trends can be complex and often contradictory, we all know the basics: eat right, stay active. Still, it can be difficult to make healthy choices in the mo... More >>


3 ways your home value can help in retirement
(BPT) - Your retirement. Your golden years to spend doing the things you enjoy - hobbies, travel, more time with family, and so on. But can you afford to live your post-paycheck life the way you always hoped?Research from the National Retirement Risk Index estimates that more than 50 percent of hou... More >>


3 smart ways to use your tax refund
(BPT) - The average tax refund in 2015 was approximately $2,800 according to the IRS, and similar refunds are expected in 2016. For those getting a refund, there are many options to consider in deciding what to do with this unexpected income. The big question is what is the smartest option?Whi... More >>


Are you prepared if the IRS comes knocking?
(BPT) - There are few things in life more feared than a tax audit. Just the thought of being summoned to appear before the IRS and going through tax returns and old receipts is enough to throw most people into a panic.A 2016 survey conducted by Harris Poll on behalf of Hyatt Legal Plans, “Imp... More >>


Mythbusting the adjustable rate mortgage
(BPT) - In pop culture, myths can sometimes be mistaken for truth. Common ones, like, “don’t swim for a half hour after eating,” or “we only use 10 percent of our brain,” are false even though they’re widely taken for fact.The adjustable rate mortgage (ARM) earne... More >>


4 simple steps for alleviating financial stress
(BPT) - Working Americans aren't the only ones who should be worried about their financial well-being. Managers, HR pros and business owners should be just as concerned.Why? Financial stress is crippling workplace productivity and the corporate bottom line. Never mind the micromanaging boss, the di... More >>


More seniors finding peace of mind, lifelong care at continuing care communities
(BPT) - Are you worried you might one day outlive your retirement savings? Running out of money is a common concern, and the sad reality is it does happen to some people. The Administration on Aging predicts the number of Americans age 65 and older will reach 98 million in less than 50 years, so it... More >>


There's no free lunch and most workers don't want one anyway
(BPT) - You’ve probably heard the popular adage that “there’s no such thing as a free lunch,” underscoring the idea that it is impossible to get something for nothing. Yet most Americans wouldn’t want a free lunch anyway, recent research shows.Only one in five (18 perc... More >>



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