Want to Retire Early? You Need to Cut Expenses Now

It seems that many people under the age of 50 are planning for (or at least dreaming of) early retirement. Making that happen, though, requires a concerted effort. You’ll need to save an outsized percentage of your income, and invest it consistently. You’ll also have to cut your living expenses, and probably by a lot. […]


Banks vs. Credit Unions — Which Is The Best Option?

Credit union versus a bank–which is best for you? It’s a question that is not easily answered. While there are significant differences between the two, there are also a lot of similarities. Whether a credit union or bank is best depends upon what is most important to you. Choosing between a bank or credit union […]


How to Find the Best Mortgage Lender

There are more choices for mortgage lenders now than ever before. The brick-and-mortar banks are still there, of course, as are the mortgage brokers. Now, though, there are also online lenders and online mortgage aggregators, providing you with access to hundreds of lenders. Finding the best mortgage lender can be a challenge. It’s not possible […]


7 Reasons Never to Do a 100% Auto Loan

There’s something of a bubble taking place in the auto loan finance market. How I know this is happening: lenders and dealers are offering 100% auto loans. During the heyday of the mortgage bubble, the mortgage industry had the same product, but it was generally referred to as “zero down.” It’s virtually the same thing, […]


Review: Goldman Sachs is Not Just for the Wealthy Anymore

The Goldman Sachs Group was founded in 1869. It’s one of the world’s leading investment banks, offering banking, securities and investment management services to corporations, other financial institutions, governments and high net worth individuals. With the launch of Goldman Sachs Bank, or GS Bank for short, the bank is now looking to manage everybody’s money. […]


30 Items You Need to Budget for When You Buy a Home

When people are making the own-vs-rent analysis, they typically compare the monthly payment involved in owning a home—principal, interest, taxes, and insurance, or “PITI”—next to what it would cost to rent the same home. But what that analysis ignores is that it’s not all about monthly payment. In fact, it isn’t even about the income […]