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Getting Cash From Your 401(k) - To Borrow Retirement Money for Low Interest, Investment, Basic NeedsMost financial experts believe taking money out of your 401(k) should be thought of as a last resort effort when you are desperate for cash. One reason why taking cash out of your 401(k) is frowned upon is that many people don’t have enough saved for retirement in the first place, so when they take that Continue reading Getting Cash From Your 401(k) – To Borrow Retirement Money for Low Interest, Investment, Basic Needs If you need cash, converting the equity in your home to cash can be an inexpensive option. Most homeowners can do this in one of two ways: either by taking out a home-equity loan, sometimes known as a second mortgage, or by setting up a line of credit. In most cases homeowners can write off the interest Continue reading Debt: Using Your Home to Borrow Money to Get Cash Is it a “new normal” or simply a reflection of better growth and earnings prospects? Regardless, emerging-market stocks are trading at the highest valuations relative to advanced-country shares in more than two years as faster economic growth. The MSCI Emerging Markets Index is valued at 14.1 times reported profits and 1.9 times net assets, compared with Continue reading Emerging Markets are Hot – Low Debt and High Growth Prospects As concerns about deflation grow, where should you go with your investment dollars? Deflation is a sustained period of falling prices. Some analysts recommend that investors buy bonds, which can do better during deflation. The problem with bonds right now is that the interest rates are extremely low. There’s so little downside to rates, and if rates climb Continue reading If Deflation Comes Where Should Your Investment Dollars Go? Gold, Bonds, Cash, Stocks? A lot of people have been using their 401(k) plan as a source of cash. When Fidelity asked some of them why they were tapping into money earmarked for retirement. They responded that the money was needed to keep their home, to pay for college or to purchase a home. If you’re considering a withdrawal from Continue reading How to Get Cash Out of Your 401(k) or IRA Without Paying a Penalty Looking at investing oversees makes sense for a number of reasons, the most important of which is broader diversification. By going international, the potential gains for your portfolio and your retirement are no longer tied exclusively to the performance of the U.S. economy and financial markets. And since markets in different countries don’t always move in Continue reading Investing Internationally for Your Retirement Fund – Minimize Risk in Your Portfolio One important way to measure the effect of happiness at work is by looking at the time people spend on task – or doing what they’re there to do. Before the recession, people who were really happy at work reported that they spent 78% of their day on task. The rest was taken up by Continue reading Happiness: How Happy Are We at Work? And How Productive? The housing debt crisis continues as 10% of American households with a mortgage are at risk of foreclosure. About 9.9 percent of homeowners had missed at least one mortgage payment as of June 30, the Mortgage Bankers Association said Thursday. That number, which is adjusted for seasonal factors, was down slightly from a record-high of more than Continue reading Debt: Mortgage: Foreclosure Risk Remains High at 10% It’s a little-known fact that when you fall further and further behind on your debt payments, creditors would much rather agree to settle your debts than have you file bankruptcy and not get paid at all, says debt expert Gerri Detweiler, author of “The Ultimate Credit Handbook.” In exchange for an agreed-upon one-time payment — typically, Continue reading Debt Relief: Debt Settlement Companies Have High Fees – Better to Lawyer-Up |
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