Dear Annie: I just got a pink slip from the bank where I’ve worked as a marketing director for the past 12 years, and which is now undergoing a total restructuring, so I’m pondering what my next move should be. Opportunities are limited in the smallish East Coast city where I live (the bank I’ll soon [...]
As rising fuel costs and demand drove up food prices last year, consumers throughout the country felt the pinch at the grocery store. Although predictions for 2012 aren’t as dramatic, the Department of Agriculture anticipates that grocery store prices will rise another 3 to 4 percent. Looking for ways to rein in your grocery budget? U.S. Newsasked three savings [...]
One of the biggest benefits of maintaining good credit is access to the most competitive interest rates on everything from loans to lines of credit. However, even good credit doesn’t necessarily guarantee you the lowest possible credit cards rates. The reality is that it may take a phone call (or several) to negotiate a truly [...]
Behavioral economists and psychologists have long noted that people are not wired well when it comes to making short-term sacrifices to achieve long-term goals. In an innovative researchproject published in the Journal of Marketing Research, consumers boosted their planned retirement investments after they viewed older versions of themselves using facial-aging software. The idea of investing in their own [...]
Responsible retirement planning begins early in a career. As time goes by, money placed in an IRA or a 401(k) will grow, allowing for a comfortable retirement. But post-retirement, the money saved over decades undergoes a fundamental change. Most retirement accounts allow money to be invested before taxes, such as when a company places pre-tax income into a [...]
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