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Longer Loans Cost More. So?

It’s car-buying season, and new data show that a growing number of Americans are choosing longer car loan terms—as long as seven years. Most personal finance advice would steer you away from the longer loan—because in the end you’ll typically pay...

How to Figure Out 401k Fees

Noticed something new in your 401k statements? (Admit it: you're only opening them now, because it's tax season.) You're probably looking at a fee breakdown, the actual cost of your 401k, because plan sponsors are now required to spell out how...

How to Have the Fee Convo

Last week, we discussed the different types of financial advisers. Today: What should you ask your money pro first? Answer: You need to know what they’re charging you, so you can keep your investing costs low. Here are some common fee structures....

Save 1% More to Make a Fortune

Let’s say you’re about 40, and you make $75,000 a year. You’re reading DailyWorth, so you’re saving 10% of your income, yearly. Let’s also assume your boss gives you a 3% raise per year (thanks, Boss!), and you have $35,000 in retirement savings...

Co-Sign at Your Own Risk

Should you co-sign a loan or credit card for a friend or relative? I get this question a lot, especially since  the economic downturn has made it harder for people to obtain loans.   There are certainly situations where you might be inclined to go...

Benefits of a Ready-to-Own Business

There’s a reason that women make up more than 25% of franchise business owners. Buying a franchise is like starting your own company, but with less hassle. You’re working with an existing business model, using an established name, and getting...

Words You Should Know: Social Security Payroll Tax

Does it feel like your paycheck just got a little smaller? That’s because it did, by 2%. Thank the Social Security payroll tax. The Social Security payroll tax is one of the lines on your pay statement, and it is what it sounds like—a 12.4% tax...

The Happy Truth About Boxed Wines

Let’s imagine—hypothetically—that you like to drink wine. Not enough to slur your words, but a sufficient amount to keep dinner conversations slip-sliding along. You know, then, that vino adds up fast. But the hit isn’t as big if you buy boxed...

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