Finance Attitude - 6 Common Retirement Options and How They Differ
The retirement planning process is a process that takes a lot of time and efforts and you should start planning for it as early possible. The retirement plans you make at a younger age can help you to achieve your retirement goals and help you maintain the lifestyle you wish to have in your later years. You can accumulate a variety of retirement plans as you advance in your career. There are a variety of plans that can help you to save for the retirement.  
Finance Attitude - 6 Common Retirement Options and How They Differ
/Lydia Wanjiru/ -- The retirement planning process is a process that takes a lot of time and efforts and you should start planning for it as early possible. The retirement plans you make at a younger age can help you to achieve your retirement goals and help you maintain the lifestyle you wish to have in your later years. You can accumulate a variety of retirement plans as you advance in your career. There are a variety of plans that can help you to save for the retirement.  
Finance Attitude - Family Budgeting with the Prudent Life – Budgeting Success
/Kysha Wheeler/ -- Saving money has never been easy. If it was, I am certain than the national debt would be much lower than what it is today. Creating a budget is also a lot easier than actually sticking to it. Try as we might, we just cannot seem to achieve the goals we pencilled out at the beginning of the month. This may be because we simply lack the discipline to limit our spending to the essentials that we outlined on our budget. I have however found that if you set a practical budget that actually suits your family’s needs, you are far more likely to make some financial progress.
4 Ways to Get Out of Debt Through Debt Consolidation
4 Ways to Get Out of Debt Through Debt Consolidation
/Lydia Wanjiru/ - Debt consolidation is one of the options to consider to get rid of your debts. Debt consolidation involves taking out a lower monthly interest loan to pay off your existing debts. It is used to basically combine all your debts into one single loan that you can repay monthly usually at a lower interest rate than your current average. A new debt consolidation loan can be used to repay off your unsecured debts. Here are 4 debt consolidation options that you can consider to get out of debt: A.    Borrow against your home equity You can consider borrowing against the equity in your home using a home equity loan or home equity line of credit and use the loan to pay off your existing debts.  Home equity loan and home equity line of credit have lower interest rates and higher borrowing limits than other kinds of loans. Home equity loan is a closed-ended account and can be repaid over a period of time and a home equity line of credit is an open-ended account that is similar to a credit card that you can borrow against and repay. B.    Transfer credit balances If you have multiple credit card balances, you can consider credit card balance transfer option to pay your debts. This involves the use of a low rate balance transfer to consolidate your balances onto a single credit card. This is best applicable if you have a large enough credit card limit. However, if you don’t have a large credit limit, you still transfer just a few of your highest interest rate credit cards balances to reduce some of your debt. Do a calculation to see whether the credit card consolidation plan will save you anything before you embark on it. C.    Borrow from your life insurance policy You can consider borrowing from a life insurance. It may not be the best option but it is better than bankruptcy because filing for bankruptcy can have very severe and adverse long-term effects. It is possible to borrow a loan up - to the cash value of your policy and use the proceeds that you get for debt consolidation. You may not be required to make any repayments to your insurance as long as the loan borrowed is less than the cash value of the policy. However, it is advisable to do it if you are able to because if you don’t pay, the policy benefits will be used to cover your loan and not your beneficiaries as you would have wished it to. D.    Borrow from your retirement Borrowing from your retirement can be a last resort to consider if and only if there is no other way out. Most retirement plans can let you borrow a loan against them like the 401k plan. This method, however, has several downsides which include the loan has to be repaid in 5 years or less for starters and is considered as an early withdrawal and thus is subject to penalty and income tax. It can be an option to help you pay your debts and avoid filing for bankruptcy.
HOUSTON, Feb. 13, 2018 (GLOBE NEWSWIRE) -- The Just Energy Foundation has been working closely with community partners across the US Southwest to bring more Just Energy Sustainable Gardens and outdoor learning spaces to underserved schools in Just Energy’s South and Southwest operating markets.
 (PRNewsfoto/Cboe Global Markets, Inc.)
CHICAGO, Feb. 9, 2018 /PRNewswire/ -- Cboe Global Markets, Inc. (Cboe: CBOE | Nasdaq: CBOE), one of the world's largest exchange holding companies, today reported a record week of trading activity with several single-day records across the company's exchanges and products set between February 2 and February 8.