April 23, 2022
Mohenjo
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“House poor” is a common expression used to describe people who are wasting too much money on housing, leaving them with too little to spend on everything else. But it can also refer to those who are getting too little housing bang for their buck.
And now, with interest rates on home mortgages spiking faster than they have in decades, it’s getting more expensive by the moment to own a home in the U.S.
As an economist, one of my goals is to make you “house rich,” ensuring you end up with the housing you really want at the price you can really afford.
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April 23, 2022
Mohenjo
Business, Finance, Food For Thought, Human Interest, Political, Science, Technical
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Here’s who won’t qualify for $6.2 billion of student loan cancellation.
Here’s what you need to know — and what it means for your student loans.
Student Loans
There’s good news for student loan borrowers: President Joe Biden will cancel $6.2 billion of student loans. However, you may be wondering if you will qualify for this student loan forgiveness. While 100,000 student loan borrowers are expected to qualify for this student loan cancellation, it’s important to understand who won’t qualify for $6.2 billion of student forgiveness.
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President Joe Biden (Photo by Win McNamee/Getty Images) Getty Images
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April 23, 2022
Mohenjo
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April 22, 2022
Mohenjo
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During your working years, your largest income stream is generally from employment. When you retire, however, your income will likely need to come from a variety of sources, such as retirement accounts, after-tax investments, Social Security, pensions, or even continued part-time work. For those looking to create a retirement income stream, there are a variety of strategies available depending upon your specific income needs and lifetime goals. Two simple retirement income strategies include the total return approach and the bucket approach.
Total Return Approach to Retirement Income
The total return approach is probably the best-known strategy. With this approach, assets are invested with a focus on diversification, using a portfolio of investments with a varied potential for growth, stability, and liquidity, based on your time horizon, risk tolerance, and need for current and future income. There are three defined stages within this approach, which are contingent upon how near you are to retirement:
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Accumulation phase: During peak earnings years, the objective is to increase total portfolio value through long-term investments that offer growth potential.
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Pre-retirement phase: As you approach retirement this should include a gradual move toward a more balanced growth and income-based portfolio, with an increased allocation toward stable and liquid assets as a means of preserving your earnings.
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Retirement phase: Once retired, maximizing tax-efficient income while protecting against principal decline may result in a portfolio heavily weighted toward income-producing liquid assets.
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April 22, 2022
Mohenjo
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Many Americans eagerly look forward to a time when they can stop working and officially set their status to “retired.”
But when asked what age they anticipate that could be, there isn’t a consensus.
The average age when people say they hope to retire is 62, according to one survey.
That is also the age at which people can first claim Social Security retirement benefits, so long as they are eligible based on their work records.
However, people receive reduced benefits for claiming early. If they wait until full retirement age to claim — generally 66 or 67, depending on when they were born — they receive the full benefits which they have earned. If they wait until age 70, they stand to get an 8% per year benefit increase over their full retirement age.
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April 22, 2022
Mohenjo
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April 22, 2022
Mohenjo
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The annual Lyrid meteor shower has been putting on a dazzling display for 2,700 years, and another impressive show is about to unfold in the night sky.
Seeing a shooting star dash across the night sky can be a breathtaking sight, and later this week, a flurry of meteors will give people plenty of opportunities to spot these celestial fireworks.
The Lyrid meteor shower peaks on Thursday night into Friday morning. This is one of the oldest meteor showers in history with records of the Lyrids going back 2,700 years, according to EarthSky.
Spending time outside to view the Lyrids can be a great early Earth Day festivity for people of all ages before the annual event on Friday. Nearby parks that are open after sunset can be great spots for stargazing as they tend to have less light pollution than from a neighborhood where there are many sources of light.
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After a three-month hiatus, shooting stars will finally return to the night sky on April 21-22, during the peak of the Lyrid meteor shower.
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April 21, 2022
Mohenjo
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I don’t think anyone really enjoys filling up the gas tank. It feels like you are just standing around when you could be getting somewhere. If you get gas on your hands or shoes, you smell like it all day. And on top of all this, you actually have to pay for it. With gas prices over $4 a gallon (up to $6 in some states), we are all too painfully aware that gas isn’t cheap.
Of course, there are many things you can do to spend less at the pump. The US Department of Energy has some tips to help you save fuel, which include removing roof cargo and the extra stuff in your trunk, using cruise control, and even turning off your engine while waiting in the drive-through line. You could also reduce how much you drive by carpooling or working from home. Finally—and this is the important one—you could just drive slower. Every car gets better gas mileage at 50 miles per hour than at 70.
But that gives us an interesting problem to solve: What commuting speed saves you the most money?
Here is the dilemma: If you drive fast, it takes more gas, which costs more money. If you drive slower, it takes less gas, so you will save money. But you will also sacrifice time—time you could spend on the clock at work, earning money. There should be some optimal driving speed at which the total cost (gasoline plus missed work) is minimized. This minimum cost will depend on the fuel efficiency of your car and how much you earn per hour.
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Photograph: Joshua Beaven/Getty Images
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April 21, 2022
Mohenjo
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April 20, 2022
Mohenjo
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By the end of the decade, about 21% of the country’s population will be 65 or older, up from 15% in 2016, according to forecasts by the Census Bureau. Most non-retired adults have some type of retirement savings, but only 36% think their savings are on track.
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Now, Congress is looking to help Americans save by bolstering 401(k) programs — the tax-deferred, company-sponsored retirement accounts to which employees can contribute income, and employers can match their contributions.
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A new bill, expected to reach President Joe Biden’s desk by the end of the year, could require most employer-sponsored retirement plans to enroll their workers automatically, making it easier for student-loan borrowers to save, and for older workers to make catch-up contributions. It will also lower costs for smaller businesses.
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Should I invest if I have debt? A financial coach shares her advice
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