Rapper The Game makes generous appearance at West Baltimore block party

Kiplinger

  • Get some retirement help at work

    Get some retirement help at work

    Daunted by all the decisions you need to make before you retire? Some employers bring retirement advice to the workplace. Several years ago, Barbara Linnehan-Smith, a teacher in Portland, Maine, began attending retirement seminars offered through her union to learn about her pension formula, Social...

  • Best times to save some money

    Best times to save some money

    Benjamin Franklin said that time is money. And so is timing. Whether your goal is to boost your credit score or save on airfare, it can make a difference when you take care of financial business. Check your credit reports: Two months before you apply for credit is a good time to order your reports...

  • Retirement chart can ensure you have enough money

    Retirement chart can ensure you have enough money

    Matching your future costs to income is one of the most important steps in the run-up to retirement. Sit down and start a chart that shows how much you'll need and how much you'll have.  Start by identifying fixed expenses, including food, housing, insurance and taxes, along with more-flexible...

  • Retirement check: Signing up for Medicare

    Retirement check: Signing up for Medicare

    Your chances of a secure retirement will improve if you start making decisions and checking items off your to-do list at least a year out. Among the issues you'll face: how and when to sign up for Medicare. You're eligible for Medicare at age 65, and you can sign up without penalty anytime from...

  • Discuss your retirement expectations with spouse

    Discuss your retirement expectations with spouse

    Even rock-solid couples can discover that they have different goals or expectations for retirement. “He wants to live at the beach; she wants to live in the mountains. He hopes to spend more time with her; she wants to spend more time with the grandchildren,” says John Sweeney, executive vice president...

  • Can teens open Roth IRAs?

    Can teens open Roth IRAs?

    Q: My teenage son is working as an umpire for youth baseball games and is earning money for the first time. Can he contribute to a Roth IRA even though he's only 15 years old? Which companies offer good Roth IRAs for kids? A: There's no minimum age requirement to open a Roth IRA, so your son can...

  • Make a few fast investment fixes

    Make a few fast investment fixes

    In about 30 minutes you can make moves that will improve the return on your portfolio. Here are some suggestions:  Reassess your risk tolerance To create an investment plan that suits your goals and fits your personality, use Vanguard's Investor Questionnaire at www.vanguard.com/investorquestionnaire...

  • Let's go! Some advice for smart traveling

    Let's go! Some advice for smart traveling

    Considering taking a break and booking a trip? Here are a few things to keep in mind before diving in: Look beyond the tour price tag Budget tours may lure you in with a low sticker price, then charge for day excursions, meals or even airfare within your destination country. Check the itinerary...

  • Start planning well before first RMD

    Start planning well before first RMD

    Most of us invest in a 401(k) or similar savings plan because we want to enjoy a comfortable retirement. But once you turn 70 1/2, Uncle Sam wants his share, so he requires you to take withdrawals from your traditional IRAs, 401(k)s and other tax-deferred plans or face a penalty of 50 percent of...

  • Online budgeting tools can get you back on track

    Online budgeting tools can get you back on track

    If you're up to the task of organizing your finances on your own, you'll find no shortage of free or low-cost online tools to help you do the job. With a budgeting app such as Mint.com, for example, you can track bank, credit card and loan balances, monitor your investment portfolio, set savings...

  • When to seek out a financial adviser

    When to seek out a financial adviser

    Hiring someone who will make sure your financial ship is heading in the right direction is well worth the cost at certain critical junctures. One of the top reasons to see a financial adviser is to devise a retirement strategy, preferably while you still have plenty of time to save and invest. ...

  • Take advantage of the graying economy

    Take advantage of the graying economy

    A new report from Bank of America Merrill Lynch says that by the end of this decade, people 65 and older will outnumber children younger than 5 for the first time. In 2050, 2.1 billion people will be 60 or older, more than double 2015's count. This massive demographic shift is fraught with risk...

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