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Plan Well, Retire Well

Saving and investing your money
Risk

Investing 101: How many kinds of risk are there?

This is the second in a series about the basics of investing. Last month, we met Aunt Jane and George. Their investing experience helped us learn about stocks and bonds. This month, they'll illustrate the risks that stockholders and bond owners face. Next month, they'll learn how to invest without having to buy individual stocks or bonds. To find all the posts in this serie...

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healthcare

Test Your Knowledge about Health Insurance

Just how well do you understand health insurance policies? It's a challenging topic! Kaiser Family Foundation surveyed people about health insurance terms and concepts; only 4% answered all of the 10 questions correctly. However, that quiz is from 2014. With the Health Insurance Marketplace (sometimes referred to as Obamacare) enrollment period now open, this seems like a good time for a new qu...

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Investing 101

Investing 101: A story that will teach you about stocks and bonds

Many of us choose investments for our IRAs or 401(k)s without really understanding what we're doing. So over the years that I've been teaching about personal finance, I started using a story that would help listeners understand stocks and bonds – without me ever using the words. So sit back with a cup of coffee (or even better, hot chocolate) and meet Freddie. Freddie wants to s...

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credit monitoring

How to Protect Yourself When Your Social Security Number is Public Information

In the last few years, we've had data breaches at the IRS, grocery stores, retail stores and now a major credit bureau. After much thought, I've come to accept that my Social Security number is no longer private, and won't be for the rest of my life. In addition, because I care more about someone using my identity for financial gain than anyone else, it's up to me to monitor my financial ac...

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student-loan-debt-1160848 1280

Cut Expenses While in College

Clearly college is expensive. However, most of the cost is not tuition! According to the National Center for Education Statistics , public 4-year, in-state costs in 2015-16 for students totaled $19,189 and tuition and fees was only 46% of total costs; room and board was the remaining cost . A...

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Lock

To Freeze or Not Freeze My Credit Report?

With the recent data breach at Equifax, a credit bureau company, you may be wondering whether you should freeze your credit report. I am one of the people Equifax has identified as "potentially impacted" by the data breach so I've been pondering my actions. First, what is a credit freeze? A credit freeze stops the credit bureau from releasing your credit report...

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all-my-money-box
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2-day training for agencies working with limited resource audiences on financial management

Does your agency work with low to moderate income clients on debt management, budgeting, or understanding financial products like payday loans and prepaid debit card? University of Illinois Extension's All My Money: Change for the Better curriculum was created for you! All My Money: Change for the Better is designed s...

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