What is the most dangerous thing you learned in school?

How about learning pre-calculus before learning how to balance a checkbook? Maybe exploring paramecium’s before understanding the dangers of credit card debt? The Pythagorean theorem or compound interest? Which would have been more valuable to you? We will attackthis problem with exciting programs from our subsidiary Real$martica.   Coming soon…. More on this read on… http://www.forbes.com/sites/jessicahagy/2012/05/02/nine-dangerous-things-you-were-taught-in-school/2/

Do not listen to investment gurus

From Rick Ferri The results are in and they are bad. After tracking 68 experts and 6,582 market forecasts, CXO Advisory Group has concluded that the average market prediction offered by experts has  been below 50% accuracy. Flip a coin and your odds for predicting the  market are better. It’s hard to imagine that the…

When is the cheapest month to buy car insurance in New York?

From marketwatch.com When to buy car insurance Rates can vary by state and time of year AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington D.C.West VirginiaWisconsinWyoming New York   Most expensive month: June, July, August, September Least expensive month: December Average annual cost: $1,109.00 ↳ State rank: 48

When is the cheapest month to buy car insurance in New York?

From marketwatch.com When to buy car insurance Rates can vary by state and time of year AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington D.C.West VirginiaWisconsinWyoming New York   Most expensive month: June, July, August, September Least expensive month: December Average annual cost: $1,109.00 ↳ State rank: 48

50% of Americans live paycheck to paycheck

In other words, too many of us are living paycheck to paycheck. The CFED calls these folks “liquid asset poor,” and its report finds that 44% of Americans are living with less than $5,887 in savings for a family of four. The plight of these folks is compounded by the fact that the recession ravaged…

How much should you expect to pay for health costs in retirement?

According to Fidelity the number is $240,000!! This is an estimate for out of pocket expenses from retirement until death. One way to approach this is to eat well and exercise. This is the cheapest option. You can also look into getting LTC insurance. Your mid- fifties would be a time to consider this to…

Why you must put money into retirement accounts

They are one of the best tax shelters you could ever imagine. If you are not contributing or contributing less than 10% of your income, please read this. http://news.yahoo.com/awesome-benefits-retirement-accounts-154222847.html?soc_src=mediacontentstory

Would President Obama’s MYRA proposal work for you?

Only if you are not able to participate in an employer sponsored plan. Also you would have to roll it into a Roth account once it reached $15,000. This is really for people who have no access to a 401k plan and can only afford to put in a very small amount of money each…

What are your options when you leave a job but still have a 401K retirement plan there?

From Marketwatch: Participants generally have four options when leaving their employer-sponsored plan:                                         They can leave the money in the former employer’s plan, if permitted;                                     Roll over the assets to a new employer’s plan, if one is available and rollovers are permitted;                                     Roll over the assets into an IRA;                                     or cash out the account value. What…