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PerkStreet: Financial Infidelity - Confront It Now or Forever Hold Your Peace

By Guest Blogger(view all posts by Kyle_Psaty)
at 10:57AM Friday June 10, 2011
under Personal Finance

Image by [bastian.] via Flickr

Believe it or not, financial infidelity is a real thing affecting millions of Americans, and recent data compiled by the National Endowment for Financial Education (NEFE) suggests that 3-in-10 married Americans have committed it. If that many people are lying to their significant others, you might be inclined to follow suit. But not so fast. Some 16 percent of the survey respondents admitting to this deception say it ultimately caused a divorce!

So if you're lying to your spouse or significant other about money, or you suspect them of lying to you, what do you do?

It's not going to be easy, but it's time to clear the air and get this bad business off your chest. Here's how: Read More »

Buy Like Buffett: Mistakes and Missed Investment Opportunities

By Guest Blogger(view all posts by Mark.Riddix)
at 12:56PM Tuesday June 7, 2011
under Personal Finance

Image by kayaker1204 via Flickr

The current state of the stock market has a lot of investors living in fear. They are afraid of the bleak job outlook, declining equity prices, and lower than expected economic growth. In the face of these circumstances, some investors are making some bad investment decisions that they may regret in the future.

Here are a few of the mistakes that people are making right now. Read More »

Sesame Street and PNC Bank Team Up to Educate Kids About Saving

By (view all posts by Susan.Yoo-Lee)
at 6:57AM Monday June 6, 2011
under Personal Finance

"Sunny day. Sweepin the clouds away. On my way to where the air is sweet. Can you tell me how to get, how to get to Sesame Street."

Growing up, Sesame Street was my 'hood.  Every morning, I would sit in front of the TV with my bowl of cereal and wait for Big Bird, Elmo and Cookie Monster to entertain me.  While I was being entertained little did I know I was also learning all sorts of lessons on life.

Every positive message and life lesson was conveyed in a fun way for a five year-old me to comprehend.  With those lessons, I took away the message to always have respect for others, which was one of the biggest things that I learned and continually use in my life (it's so important to know that what you learn at a young age, you carry on throughout your life).

Now that I am a mom, it's exciting to watch Sesame Street with my kids, when I occasionally catch it on PBS (I get to share a piece of my childhood with them--there was no Nickelodeon back then).  The closest my kids get to Sesame Street is the annoying Tickle Me Elmo doll, my best friend bought a couple years back (I've already attempted to throw him away a few dozen times and have been unsuccessful).

Now Sesame Street and PNC Bank have teamed up to teach children about spending, sharing and saving money in a fun way with the For Me, For You, For Later initiative.  Read More »

Ask the Advisor: Ways to Get Rich Quick?

By Guest Blogger(view all posts by Kent_Thune)
at 8:57AM Thursday May 26, 2011
under Personal Finance

Question: What's the quickest way to get rich?

This week's question does not come from a particular individual but it is one that is implicitly and explicitly asked and answered every day in many ways. Read More »

Buy Like Buffett: Retirement Planning in the Face of a Possible Social Security Shutdown

By Guest Blogger(view all posts by Mark.Riddix)
at 6:58AM Tuesday May 24, 2011
under Personal Finance

Lots of people are worried about their retirement plans with all of the discussions over cutting entitlement spending in Washington. It appears likely that politicians will be cutting back on Social Security and Medicare spending in the coming years. This will put more of the onus for saving for retirement onto individuals. You will have to generate more income in future years to meet your retirement income needs.

Here are a few things that you can do to prepare for your retirement. Read More »

Making it on One Income: Savings?

By (view all posts by CassieB)
at 6:58AM Monday May 23, 2011
under Personal Finance

The American economy is in a bad spot right now and many Americans are learning to budget on only a single income. With just one breadwinner, is it possible for families to focus on saving for college and retirement at the same time?

The short answer is yes. By prioritizing and sticking to a budget, families can continue to save for their kids and themselves through the lean years with only one income. The contingency is that a second income does come into play as soon as possible, a maximum of five years. Read More »

PerkStreet: Having the "Money Talk" to Prevent Couples Financial Issues

By Guest Blogger(view all posts by Kyle_Psaty)
at 11:57AM Thursday May 19, 2011
under Personal Finance

Image by gfpeck via Flickr

Money isn't an easy thing to talk about. In fact, it's probably one of the hardest things to inquire about, especially when dealing with someone you love. We already know that Americans tend not to marry for money, but couldn't this also imply that we might not be talking about money as much as we should be? The truth is, far too many couples put off discussing their finances.

Here's how to know when to have "The Talk" and what you should cover. Read More »

Billeater: Retirement Planning for Women - Saving Your Savings

By Guest Blogger(view all posts by savingtools.com)
at 11:57AM Wednesday May 18, 2011
under Personal Finance

The life expectancy for women today is 81 years, while men average 75 years. That extra six years can make a big difference in the money a woman should save toward retirement. Saving toward retirement has not always been something that many women traditionally considered important, so it is sensible that women should save more in their later years, especially if they did not save much in their earlier years. According to the Center on Budget and Policy Priorities, without Social Security, three out of every five elderly females will fall into poverty. Read More »

Buy Like Buffett: What Can Be Learned from the US Debt Crisis

By Guest Blogger(view all posts by Mark.Riddix)
at 7:52AM Tuesday May 17, 2011
under Personal Finance

Image by Agamitsudo (Own work) [CC-BY-SA-3.0 or GFDL], via Wikimedia Commons

The United States Government recently surpassed its debt limit and there are big questions over what should or what should not be done. As bad as it is that the government has run up trillions of dollars in debt over the past century, there are some lessons that can be learned from this situation.

Here are a few tips that you can apply to your personal finances. Read More »

PerkStreet: Is Your Relationship is Ready for Joint Checking Accounts?

By Guest Blogger(view all posts by Kyle_Psaty)
at 9:57AM Friday May 13, 2011
under Personal Finance

Image by ryancr via Flickr

The joint checking account was developed for couples--married ones. That's because married couples generally own most of their valuable property together. Both names are on the deed to the house, etc. Of course, many married couples keep their property separate, but this can undermine the trust required in a relationship. But what if you're not married but live together? Maybe you don't plan on ever marrying or can't get married for one reason or another?

If you're in love and live together, a joint checking account can make sense. Here's how to know getting a joint checking account makes sense. Read More »

Ask the Advisor: When Microsoft Buys Skype, Who Benefits?

By Guest Blogger(view all posts by Kent_Thune)
at 8:55AM Thursday May 12, 2011
under Personal Finance

Question: Is the Microsoft purchase of Skype a good thing? Who will benefit the most?

When a large company buys a relatively smaller company, one may intuitively guess that it's good news: The larger company becomes more valuable by acquiring a rising star and the smaller company gets to grow faster by taking advantage of the larger company's widely-accessible products and service. It's not quite that simple. Read More »

The Pros and Cons of Prepaid Cards for Kids

By (view all posts by aksekar)
at 8:58AM Wednesday May 11, 2011
under Personal Finance

Parents, with the laudable goal of teaching financial responsibility, hand prepaid cards to their kids as a way to encourage restraint while still permitting freedom. And prepaid debit has a lot to recommend it. It's convenient, so kids don't have to fumble for change when buying sarsaparilla from the corner grocery store. It won't give kids access to lines of credit, or saddle them with a bad credit score before they can drive.

But for all the advantages of prepaid debit cards for kids, parents are almost always better off choosing a regular checking account.

We've moved on from piggy banks

Times have changed: back in my day, I was handed a quarter every week, which I kept in a jar, blissfully unaware that the shiny stacks of coins were slowly but surely depreciating. Read More »