Steadfast Finances - A Personal Finance & Investing 101 blog that delves into current events, consumer education, and techniques to improve your bottom line.
15 November 2012

How I Would Have Retired Early

I’ve long since thrown in the towel on retiring by 35. That was my goal as a sophomore in high school and when I look back on it, I can’t help but snicker at how naive I had been. Not because retiring by 35 is unreasonable. If anything, I believe it is more possible now than I’d originally believed. It was my strategy and ignorance of money that hindered my chances of retiring early. If I could do it all over again, I would have done things much differently.

12 November 2012

4 Bond Strategies You Can Use To Grow Your Portfolio

 Investing 101         2 comments

Investing in bonds is just one way to diversify your investment portfolio. After all you should not put all your eggs in one basket. Bonds are a great investment if you want a regular income stream. Many people enjoy receiving the added income while preserving their initial investment. When it comes to investing in bonds, there are actually many different strategies that you can employ.

8 November 2012

How to Get a Tax Deduction from Hurricane Sandy

 Personal Finance         No comments

In comparison, it wasn’t as bad where I live. Many homes were without power for a couple of days. A few downed trees proved a nuisance for homeowners who now had to deal with chopping them up. I had to chase down my recycling bin, which was sent racing down the street by a gust of wind. For those in NJ and NYC, the conditions were far worse.

5 November 2012

5 Unforeseen Expenses That Can Ruin Your Retirement

Retirement is the culmination of everything we worked hard for throughout the first two-thirds of our lives. It is the time when we can truly start to enjoy the fruits of our labor. Well, ideally, it should be. But what if, before you even start to enjoy your rest and freedom, you discover certain financial obligations that you never even considered before. You find out too late that there are hidden expenses that you still need to pay for regularly. That will surely burst your bubbles fast on your last day on the grind.

1 November 2012

Four Money Saving Tips for New Homeowners

 Personal Finance         No comments

Congratulations. As a first time home buyer, you get to enjoy the wonders of home equity and excitement of housing inflation. However, being new to owning, there probably is a lot that you need to figure out and I’m not talking about where to put the coffee table. Expenses can add up quickly when you own a house, but there are many costs that are easily avoided, so long as you are aware of them.

29 October 2012

Student Loans – Yea or Nay?

With these tough economic times and the cost of tuition and other expenses skyrocketing, paying for college puts enormous pressure on the shoulders of both parents and students. Sometimes, even after your parent’s contribution to your college fund is made, and you have received all the deductions due to financial aid and other grants, you still have a gap between the amount you have on hand and the amount you need.

25 October 2012

The Finances of Faster Highways

 Economy         No comments

Texas is looking to break the speed barrier. A new highway proposal is schedule to set an 85 mph speed limit, making it the fastest section of road in the US. Proponents of the speed limit increase maintain that by increasing speed, it will increase traffic use, which is good for toll revenues. However, financial opportunities never arise without financial consequences.

22 October 2012

How to Cancel a Student Loan and Why

 Personal Finance         No comments

Educational loans and student loans are thought to be the next big bubble that explodes in the economy. Many students are worried about their student loans, and many are not familiar with the terms and conditions. These student loans are to be repaid by the students themselves one day. So having less debt from the get go is always helpful.

20 October 2012

Saving for Retirement is Multidimensional

 Personal Finance         No comments

While I am still young, I have already started planning for retirement. I absolutely love this stuff. I like planning ahead and being responsible. Since I am relatively new to planning for retirement, I feel like I learn something new about retirement every day. There was an article published recently about a check list for [...]

18 October 2012

What Happens When You Don’t Pay Taxes

 Taxes         No comments

Perhaps you haven’t given it much thought, but there are very different implications and penalties for not paying your taxes. I’m not just talking about Federal income taxes. There are numerous taxes that an individual can face. Each tax comes with its own unique personal finance mess.

16 October 2012

Some Tips for Those in Financial Difficulty

 Personal Finance         No comments

Financial difficulties can disrepair families and ruin lives. Whether it’s the sight of being confronted by the bailiffs – and the consequences of that confrontation – or the realization that you barely have enough money to provide sufficient food for your kids to be nutritionally healthy; severe economic problems are a burden we all fear to the utmost. In the midst of the complete absence of hope that money problems bring for many people however, there are a few things that can be done to help alleviate the stress and, temporarily at least, help repair the situation.

15 October 2012

Bond Ladders Aren’t Just for Old People

 Personal Finance         4 comments

Grandpa might have been on to something when he liquidated his stock holdings and invested in a bond ladder. At the time you didn’t know what the hell he was talking about, but you were quite tired of hearing him talk about the risks associated with the stock market. After the reinvestment, you hardly heard a word about his retirement. His risky investments turned into an income-producing bond ladder and money troubles went away. Now that you’ve got a little money saved up, you’re wondering if a bond ladder might be a good choice for you.

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