unintended consequences

by Ryan W. Smith Retirement savings have always been a long term goal for most Americans. Studies and experts have continuously said that saving earlier is necessary to meet the retirement goals most people have. …

According to an international survey of over 18,000 people from 17 countries, with more than 1,000 Americans included, researchers at HSBC noted that just over one-third, 35%, of those asked said they wished they’d started …

According to an international survey of over 18,000 people from 17 countries, with more than 1,000 Americans included, researchers at HSBC noted that one of the main difficulties to maintaining a retirement savings plan is …

Saving early might not be enough to ensure a comfortable retirement, and continuing to save during difficult financial times is just as important as when a person begins saving for retirement. According to a global …

by Ryan W. Smith Summer is winding down and the Dog Days are here, which of course means college classes are about to start again with a whole new crop of freshman on campuses across …

The vast majority of college freshman have never created a budget. They have never needed to pay bills, nor have they needed to make sure they have money for food and other necessities. They do …

Yes, credit cards are still a major financial issue for most college freshmen away from home for the first time. There are ways that students can utilize credit in a positive way, but without much …

Freshman year is a year of large changes for most students. It marks the first steps into independence, the first time away from home, the first time she is being recognized as an adult. However, …

by Ryan W. Smith Nearly all married couples argue about finances from time to time. In years past, disagreements about finances were cited in many studies as a primary reason for divorce. However, in recent …