Cash, Credit or Bitcoin—which payment option do you choose?

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While it is unlikely your local grocery store is currently accepting payment in bitcoin, you may have heard of this new emerging form of currency and may be wondering what is it; how does it work; and should you have some bitcoin stashed in your wallet?     Bitcoin is a new form of currency created in 2009 that only exists in digital format. At its core, bitcoin functions like other payment forms—you can purchase goods online or offline using your bitcoins as long as the seller accepts that form of payment. At present, not that many entities take payment in the form of bitcoin (coinmap.org is attempting to track physical locations that accept the currency), and people are likely buying bitcoins more as an investment with hopes they’ll go up in value over … [Read more...]

5 Ways to Take Advantage
of America Saves Week

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What do primetime TV commercials, Pinterest and Starbucks have in common? They all entice you to spend, spend, spend. In the name of America Saves Week, the overspending stops here.   The annual event is designed to spread the word about healthy financial habits while providing tips and tools to take control of your own savings plan. You can take their savings plan assessment, download a poster to keep your goals in focus or test your savings knowledge.   If nothing else, consider this a good time to evaluate your spending habits and savings. Whether you’re starting from scratch or well on your way, we’ve got a tip for you.  Open a spreadsheet or log in to your favorite finance app, and take advantage of America Saves Week. Here are 5 ways to update to your savings … [Read more...]

Easy Ways to Start Investing

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Beginning investors are sometimes slow to get started because they aren’t sure just what to invest in. If this describes you, there’s no need to delay – you can start investing in just about everything. You can do it now, and it’s easier than you think.   You don’t need to worry about individual stocks or bonds. You can invest in either mutual funds or exchange traded funds (ETF’s), each of which represents a portfolio of stocks and other investments in either the overall market, or in various specialized sectors.   This is the easiest route for most new investors, because you can diversify across literally hundreds of stocks, thousands even, simply by holding a very small number of funds. This will also cut down on the cost of investing, since you pay a single fee – … [Read more...]

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