Do's and Don'ts of Networking for College Graduates

Posted by iGrad on Jul 14, 2017 7:00:00 PM

The core difference between the average job-seeker and the networking job-seeker is that the former applies for several jobs by sending resumes and applications to faceless and anonymous emails. The latter however, recognizes that email inboxes and screening software applications do not give jobs. Therefore, they look for real people to approach. This is not as easy as it sounds. Here are some do's and don'ts to assist you in networking while you're still in college.

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Topics: Networking, How to land a job out of college, Networking tips for college students

How to Take the Heat Off Your Summer Budget

Posted by NerdWallet on Jun 23, 2017 7:00:00 PM

Summertime brings more than sunburns and barbecues — it can also send your monthly expenses through the roof. But with a little work now, you can enjoy the hot season and avoid pinching pennies in the fall.

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Topics: Summer Vacation, Tips for the best summer vacation, How to Save for Vacation

A Closer Look at Tax-Loss Harvesting

Posted by Jim Wolf on Jun 9, 2017 7:00:00 PM

Each year, some of your investments will reflect a positive gain while some others could be showing a negative return. Not always is it clear whether or not your investment has made you money or not, but we’ll save that explanation for another day. For now, let’s focus on ways to keep more money in your pocket versus giving it to the IRS. Something you should consider each year is “Tax-Loss Harvesting” within your taxable account.

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Topics: Taxes, Elements Wealth Management, Tax Loss Harvesting, Understanding Tax Loss Harvesting

7 Things Most People Don't Know (But Should) About College Savings Plans

Posted by iGrad on Jun 6, 2017 7:00:00 PM

529 plans, tax-advantaged college savings, are a highly useful investment tool for paying for your or your child's education all the way through graduate school. But what should you know about them? iGrad asked Betty Lochner, national chair of the college savings plans network about what everyone should know but doesn't about these plans.

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Topics: Things you should know about College Savings, College Savings Plan, Tips to save for college

6 Ways to Fund a Working Mom’s Retirement

Posted by Kelly Fennelly on May 19, 2017 7:00:00 PM

“Americans—women especially—aren’t getting the message that they need to start saving for retirement with their very first job,” says personal finance columnist Liz Weston, author of Deal With Your Debt.

As a working mom, whole weeks may go by without the chance to sit down or even think. You’re managing a career, making decisions for your family, and caring for kids and often parents, too.

It’s not easy, then, to hear about one more job that needs your immediate attention: retirement planning. But let’s just be blunt, women are almost twice as likely as men to wind up living below the poverty line during retirement.

Here are six tips to help you prepare for retirement:

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Topics: Savings, How to Save for retirement while having kids, working mothers saving money, How to save for retirement when you're a mom

Getting Real About Your Career After College Graduation

Posted by iGrad on May 12, 2017 7:00:00 PM

Attending college gives you the chance to study in diverse academic fields. Students normally gravitate towards majors they have a strong interest in. But how many are thinking about their future career when declaring a major? This major is expected to prepare you for the real world after university, but beyond academics, it should also teach critical thinking skills in the context of your academic strength, and hopefully set you up for a successful transition into the job market.

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Topics: Career after college, Getting a job as a new grad, Jobs for recent graduates

What Does Mom Really Want for Mother’s Day?

Posted by Michelle Payne on May 9, 2017 7:00:00 PM

If you came seeking a definitive answer to this question, I don’t have that. Because I am not your mom. But I am a mom with two children and 13 years of experience in this realm, so at least I can provide some perspective for you!

When I think about the answer to “What Does Mom Really Want for Mother’s Day?” my mind turns to beauty pageant contestants. The old cliché tells us that all of them want World Peace. Moms are no different. Of course, we want that, too. Probably more than anything, we want health and safety for our families and friends. Yet, Mother’s Day is this coming Sunday, May 14th, and World Peace can’t be built in 5 days and, unfortunately, it can’t be picked up at the Hallmark shop. So I’ll take a different approach to this topic by naming My Top 5 Gift Ideas for Your Mom:

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Topics: Mother's Day Gift Ideas, Mother's Day, What to give mom on mother's Day

The Need For Estate Planning After Divorce

Posted by Kent Emswiller on May 2, 2017 7:00:00 PM

The statistics don’t lie and they don’t change.  Approximately fifty percent (50%) of first marriages end in divorce, seventy-eight percent (78%) of second marriages end in divorce and ninety-three percent (93%) of third marriages end in divorce. Of course, on the other side of the coin, one hundred percent (100%) of marriages that don’t end in divorce, end in death. But I digress.

The lead in is meant to make the point that, among the many things a newly divorced person needs to do, is review his or her estate plan.

Divorce may, but usually does not, automatically remove the ex-spouse from a beneficiary position or a fiduciary position.  Most family law practitioners recommend a stop at the estate planning lawyer’s office the day after the ink is dry on the Decree of Dissolution, but I recommend a month before that date.  Below is a list of some common estate planning instruments and what effect, if any, the divorce decree has on each one.

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Prince, Pauper, or In-Between: How Long Can You Live on Your Savings?

Posted by Raymond Mark on Apr 28, 2017 7:00:00 PM

Unfortunately, many Americans do not have extra funds to handle a financial hardship if one were to arise. In a recent survey conducted by, almost half of Americans confessed they don’t have any emergency savings set aside to cover three months of expenses. Within that number, more than a quarter (28%) have no emergency savings at all. At the other extreme, almost half of the people polled have over three months in emergency savings. The foundation of this great savings breakdown may be simple: Many people just don’t know how to save.

Why are so many Americans behind on savings? One of the big reasons people aren’t saving more is likely because they are living beyond their means. In addition, the increased use of credit cards and the popularity of payment options such as Apple Pay and Samsung Pay, have made it easier to spend than to save.

Here are six tips to pursue a stress-free financial future.

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Topics: Retirement, saving for the future, stress free financial life, how to manage a savings account

Wouldn’t You Like to Sleep Better Than a Baby?

Posted by Michelle Payne on Apr 21, 2017 7:00:00 PM

I recently met my brand-new niece who lives several states away. At the time she was seven weeks old (and now almost 10) and her parents were, not surprisingly, sleep-deprived. At one point my sister and I discussed the sheer irony of the phrase “sleep like a baby” because new babies do not generally sleep soundly or consistently.

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Topics: sleeping well, restless sleeping, how to get a good night of sleep