Why emergency fund leads retirement in priorities
Joe Plemon explains why building an emergency fund before retirement investing is essential. He cautions that tapping retirement savings for emergencies can trigger taxes and penalties and set a bad precedent, and argues delaying mortgage payoff and kids’ college preserves long term security.
MENTIONED IN THIS ARTICLE
Save For Children’s College
Tips for Establishing a Credit History
Advice from the National Foundation for Credit Counseling stresses starting slowly when building credit. Do not apply for too much credit at once and limit new credit card applications to avoid signaling desperation. Consider a co-signer if denied, but both parties risk impact from late payments. Aim for at least three lines of credit and keep usage under 30 percent while showing a variety of account types.
MENTIONED IN THIS ARTICLE
National Foundation For Credit Counseling
NFCC
Credit building tips for secured to unsecured cards
The article explains obtaining a closed end account like a car loan or secured credit card. You fund a bank account to secure a credit line equal to the deposited amount. Responsible use may lead to an unsecured card offer, per NFCC guidance.
MENTIONED IN THIS ARTICLE
NFCC
McClatchy-Tribune News
Debt reshapes young couples as student loans loom over marriage
Relationship counselors note rising college debt strains new unions with average student loans around 27 thousand and credit card debt adding to financial stress. Experts urge frank money talks early, proper budgeting, and aligned money personalities to prevent conflicts.
MENTIONED IN THIS ARTICLE
Ann Hakan
Kansas City
Hakan
Bloomberg News
Chase Card Services
XO Group
Closine Stocks New York Market Wrap
New York Stock Exchange most active names include AMD Alcoa Altria AmintiGrp Annaly ArchCoal Armour Rand BarrickG BestBuy Caterpillar CocaColas Chevron Citigroup Disney FordM Valero Verizon WalMart WellsFargo Xerox Yamanaga among others with varied highs lows and closes. Investors moved through a mixed session as key tech and energy issues traded with volatility and shifting sentiment.
MENTIONED IN THIS ARTICLE
New York
NYSE
AMD
Alcoa
Altria
Annaly
ArcelorMit
Baripvix
Barrickg
Beazerm
BestBuy
Bostonsci
BrMlySq
Cvscare
Caterpillar
Comex
Chesng
Chevron
Citigroup
Disney
ElderGldg Se
Hog market report from Peoria stockyards details
Hogs trading moderately active at Peoria Stockyards with barrows and gilts steady. 1-2 animals 240-260 lb priced 44.50 to 45.00, 2-3 270-290 lb 43.00 to 44.50. Sows steady across weights 29.00 to 32.00. Boars: over 300 lb 13.00, under 300 lb 18.00. Associated Press.
MENTIONED IN THIS ARTICLE
Valero E
WangEmg
VerizonCm
Walgr Liof
WsteMine
Weathfint
WellsFargo
Union
Xerox
Yamanag
Gap
GenElec
GenMills
GenMotors
GenOnen
Golderpg
Hallibrun
Hewlettp
HomeDp
HostHods
Hovnané
ishGold
iShBraz
Ishlapn
iShSilver
Ishchina
Ishemkts
Ishrest
Jpmorgch
Kbhome
Keycorp
Oak
Lsicorp
Lvsands
Lowes
Macys
Marathno
Macviigia
Masco
Merck
MetLife
Metropcs
Molycorp
MorgStai
Newmtm
Nexeng
NokiaCp
Pandora
Peabdye
Penney
Petrbraa
Petrobras
Pfizer
Prushs&p
ProvyStrs
PulteGrp
Renrew
SpdrGold
Srpsooetf
SpdrHome
Schimbrg
SprintNex
Sporfac
Sptech
Suntist
SwiftTrans
Usainwy
Uscnfd
Usstee
Alcoa Inc
Coke
Lee Ent
Southwest
All State
Candy
Super Valu
Altria
CVS Corp
Anova
Ameren
Devon
McDonald
US Bane
Apple
Dillard's
App. Mat
Discover
Microsoft Usg
Archer
DuPont
Verizon
Mips Tech
Walgreens
Hughes
Nat
Wal-Mart
Haiti
The
Associated Press
Grain futures rise on CBOT with December wheat soybeans up
Grain futures on the Chicago Board of Trade rose as December wheat gained 18 cents to 8.8150 a bushel, December corn up 16.50 cents to 7.5650, December oats 1.75 cents higher at 3.7575, and November soybeans up 29.50 cents to 16.6950 a bushel.
MENTIONED IN THIS ARTICLE
Chicago
Chicago Board of Trade
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Joe Plemon
Joe
Joeplemon
Hotmail
Southern Illinoisan
Landweaver Financial Planner
Sandi Weaver
Financial Security Advisers
Weaver
Dow Jones Rep
the Associated Press