Personal Finance

Negotiating a job offer can be daunting. It may also be worth it. The majority of employers (52 percent) typically offer candidates salaries below what they’re willing to ultimately pay so there’s room to negotiate, according to CareerBuilder’s latest survey, which polled more than 4,600 full-time employers and 3,450 U.S. workers between May and September.
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Investors should examine their portfolios closely for gains, particularly with the S&P 500 on a record streak. That includes taxable investments such as mutual or index funds, according to Michael Krol, head of wealth advisors, planning and business development at Waldron Private Wealth, a wealth management firm in Bridgeville, Pennsylvania. “What happens is everybody is
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Americans, in general, are putting a greater emphasis on savings. For millennials, in particular, it’s a way of life. The majority, or 60 percent, of 18-to-36-year-olds who have reeled in their spending, did so in order to save more money, according to a Bankrate.com report released Tuesday. That’s in contrast to previous years, when stagnant
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Retirees who want to know how much their Social Security cost-of-living adjustment will change their benefits should check their online statements come December. The Social Security Administration unveiled its cost-of-living adjustment, or COLA, for 2018 earlier this month. The 2 percent increase for next year marks a significant jump over last year, which was just
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Private-sector employees offered retirement savings plans to about 63 percent of working-age people in 1999. By 2016, that had only inched up to 66 percent, the report said. In 2015, defined-contribution plans such as 401(k)s, along with individual retirement accounts, held about $12.6 trillion in assets, compared with the $2.9 trillion in traditional pensions, which
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“There’s a vision that if you’re a successful freelancer, you’ll be sitting on a glorious beach somewhere, drinking margaritas, making millions of dollars,” Maplesden said. “But you can’t escape work.” It took him a few years to start making six figures. Many of his first efforts, such as selling poetry online, failed. “You need to
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