Personal Finance

Personal Capital is an online financial advisor and personal wealth management company headquartered in Redwood City, California with offices in San Francisco, CA, Denver, CO, Dallas, TX and Atlanta, GA.
  • The Key to Saving More Money Is Easier Than You Think
    The Motley Fool

    The Key to Saving More Money Is Easier Than You Think

    Why planning is the key to your financial future How to create a successful financial plan Also, don't forget about how Social Security benefits will impact your retirement savings. By creating a my Social Security account, you can get an estimate of what you'll receive in benefits based on your current earnings. While your benefits alone probably won't be enough to cover all your expenses in retirement, they can certainly help some -- and the more you know about how much you're set to receive in benefits, the more accurate your financial plan will be. If you're like most Americans, you're a few years (or more) behind on your retirement savings. But a handful of little-known "Social Security

  • Oran Hall | Following the crowd and other ways investors get it wrong
    Jamaica Gleaner

    Oran Hall | Following the crowd and other ways investors get it wrong

    Even the best investors don't always get it right. It is human to err indeed. Investors make many kinds of mistakes, and there are various reasons they do. A common one is focusing on the short term. Although their goals may be long-term, they pay far too much attention to short-term market fluctuations. Others are impatient because they want quick returns. It is more productive to focus on the long term and pay less attention to short-term fluctuations as most investments tend to eventually do reasonably well over the long term. Following the crowd is another mistake investors make. This tendency to do what everybody else is doing may cause them to buy when prices are rising and sell when they

  • Morningstar Community

    Re: What happened to stock style for mutual funds

    I used to be able to check the percentage in each style box for mutual funds.  For example LCEAX was 50% for Large Value, 13% for mid value, 1% for small value, etc. at 3/31/19.  I was able to check this in the portfolio tab. I can not find this feature in the new morningstar website.  Where can I find this? I sure hope it is still available because it was a very valuable feature.

  • Go direct to beat Monzo savings
    www.thetimes.co.uk

    Go direct to beat Monzo savings

    Digital bank Monzo has added two new savings accounts — but if savers go direct to the companies offering the deals they will get a better rate. Last week, Monzo began offering customers an easy-access account from Paragon, paying 1.15%, and a one-year fixed rate from Charter Savings Bank at 1.81%. Go straight to Paragon, however, and you'd receive 1.25% on the same account. Charter doesn't offer a one-year deal straight to customers, but it does pay 2.05% on an 18-month bond. Monzo is one of a clutch of “challenger” banks that have promised to shake up the high-street giants with swish technology and apps that allow customers to see what they are spending, and to sign up in a matter of minutes.

  • United Explorer Business card review: Generous airline perks for a $95 annual fee
    Business Insider

    United Explorer Business card review: Generous airline perks for a $95 annual fee

    If you're in the market for a big credit card sign-up bonus, the United Explorer Business Card might pique your interest. The card has doubled its sign-up bonus to up to 100,000 bonus miles. The trade-off is that the $95 annual fee is no longer waived the first year, which is a small price to pay for the opportunity to earn an additional 50,000 miles. If you can swing the large spending requirement, this card could be worth picking up. Below are the details of the bonus and how you might benefit from applying for this card. Keep in mind that we're focusing on the rewards and perks that make these credit cards great options, not things like interest rates and late fees, which can far outweigh

  • Make the most of your precious time
    USA TODAY

    Make the most of your precious time

    Make the most of your precious resource by treating it like currency.

  • Customers still charged fees after Wells Fargo closed their accounts
    Minneapolis-St. Paul Star Tribune

    Customers still charged fees after Wells Fargo closed their accounts

    Xavier Einaudi did not want to wait for Wells Fargo to send him a check. The bank informed Einaudi that it was closing all 13 of the checking accounts it provided his roofing company, CRV Construction, for a reason it called “confidential.” The letter said the accounts would be closed on June 27, and he would be mailed a check for the balance in his accounts. Einaudi went to his branch and collected the money, so he did not have to wait for a check to arrive in the mail. But the accounts did not close on the preset date. For weeks after the date the bank said the accounts would be closed, it kept some of them active. Payments to his insurer, to Google for online advertising and to a provider

  • If You Pay for Netflix or Hulu Through iTunes, You Could Be Saving 15 Percent Each Month
    Mental Floss

    If You Pay for Netflix or Hulu Through iTunes, You Could Be Saving 15 Percent Each Month

    For prices ranging from $8.99 to $15.99 a month, streaming services like Netflix offer some of the best value in entertainment. But a growing number of platforms—including Amazon Prime, Hulu, and forthcoming services from Disney and Apple—means that viewers might be looking to cut costs. Fortunately, there's a way to do that that requires only minimal effort. Is there a catch? Naturally. We'll explain. In a post for MoneyTalksNews, writer Donna Freedman points out that warehouse chains like Costco offer gift cards for iTunes at a 15 percent discount. A $100 card might cost just $85, for example. You can then use the card to pay for your Netflix or Hulu subscription if you currently pay for the

  • Morningstar Community

    Re: M* Article on Minimum-Volatility ETFs

    Thanks yogibearbull. I dont know how you do it, but you always find some pertinent information to share. Made interesting reading. I have been gradually dipping into USMV, but found it interesting that vanguard has a version VFMV. It has a very short history so hard to say if it will have similar results to USMV (PV results below with the global OEF also), but an interesting option and particularly helpful for those with vanguard brokerage. While Vanguard does not charge a fee for USMV any longer, still this adds to the 'vanguard funds' for those who either prefer it or want to bump their portfolio to avail of the flagship etc benefits. Thanks P.s I was following (a few posts ) in the old socialize

  • ETF Trends

    The Known, the Unknown, and Knowing the Difference

    In a few days’ time, investors went from breathing a sigh of relief that the Federal Reserve had cut rates to holding their breath because of the rapid re-escalation of trade fears and slowing economic data. In these moments, following our investment processes and controlling the variables that we can control are most critical. On average, the results have been better than the lowered expectations, which is how earnings season for the first quarter played out.

  • First Direct to scrap monthly fees for thousands of customers
    Daily Mirror

    First Direct to scrap monthly fees for thousands of customers

    First Direct has announced plans to scrap the monthly fee on its 1st Account as part of a string of new changes from next month. The bank said it will be removing the £10 charge for all customers on 14 September 2019. At present, the bank charges a monthly fee on the account after you've had it for six months. However customers can avoid this fee by either a) paying in a minimum of £1,000 a month b) maintaining a monthly balance of £1,000 or c) having a savings, mortgage, credit card, loan or home insurance account with First Direct. But from next month, the fee will be waived for everyone - including existing customers regardless of whether you adhere to the above terms. First Direct said the

  • 3 Tricks Billionaires Use to Make Their Money Work for Them
    Motley Fool

    3 Tricks Billionaires Use to Make Their Money Work for Them

    Earning a lot of money isn't the only key to becoming wealthy. You also have to manage your funds wisely.

  • 4 Best Mutual Funds for Retirement
    Zacks

    4 Best Mutual Funds for Retirement

    It goes without saying that lower the risk near retirement, the better it is.

  • Zacks Value Trader Highlights: GLD, VNQ, PVH, G-III Apparel and Goodyear Tire & Rubber Company
    Zacks

    Zacks Value Trader Highlights: GLD, VNQ, PVH, G-III Apparel and Goodyear Tire & Rubber Company

    Zacks Value Trader Highlights: GLD, VNQ, PVH, G-III Apparel and Goodyear Tire & Rubber Company

  • The Truth About Market Timing - August 16, 2019
    Zacks

    The Truth About Market Timing - August 16, 2019

    Is the ability to time the markets more of a data-driven science or a 'gut - feeling' art?