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3 weeks ago | 
cnet.com | Dana Francisco Miranda
Managing finances may not be a first-date topic but it's important to establish early on how you both want to approach money. As a married couple, managing money requires even more communication and shared decision-making. These negotiations can potentially be a bit more fraught if you want to maintain financial independence from your spouse. Financial planner Uziel Gomez said many couples he's worked with start out approaching money differently and never decide on a clear plan.
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4 weeks ago | 
cnet.com | Rebecca Safier |Dana Francisco Miranda
If you're one of the eight million student loan borrowers enrolled in the Saving on a Valuable Education (SAVE) plan, you may have seen student loan payments as low as $0. With the SAVE plan officially struck down, you might be worried about how much you'll be required to pay in the future.
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4 weeks ago | 
cnet.com | Rebecca Safier |Dana Francisco Miranda
The Biden administration's Saving on a Valuable Education (SAVE) plan offered relief to millions of federal student loan borrowers. Under this income-driven repayment (IDR) plan, around 8 million borrowers would have seen their monthly payments capped at a portion of their income -- with roughly half of these borrowers owing $0 per month. But with SAVE officially struck down, your monthly payments are likely to increase if you're enrolled in the plan.
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1 month ago | 
thepennyhoarder.com | Dana Francisco Miranda
Dear Penny,Is there an age limit for opening an IRA account? I am 70 years old. If there is no age limit, what are the rules? Thanks. — Late SaverDear Late,Since the passage of the SECURE (Setting Every Community Up for Retirement Enhancement) Act in 2019, there’s no age limit for contributing to an IRA as long as you have earned income. If you have no earned income from wages, salary or self-employment, you can’t contribute to an IRA.
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2 months ago | 
cnet.com | Dana Francisco Miranda
Millions of student loan borrowers like myself haven't made a student loan payment since March 2020. With the end of the Saving on a Valuable Education plan imminent, I'm making adjustments to prepare for a hefty student loan bill. Like many borrowers, my federal student loans were placed into an emergency forbearance during the start of the pandemic in 2020. Before the pause, my monthly student loan payment was around $40.
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2 months ago | 
thepennyhoarder.com | Dana Francisco Miranda
Dear Penny,I am looking to start a business with little new capital. I really need some help and guidance to figure out how to do this and get it moving. I’m 42 years old and have nothing and want to create a legacy for my family. What are some online businesses I can do or side gigs I can turn into a great income. Please help me out. — Aspiring EntrepreneurDear Aspiring,Businesses with some of the lowest startup costs are online services you can offer to other business owners.
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2 months ago | 
businessinsider.com | Avril Ayers |Dana Francisco Miranda |Henry Blodget
MoMo Productions/Getty Images 2025-04-12T12:38:02Z Facebook Email X LinkedIn Copy link Save Saved Read in app This story is available exclusively to Business Insider subscribers. Become an Insider and start reading now. Have an account? . Especially in uncertain financial times, it's important that you have a solid plan for retirement. Saving gets harder over time; your money is more valuable if you start saving it in your 20s.
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2 months ago | 
thepennyhoarder.com | Dana Francisco Miranda
Dear Penny,How can I find the best fiduciary Certified Financial Planner to get us ready for retirement? I just read two articles from The Penny Hoarder on retirement, and we are woefully not ready financially, but I am SO ready mentally and physically! We live in Montgomery County, Maryland. Thanks!— Seeking PlansDear Seeking,Looking for a Certified Financial Planner (CFP) is a great start, because these are a type of advisor with a fiduciary duty to their clients.
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2 months ago | 
cnet.com | Dana Francisco Miranda |Peter Thayer Butler
Money Loans The White House wants to close the federal education agency, but experts say students should fill out the Free Application for Federal Student Aid for next year. Dana Miranda Contributor Dana Miranda is a certified educator in personal finance®, creator of the Healthy Rich newsletter and author of You Don't Need a Budget: Stop Worrying about Debt, Spend without Shame, and Manage Money with Ease.
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2 months ago | 
thepennyhoarder.com | Dana Francisco Miranda
Dear Penny,What do I have to do to make some money using my iPad working at home? — Low-tech nomadDear Low-tech,From your iPad or other tablet, you can do a lot of online, work-from-home jobs that you can do on a desktop or laptop computer. To fully set up shop on your iPad, I recommend getting a connected keyboard with a trackpad, and a stand, so you can use your tablet like a laptop. You’ll probably also want a good pair of bluetooth headphones for calls or meetings on the tablet.
