Top Stories Money
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Saving for retirement seems overwhelming, and a big part of that is that it’s just so much money. For example, if you’re 40, you’re supposed to have twice your annual salary saved. If you’re starting late, that might seem impossible. Like all goals, it helps to start small, and NerdWallet’s new retirement calculator helps you do just that.
Money is a tool that’s meant to be used, but you want to use it wisely. Sometimes it makes sense to spend it, and sometimes spending isn’t worth it. Financial expert Carl Richards suggests you consider three factors in deciding if something is worth buying.
If managing money were as easy as crunching some numbers and following a spending plan, we’d all be awesome at it. Money isn’t hard because of the maths, it’s the psychology that trips us up. Our brains often work against us when it comes to financial decisions, but if you recognise these cognitive biases, you can overcome them.
I’ve been a fan of ASUS’ ZenBook series since the UX32VD, which packed not only a good CPU and discrete GPU (in the form of the 620M), but had upgradeable RAM and hard drive. The UX31A and its ilk was more questionable with its proprietary and failure-prone SSDs, but ASUS seems to have learnt its lesson there. But let’s focus on what we have today — the UX303UB, which comes with a 2.5GHz i7, 940M GPU, 8GB RAM and a 256GB SSD — all for less than $1300.
The Australians are becoming a savvy bunch. In 2016 the mortgage refinance market is expected to grow 30% compared to 2015. Consumer’s willingness to put loyalty on the back burner have resulted in some fierce competition among the banks, credit unions, and mutual banks. Here are three simple hacks you should consider when looking to refinance.’