As the name suggests, a Roth 401(k) combines features of the traditional 401(k) with those of the Roth IRA. It’s offered by employers like a regular 401(k) plan, but as with a Roth IRA, contributions are made with after-tax dollars. While you don’t get an upfront tax-deduction, the account grows tax-free, and withdrawals taken during retirement aren’t subject to income tax, provided you’re at least 59 1/2 and you’ve held the account for five years or more.
The Roth 401(k) can offer advantages to high-income individuals who haven’t been able to contribute …

Most student loans fall under either being subsidized or unsubsidized. Like any debt instrument, you will be charged interest for the amount of debt you have outstanding. On Stafford Loans, the most common among Ameican Universities, the interest rate is 6%. The difference between subsidized and unsubsidized loans is that unsubsidized loans start charging you interest from the moment you receive the loan, and is added to the loan amount if not paid.
For example, you receive a student loan on Sept. 1st for $10,000 with a 6% interest rate. You will have …

You may not have checked your credit score lately, but there’s a good chance someone else has.  If you have applied for a mortgage or a loan — or even received a credit card offer in the mail — someone accessed that three-digit number to help determine the amount you can borrow and the interest you’ll owe on it.
So what goes into this all-important score? And how can you make sure you’ve got a good one?
The term credit score usually refers to your FICO score, a number based on a …

Introduction to Dropshipping
Welcome to Joe Money’s “Drop Ship Crash Course” written by dropshipping and affiliate marketing guru Ryan Moran.  In these short lessons, we’ll cover the essentials to drop shipping on the internet, which is a major strategy that many use to make money on eBay and from their own e-commerce stores.
Drop shipping is a topic that one can spend months studying, so this course will only begin to scratch the surface of the drop shipping industry. However, it will help you get an understanding of how the process works …

Talk is cheap — at least, it is until the phone bills arrive.
On average, consumers shell out a little more than $1,300 a year for phone services (roughly $70 a month for wireless plans and $40 a month for a landline), according to Nielsen, a market researcher. And while many phone customers have grown accustomed to paying such sums, they could easily be paying half as much — without affecting their ability to stay in touch.
“We are a society of over-phoned,” says Sam Simon, chairman of the Telecommunications Research and …