# Finances

## Children and Money: Tips for Teaching Your Kids about Financial Responsibility

How do you teach kids the value of a dollar? With so many temptations, it is hard to keep kids from developing poor spending habits. However, some tools and tips can help, including mobile apps that teach kids to save more than they spend and make taking fiduciary responsibility seriously.

## Assessing the Cost of Stocks using the Gordon Model

Should you invest in a particular stock? You can use the Gordon Model to determine the current and potential future returns for a particular stock based on previous dividends. This article will show you how!

## How to Create a Personal Budget for Managing Finances

Have you established your personal budget yet? Do you know if you are spending more than you are making each month? Read on to learn how to create and manage your personal financial budget.

## How to Construct A Savings Plan

In the final part of a series on managing personal finances, we discuss how to create a savings plan that will help you eliminate debt, create an emergency fund and plan for the future.

## Ways to Save Money in Your Budget

This second article in a three part series will focus on helping you tweak your budget to maximize your savings. In the first article we looked at the basics of creating and managing a budget. The next article will focus on putting your savings to good use.

## Is Bitcoin the Future of Gaming and Gambling?

The internet is developing its own money independent of borders, banks and regulation. How will this affect how we play?

## Calculating a Bond’s Maximum Theoretical Value: The Formula With an Example

Traditional bonds offer simple-interest coupon payments over the course of a defined maturity period. When the bond finally matures, the bond’s par value is paid along with the last coupon payment.

## Microsoft Excel Functions Used for Calculating Monthly Loan Payments

If you’re one of the rare financially-minded breeds, you likely keep an obsessively watchful eye on your finances. In terms of a monthly car or house payment that means not being content knowing only your monthly payment and term length, but also how to calculate those figures yourself.

## How to Calculate the Interest & Principal Portions of a Monthly Installment Loan Using Excel

When you make a series of monthly payments to pay back a car or home loan, a portion of the payment goes to interest and a portion pays down the principal balance.

## Determining the Most Expensive Car or House You Can Afford Based on Your Monthly Budget

Imagine this scenario: You embark on the search for your ideal car or home. Upon finding it, you excitedly go through negotiations and financing only to discover the monthly payments are well beyond your reach.

## Health Insurance Alternatives: What Is a Health Care Sharing Ministry or HCSM?

Health sharing plans or health care sharing ministries (HCSM) allow members to obtain medical care without participating in a high overhead health insurance plan. Do plans like these really work and what do you need to be aware of when considering a HCSM? Read on to find out.

## Tips for Finding and Buying a Home in a Different State

Buying a house is a huge undertaking to begin with, but buying a house in a different state presents unique challenges. Here are some helpful tips on how to house hunt out of state.

## An Explanation of Common Health Insurance Terms

Whether you have a great employee sponsored health plan or have signed up for the Affordable Care Act (aka Obamacare), you’ve likely run into a lot of mysterious terms that insurance companies like to throw around. This guide will shed some light on some of the more common insurance terms.

## How to Read an Explanation of Benefits (EOB)

An Explanation of Benefits or EOB is a document you’ll receive from your health insurance provider after processing a claim on your behalf. It is not a bill. Here we’ll walk you through a sample EOB.

## Affording Your High Deductible Health Care Plan: Tips to Help Make It Work

Many employers are moving to high deductible health insurance plans to save on costs. What is the best way for a consumer to manage a high deductible plan and get the most bang for the buck? Read on to discover some tips on making the most of your health plan.

## Finances and Downsizing: Could a Tiny Home Be the Right Investment for You?

The tiny house movement is sweeping the nation. Tiny homes are as small as 100 square feet and can be an ideal solution for someone choosing a minimalist lifestyle who wants to save money while living in an area that has a high cost of living. But are they a good investment?

## Retirement Planning: Should You Work After Retirement? Will You Be Forced to Keep a Job?

Many Americans have not saved enough for retirement, or their savings have been hurt by the recent recession. Many more simply are not ready to quit working. What do you plan on doing in retirement? What will you be able to do? Is retirement as we know it changing?

## E-Cigarettes & Life Insurance: FAQ

Not all insurance policies are the same, including in the way they view users of e-cigarettes. Get some answers to your questions here.

## 6 Steps to Take Care of Your Spouse When You Die

No one likes to think about the end of their life, but it can be easier to manage if you know that your spouse will be taken care of when you pass on. There are six steps you can take to ensure that your spouse has all the tools they need to manage their finances.

## Should You Buy a Home or Continue Renting? Analyzing the Financial Payoff

My husband and I have been renting for 2 years now, and as we’ve been contemplating buying a home, we’ve realized it’s not so cut and dry. Renting may feel like throwing money down the drain, but buying a home is a big investment that doesn’t always pay off in all circumstances.