Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

 

Smart Charitable Gifting Strategies

 

You’ve worked hard for your money and invested it wisely by following time-tested practices such as diversification and dollar-cost averaging. At some point, you may decide that you want to “share the wealth” with others by making charitable gifts. Large donations to charities often take place during the final months of each year so donors can receive income tax deductions if they are able …

Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

30 Year-End Financial Improvement Tips

The final month of the year is a great time to review your personal finances. As the year winds down, take the time to review your financial progress and develop action plans for year-end tax savings and to achieve future financial goals and overall financial security.  Below are 30 suggested strategies to improve your finances:

Set Specific Financial Goals– Determine what you …

Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

Investing Lessons from American Pharoah

In October 2015, American Pharoah (AP) became the first horse ever to win the “Grand Slam” of thoroughbred horse racing: the Triple Crown (Kentucky Derby, Preakness, and Belmont Stakes) and Breeder’s Cup Classic. AP’s story is a positive antidote to negative reports about random shooters, terrorism, and politics and a great subject for a future movie. Just like Seabiscuit in 1938-1940, there was …

Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

Just Do a Few Key Things Right

Personal finance does not have to be complicated. Rather, most people can manage their finances quite well by doing just a few key things right.  Below are ten suggestions to improve your personal finances:

 

1. Spend Less Than You Earn– The only way to save and invest is to have money left over after expenses. Shop around for bargains (e.g., online

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Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

Tips for Beginning Investors

Every year, some people start to invest for the very first time.  Many investment “newbies” are young adults who have recently landed their first full-time job and enrolled in a tax-deferred 401(k) or 403(b) employer retirement savings plan. Others are older adults who have accumulated (or inherited) a lump sum of money. Below are eight tips for successful investing:

 

• Develop an “Investor’s Mindset”- When

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