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by Sarah Li-Cain Vanguard Digital Advisor is the brokerage’s new automated advisor service, combining their low-cost exchange traded funds (ETFs) with some of the services of a traditional financial advisor.Investors can receive a personalized plan to help them reach their retirement goals using varying allocations of Vanguard’s ETFs. Vanguard Digital Advisor is a new offering from the Vanguard Group, a brokerage offering some of the world’s most popular exchanged traded

by Dana Sitar, CEPF®Contributor Axos Bank was one of the first online-only banks. It opened for business on July 4, 2000, as Bank of the Internet USA and grew steadily for nearly two decades before rebranding itself as Axos Bank in 2018. It has a lot of options for checking and just one savings account, plus some solid options for small businesses. But, it’s not perfect and our review of

by Kari Faber Burnout has been a problem since before the pandemic — remember “work hard, play hard”? — but the work-from-home orders made it worse.People were working harder, but with zero work/life balance or space separation and fewer ways to relax and release stress. Burnout was almost inevitable for some.And if you were to quit your job as you bottomed-out mentally, your cash flow would come to a screeching

by Robin Hartill, CFP®Senior EditorRising inflation means higher tax brackets and a larger standard deduction.On Wednesday, the IRS released its 2022 federal income tax rates and brackets. The IRS automatically adjusts tax rates each year to reflect inflation. The breakpoint for each tax bracket will be about 3% higher across the board in 2021. There are seven tax brackets that range from 10% to 37%. You’ll use the 2022 brackets

Real Answers for Life’s Money Challengesby Dear PennyStaff WriterI got married at 19 and divorced in my early 30s. During my 20s, I didn’t work much because I stayed at home raising three kids, but I’ve worked full time ever since my divorce. I’ve never earned above $54,000 a year, which is what I’m making now.I’m turning 62 next year and am preparing to retire and take Social Security. My

by Sarah Li-Cain Charles Schwab’s robo advisor offering Schwab Intelligent Portfolios combines the brokerage’s expertise alongside technology to build portfolios for their investors.You can put your investment dollars to work by allowing the brokerage to build a portfolio based on a combination of their 51 low-cost exchange traded funds (ETFs). After signing up for an Schwab Intelligent Portfolios account, you’ll answer a series of questions designed to understand your investment

by Kari Faber When you’re looking to fill a position or hoping to find a new job for yourself, where you look can be almost as important as what you’re looking for.So depending on what the open position is — or what a qualified candidate looks like — the job board itself should be taken into consideration before the job hunt begins. Looking for your company’s next Director of Marketing?

by Ryan Chang, Adam Hardy Getting paid to write may sound easy, but the reality is a little more complicated. Freelance writing can be hard to break into, and the pay can be low (or nonexistent) for beginners. The trick is to get your first few articles or creative pieces published and then use them to score bigger clients and better pay. And even if long-term freelancing isn’t your goal,

by Timothy MooreContributor When you lease a vehicle, you never really own it — the dealer does. So you might think that you have no equity in the vehicle. But you’d be wrong. In fact, if you are currently leasing a car, even if you are just a year in and have several years to go, you might be able to get out of the lease and walk away with

Real Answers for Life’s Money Challengesby Robin Hartill, CFP®Senior EditorMy husband and I recently bought a house. In the flurry of paperwork, I didn’t realize that he had applied for the loan in his name only until it was all settled. I’m on the title with him, but not the loan.Aside from being mad that he made the decision unilaterally, how mad should I be about the repercussions of this