150908 48 Business & Finance Personal Finance General Personal Finance true Tue, 24 Feb 2009 04:06:08 -0800 /system/videos/2/08/09/15/150908.flv business, finance, building, saving, money, retirement, funds, investing, investments How To Build a Nest Egg http://www.howcast.com/videos/150908-How-To-Build-a-Nest-Egg http://www.howcast.com/videos/150908-How-To-Build-a-Nest-Egg/edit approved 138 640 360 <object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=150908"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=150908" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object> 4 bencheek http://img.howcast.com/system/thumbnails/150908/nest_egg_hd_xxlarge_maintained_aspect.jpg 991 false false false 59692 1 22 Step http://img.howcast.com/system/thumbnails/150908/22.jpg Prioritize Decide what a nest egg means to you. A cushion in case you get laid off? Money for a down payment on a home? Determine your goal and how much you’ll need to reach it.

]]> 59693 2 34 Tip If you must choose between funding a retirement account or your child’s college education, many financial planners advise picking the former. Your child can apply for grants and student loans, but you can’t rely on Social Security to be around when you’re ready to collect.

]]> 59694 3 49 Step http://img.howcast.com/system/thumbnails/150908/49.jpg Trim the fat Take a month or two to write down everything you spend, without changing any of your habits. Take a close look at what you spend money on, and figure out what you can cut—or at least scale back.

]]> 59695 4 59 Step http://img.howcast.com/system/thumbnails/150908/59.jpg Open a savings account With the money you save, open a high-interest savings account. Sign up for automatic transfer from checking to savings. Even $10 a week adds up.

]]> 59696 5 70 Step http://img.howcast.com/system/thumbnails/150908/70.jpg Deposit windfalls Put any unexpected money—an inheritance, a work bonus, a government rebate—into your savings account.

]]> 59697 6 78 Tip If you usually get an income-tax refund, adjust your withholdings so that you get more money in your paycheck, and divert that cash to your savings. Otherwise, you’re lending the government your money interest-free for a year.

]]> 59698 7 89 Step http://img.howcast.com/system/thumbnails/150908/89.jpg Invest in something safe Once you’ve saved a few thousand dollars, it’s worth moving your money out of your savings account and into a higher interest-earning but relatively safe investment, like CDs or bonds, available through a bank or broker.

]]> 59699 8 101 Tip When you invest in CDs or bonds, you can only withdraw money at certain pre-determined times. Otherwise you’ll face paying hefty penalties.

]]> 59700 9 110 Step http://img.howcast.com/system/thumbnails/150908/110.jpg Start a retirement account If your company offers a 401(k) plan, join it, and invest the maximum allowed. If not, open an individual retirement account, or IRA, through a bank or broker.

]]> 59701 10 121 Fact If you’re 25 and put $3,600 a year into investments with an 8.5% average return, you’ll have $1,064,457 by age 65.

]]> 48 171776 How To Prepare an Emergency Fund HowcastGuide 1158 Mon, 13 Apr 2009 04:06:09 -0700 4 pscerri ]]> 108 http://media.howcast.com/system/videos/3/76/17/17/171776.flv financing, finance, preparing, saving, money, cash, emergencies, financial, fund, expenses Business & Finance Personal Finance General Personal Finance 2 http://img.howcast.com/system/thumbnails/171776/prepare_emergency_fund_hd_1_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/171776-How-To-Prepare-an-Emergency-Fund 48 212507 How To Check Out a Financial Adviser HowcastGuide 708 Fri, 24 Jul 2009 04:07:34 -0700 3 pscerri ]]> 100 http://media.howcast.com/system/videos/1/07/25/21/212507.flv finance, business, adviser, advisor, financial, madoff, burned, checking, investigating, choosing Business & Finance Personal Finance General Personal Finance 1 http://img.howcast.com/system/thumbnails/212507/check_out_a_financial_adviser_xxlarge_maintained_aspect.jpg 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