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A Few of Suzi Orman's Financial Tips

Suzi Orman is a best-selling author and Emmy award winning talk show host concerning financial affairs and is one of America's foremost financial expert. At a time when everyone is looking for ways to save money, here are a few tips from the expert herself.

First tip is a way to save money in paying for a child's education in the future. First of all Suzi recommends that parents be sure to have a will, a living revocable trust and a proper life insurance policy in case something should happen while one's child is growing. Suzi mentions that putting the child as the beneficiary is not a good idea, since it will be placed in a blocked account and will not be able to access it until the child reaches eighteen. If a parent is able to set money aside to save for college, an investment in a 529 savings plan is what Suzi recommends. Since a 529 plan makes one eligible for state tax exemptions, exemption from financial aid calculation and is not considered for grant or scholarship opportunities. An account to stay away from is a UGMA account since it will be considered the child's asset and fluctuate financial aid.

Next, is regarding 401K plan investments. Always take full advantage of one's employer's matching contribution, if possible take out the maximum amount available that is matched by the employer. It's free money added to the 401K account, take advantage of it. Also, regarding 401K plans, do not hold on to more than five to ten percent of one's own company's stock, any company could suddenly head south with no notice or cause. Most businesses allow you to sell the company's stock and once you sell it, you can rollover the money into other investments in your 401K.

An excellent tip from Suzi Orman is to pay off credit cards every month to avoid interest fees and late fees. Master the credit card companies by beating them at their own game. If you choose to charge something by credit card, write a check that moment to the credit card company for the amount owed. When the credit card statement comes in, a person will already have it paid.

Suzi states that owning a home would be the best investment of one's life. She says that most homes appreciate approximately four percent a year.

Set up when cash flow is available, a eight to twelve month emergency fund in case things go less than expected.

The biggest mistake that people can make says Suzi Orman is to spend too much and not save enough. Spending money to impress people today will not impress oneself when it is time for retirement and there was nothing put in to the 401K.

To get more tips and advice from the "money lady", Suzi Orman has a number of best-selling books for sale as well as kits to help people financially secure. Another way to catch further tips from Suzi Orman is through her various writing columns or on XM/Sirius satellite radio.