Why You Should Never Take a 401k Loan

401k loan

Taking a Loan from Your Retirement Plan = Bad Idea Why you should refrain from making this move.  Thinking about borrowing money from your 401(k), 403(b), or 457 account? Think twice about that, because these loans are not only risky but injurious to your retirement planning.  A loan of this kind damages your retirement savings […]

At What Age Should You Retire?

Time to Retire - Clock

You Could Retire…But Should You? It might be better to wait a bit longer.   Some people retire at first opportunity, only to wish they had waited longer. Thanks to Wall Street’s long bull run, many pre-retirees have seen their savings fully recover from the shock of the 2007-09 bear market to the point where […]

Just Start with an IRA

retirement planning

Retirement Planning Can Start with an IRA  These accounts make a good “first step” in retirement saving.  Sooner or later, people decide to start saving and investing for retirement. When that starting point arrives, taking that “first step” can seem like a big deal. Opening an Individual Retirement Account (IRA) amounts to an easy “first […]

Financial Foresight and Disability: Hope for the Best, Be Prepared for the Rest

Financial Foresight and Disability Hope for the Best Be Prepared for the Rest

Guest Post: Written exclusively for Jayperoni.com by Nik Donovic Always Be Prepared Most of us begin our careers wide-eyed and bushy tailed, thirsty to make a positive impact on the world and seemingly ready for anything that comes our way. However, for many Americans, their dreams are altered and can be cut short by unforeseen […]

Blood Moons on Wall Street

Blood Moons Promo

Blood Moons on Wall Street: How to Profit from the Upcoming Financial Crisis   You can buy a copy at Amazon.com CLICK HERE or get an autographed copy CLICK HERE. Here is what I cover in this exciting new book: What are the blood moons? What is the Blood Moon Prophesy? Will the 7-year cycle occur again in […]

5 Best Personal Finance Apps for Budgeting, Investing & More


According to the FINRA Investor Education Foundation’s 2013 report, “Financial Capability in the United States,” 19 percent of Americans spend more money than they earn. The FINRA Foundation’s State-by-State Financial Capability Survey found that 56 percent of Americans don’t have enough money saved for three months of expenses in a financial emergency, and the same […]

Blood Moons on Wall Street Book

Blood Moons Promo

Are You Ready For the Coming Global Financial Collapse? Blood Moons on Wall Street: How to Profit from the Upcoming Financial Crisis ISBN # 9780981802619 The all-new book by Jay Peroni,  Coming April 28, 2015   Reserve your copy now! Recent financial cycles have worked on a seven-year cycle: It started in 1966 with a […]

Why are some people able to save more than others?

building wealth

The Psychology of Saving How many households have the right outlook to build wealth?   Why do some households save more than others? Building household savings may depend not only on cash flow, but also on psychology. With the right outlook, saving becomes a commitment. With a less positive outlook, it becomes a task – […]

Even Happy Couples Need to Talk About Debt – Here’s How


Few couples enter a marriage free of debt. Whether it’s student loans for those in their 20s or an upside-down mortgage for those beyond 40, you simply must disclose these things before tying the knot. Being open and honest about debt won’t derail an engagement or spoil the romance; rather, it will likely prevent a […]

Why Don’t Women Like to Talk About Money?

women and money

Are Women Reluctant to Talk About Money? A new survey says yes. Is it telling the whole story? A new study asserts that women feel uncomfortable discussing financial matters. The latest Money FIT Study from Fidelity Investments is generating some conversation within the financial industry. The investment giant commissioned an online poll of 1,542 female […]