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Jane Thier

Personal Finance Expert

Jane Thier writes on a variety of personal finance topics for SmartAsset. Her expertise includes banking and mortgage. Jane is currently studying at Washington University in St. Louis and serves as editor-in-chief of Armour Magazine. Jane aims to receive her Master's Degree in Journalism.

Posts by Jane Thier:

by Jane Thier Aug 28, 2018

The state retirement system of Missouri covers the multiple types of employees working on behalf of the state. The Missouri State Employees’ Retirement System (MOSERS) was established in 1957. Under the management of a board of trustees, it currently provides retirement benefits to most state public employees. MOSERS delivers those retirement benefits through pension trust funds. And per its 2017 annual report, MOSERS serves more than 49,000 active employees. In addition, it pays benefits to more than 47,000 benefit recipients. If you would value some extra assistance navigating the complex Missouri retirement system, considering consulting an expert. SmartAsset’s financial advisor matching tool can pair you with financial advisors who will best meet your needs. Read more

by Jane Thier Aug 28, 2018

The state retirement system of Mississippi consists of seven different retirement plans to account for the multiple types of employees working for the state. If you’re new to pensions, and would value some extra assistance navigating the complex system, SmartAsset’s financial advisor matching tool can pair you with financial advisors in your area and your price range, for free. Read more

by Jane Thier Aug 28, 2018

The state retirement system of South Dakota covers the multiple types of employees working on behalf of the state. The South Dakota Retirement System (SDRS) is a cost-sharing, multi-employer retirement system for public employees, and it supports over 200,000 participants. SDRS excels in providing retirement, disability and survivor benefits for state employees and political subdivisions. If you’re new to pensions and would value some extra assistance navigating the complex system, SmartAsset’s financial advisor matching tool can pair you with financial advisors who will best meet your needs. Read more

by Jane Thier Aug 24, 2018

The state retirement system of Maryland consists of seven different retirement plans to cover the multiple types of state employees. Before we dive deep into the intricacies of each system, take the… Read more

by Jane Thier Aug 24, 2018

The state retirement system of Indiana comprises several different retirement plans to cover the wide range of public employees working on behalf of the state. As pension systems can be complex, you… Read more

by Jane Thier Aug 14, 2018

Perpetuity, in general, means “eternity.” And in finance, that concept of an everlasting state applies. A perpetuity describes a constant stream of cash with no end. But what is a perpetuity in more… Read more

by Jane Thier Aug 09, 2018

Contributing to your 401(k), especially if your company offers a match, is a no-brainer. After all, you want to be as prepared as possible for retirement. The good news is that the 401(k)… Read more

by Jane Thier Aug 08, 2018

If you’re looking to get ahead on planning for retirement, you’re likely familiar with individual retirement accounts, or IRAs. An IRA is a tax-advantaged vehicle that helps you grow your retirement… Read more

by Jane Thier Aug 03, 2018

When you take out a mortgage and have a down payment of less than 20% of the home’s value, you typically have to pay private mortgage insurance (PMI). But if you’re securing a Federal Housing… Read more

by Jane Thier Aug 02, 2018

When you’re filing your taxes, there’s a whole lot to consider. From figuring out who counts as a dependent to organizing your income streams, you may find the process a bit overwhelming. And if you… Read more

by Jane Thier Sep 05, 2018

When it comes to accounting, you may get easily confused amid the sea of acronyms. But a solid understanding of certain accreditations is key if you’re looking for a licensed tax professional to… Read more

by Jane Thier Jul 27, 2018

When you take on a mortgage loan, you may be so laser-focused on reducing your debt load that you get overeager and make payments ahead of schedule. But your exuberance and diligence can actually… Read more

by Jane Thier Jul 20, 2018

If you’re looking for the best bank account to meet your needs, Bank of America, Wells Fargo and JPMorgan Chase are all going to be excellent options. But how are you supposed to pick a winner? We… Read more

by Jane Thier Jul 18, 2018

Picking the right bank to work with is an integral part of managing your financial life. Two of the largest banks in the country, U.S. Bank and Bank of America, are both excellent options if you… Read more

by Jane Thier Jul 17, 2018

When it comes to owning a home, shouldering the burden of a hefty down payment and paying off your mortgage over many years can be daunting. For that reason, it would be pretty hard to turn down a… Read more

by Jane Thier Jul 16, 2018

If you’re looking to build your dream house or tackle a renovation, you may want to secure a construction loan. This describes a sum of money you receive to help finance your building costs. But… Read more

by Jane Thier Jul 13, 2018

Wells Fargo and U.S. Bancorp, better known as U.S. Bank, are ranked third and seventh as biggest banks in America, so if you’re looking for prestige and confidence in opening a reliable checking… Read more

by Jane Thier Jul 05, 2018

When it comes to choosing a bank, TD Bank and Wells Fargo are two excellent picks. Both boast competitive benefits and accessibility. But before you choose to open a checking account or savings… Read more

by Jane Thier Jul 03, 2018

When you’re securing a loan for a particularly expensive house, a regular mortgage may not suffice. If what you borrow exceeds a certain amount, you may need to get a jumbo loan. Jumbo loan limits… Read more

by Jane Thier Jun 28, 2018

Typically when you buy a home and can’t afford to pay the full price up front, you get a mortgage. You make a down payment first, and then you’ll make loan payments every month over a number of years… Read more

by Jane Thier Jun 27, 2018

JPMorgan Chase is the largest and most powerful bank in America, holding nearly $3 trillion in assets. Its unlikely competitor, U.S. Bancorp, takes seventh place. But bigger doesn’t always mean… Read more

by Jane Thier Jun 21, 2018

Finding the best bank in America to fit your specific needs is crucial for building a solid foundation in your financial life. But with dozens of different banks operating in the U.S., how can you… Read more

by Jane Thier Sep 06, 2018

Buying a home is no small decision, but when it comes to building a home, the stakes are even higher. Between finding the right contracting company and figuring out your mortgage payments, building… Read more

by Jane Thier Sep 05, 2018

After you accept a job offer, your new employer will ask you to fill out a W-4 form. These two-page, fill-in-the-blank style contracts are not nearly as daunting as they may look. In fact, when you… Read more