Personal Finance Articles

  1. 5 Costs Associated With Renting An Apartment

    What to expect when you, too, move into your first apartment some day (better start saving money now).
  2. 51 Best Labor Day 2014 Deals, Discounts and Freebies

    Labor Day is coming up this weekend, and with it will come Labor Day sales, deals and freebies.
  3. 4 Ways To Value A Real Estate Rental Property

    Learning these concepts is the first step in getting into the real estate investment game.
  4. Start Saving With A Roth 401(k)

    Here are the steps to take if you want to choose – and make the most of – a Roth 401(k) as you save for retirement.
  5. Ridiculous Ideas That Made People Millions

    These wacky inventions didn't look like the money machines they became for their creators.
  6. Peak Oil: What To Do When The Wells Run Dry

    Find out how to invest and protect your investments in this slippery sector.
  7. Rules For Having A Health Savings Account (HSA)

    Do you qualify? What does it cover? How to see if it makes sense to sign up for a High-Deductible Health Plan with a Health Savings Account.
  8. The Path To Becoming A CEO

    Think you have what it takes to be chief executive? Find out what those at the top have in common.
  9. How Advisors Can Fill The Talent Gap

    Financial planning firms are seeing increased demand for their services just as a talent shortfall becomes more pronounced. Here's what can be done.
  10. What Is Sallie Mae And How Does It Work?

    Sallie Mae is the only game in town for some would-be college students seeking loans, so it's not surprising that it's got huge growth ambitions.
  11. Eligible For Social Security And A Pension? Lucky! (Or Confused)

    Two critical rules for Americans whose work history qualifies them for both Social Security retirement benefits and a government pension.
  12. Managing A 529 Plan Based On College Expectations

    529 Plans are a popular way to save for college. Here's how to be strategic about how to fund them, depending on your children and their expectations.
  13. Companies That Succeeded With Bootstrapping

    Bootstrapping is likely to be part of the history of nearly every successful company. Here are a few success stories.
  14. The Power Of Branding

    It's the ultimate economic moat, and we look at the approaches and effects of good and bad branding.
  15. How To Cash In On Credit Cards

    How can an investor cash in on rising credit card use? There isn't an ETF yet, so let's look at the companies themselves.
  16. A Smart Approach to Student Credit Cards

    Student credit cards are a compelling alternative for young borrowers. But be sure to look at annual fees and long-term interest rates before applying.
  17. 5 Tips For Recession House Hunters

    Follow these five tips to get a leg up on rival bargain hunters.
  18. 6 Good Reasons To Get Renter's Insurance

    If you rent, you still need insurance for personal property and if anyone is injured at your place. The good news: It also covers losses when you travel.
  19. Getting A Secured Credit Card

    Because these cards target consumers with difficulty getting credit, be extra careful to avoid predatory lenders when you shop for a secured credit card.
  20. Why It’s So Hard to Get Small Mortgage Loans

    Finding a lender to provide a mortgage loan for less than $50,000: It's a challenge faced by a surprising number of people, and one that's often tough to solve.
  21. Top Reasons To Apply For An FHA Loan

    When is it a good idea to apply for a Federal Housing Administration loan?
  22. Filling Out The W-9 Form

    Freelancers and independent contractors have to give a W-9 to their clients – and you might need to provide one for other transactions. Here's what to do.
  23. The Purpose Of The W-9 Form

    The W-9 form provides key data your clients need if you're an independent contractor. Just be sure you're not really an employee who should fill out a W-4.
  24. Measuring The Benefits Of Home Ownership

    Price appreciation is the biggest factor, but it's not the only thing to consider.
  25. 5 Mistakes That Make House Flipping A Flop

    If you're just looking to get rich quick, you could end up in the poorhouse.
  26. Start Building Solid Credit At A Young Age

    These days, credit scores can affect everything from loan terms to your job search. That's why you should establish a credit card record at a young age.
  27. Last-Minute Strategies To Help Pay For College

    Find out what to do when your kid is ready for higher education, but you aren't.
  28. How To Appeal Your IRS Audit

    The auditor's review isn't always the last word. Many taxpayers who are audited can successfully appeal their audits and save thousands of dollars.
  29. Financial Advisors Need To Seek Out This Group NOW

    Millennials are coming into their own economically, so why are financial advisors still reluctant to give them the attention they deserve?
  30. Mortgages: Fixed-Rate Versus Adjustable-Rate

    Both of these have advantages and disadvantages depending on your financial needs and prospects.
  31. The Truth About Real Estate Prices

    Historical housing price data suggests ongoing increases in housing prices, but these numbers don't tell the whole truth.
  32. Are You An Entrepreneur?

    Many people want to start a business, but not everyone has what it takes to succeed.
  33. Cheap Car Insurance For College Students

    6 ways to get the best car insurance quotes during those years when insurance companies rate you as a high-risk customer.
  34. The Purpose Of 1099 Forms

    The need for 1099 forms and why you must track the income reported on them. If you don't, the IRS will find it anyway and go after you – a costly mistake.
  35. Filling Out 1099 Forms

    There are many different 1099 forms for different types of non-employee compensation. We explain the differences among them, with tips on filling one out.
  36. 5 Signs You Have No Money Management Skills

    If you’re worried about your money management skills, the tips below might help you figure out what you’re doing wrong and how to fix it.
  37. Online Banks: Lower Costs And Little Sacrifice

    For many, online banking has become a day-to-day routine. Still, there are some holdouts who refuse to accept the method.
  38. 1 in 5 Americans Are Working This Labor Day 2014

    Labor Day is supposed to offer beleaguered workers a day of reprieve from the daily grind. However, not everyone gets to enjoy a day off the job.
  39. How The IRS Became So Essential (And So Loathed)

    Even the most enlightened citizen curses taxes, possibly while simultaneously acknowledging that they're the price of a civilized society.
  40. A Primer On Preferred Stocks

    Offering both income and relative security, these uncommon shares may work for you.
  41. Winklevoss Interview: Bitcoin Payment System Worth $400 Billion

    The bull case for Bitcoin is often expressed as an estimate of the future value of all Bitcoins in circulation once it reaches its potential. The most widely known estimate of its intrinsic value is $400 billion made last November by the Winklevoss twins Cameron and Tyler at the "New York Times" Dealbook Conference.
  42. Debunking the 80% Income Replacement Rule

    Take a look at the 80% rule, it suggests that pre-retirees create a savings plan that will replace 80% of their income when they retire.
  43. How Banks Set Interest Rates On Your Loans

    On the face of it, figuring out how a bank makes money is a pretty straightforward affair. A bank earns a spread on the money it lends out from the money it takes in as a deposit. The net interest margin (NIM), which most banks report quarterly, represents this spread, which is simply the difference between what it earns on loans versus what it pays out as interest on deposits.
  44. Why Some Kids Never Leave The Nest

    Giving your children a free ride can be costly for both of you.
  45. Unexpected Challenges For Self-Employed Finance Professionals

    Going solo in financial services can present a host of unexpected challenges.
  46. Top Student Loan Providers

    Many banks and institutions offer student loans, but some offer better deals than others. Read this list of top student loan providers before you borrow.
  47. Discounts & Coupons You're Missing

    Are you missing out on discounts for medical, entertainment and clothing costs?
  48. An Analysis Of Social Security Benefits And Their Future

    Social Security is a significant driver of the US economy--as good a reason as any to make sure you understand it!
  49. Get the Best Savings Interest Rates For You

    How do you choose between market deposit accounts, CDs and traditional savings accounts?
  50. Cut Your Tax Bill With Donor-Advised Funds

    Beat the tax man come April 15 by investing in a charity-friendly fund.
  51. Using The Social Security Website To Get Answers

    The Social Security website is full of useful information. To save you time, here's a guide – and links – to finding answers to the most common questions.
  52. Time To Consolidate Your Student Loans?

    Use these strategies to decide whether consolidating your student loans makes sense for you – and what to do next if it does.
  53. Top Job Search Mistakes For Finance Grads

    Looking to land your dream job? Skip the entry-level position by avoiding these common errors.
  54. An Introduction To The CMA Designation

    Learn what the Certified Management Accountant designation is, how to get it and what it can do for your accounting career.
  55. How the Cost of Living Affects Your Income

    Do you know all the ways cost of living increases can affect your income?
  56. How Cash Value Builds In A Life Insurance Policy

    If you have permanent life insurance, more of your insurance premium goes to cash value in the early years of your policy: a step-by-step guide.
  57. 6 Ways To Capture The Cash Value In Life Insurance

    If you die with cash value left in your life insurance policy, the money goes to the insurance company – not to your beneficiaries. Here's what to do instead.
  58. A Look At Berkshire Hathaway's Many Components

    Berkshire Hathaway has 59 wholly owned subsidiaries and owns big stakes in several huge companies. Just how do those pieces fit together?
  59. The Best Places To Exchange Currency

    Unexpected fees for changing currency can blow your foreign-travel budget. Follow these strategies to avoid them as much as possible.
  60. Turn Your Passion Into A Profitable Side Business

    Thinking about starting a business? Here's the first step to making a profit from a field you're passionate about.
  61. Credit Cards For People With Bad Credit

    Yes, you can get a credit card and start repairing your credit history. But brace yourself for low credit limits, sky-high interest and staggering fees.
  62. 5 Things You Shouldn't Do During A Recession

    These tips can help you avoid financial risk, and are especially important during an economic slowdown.
  63. Banker Or Broker: Which Career Is Right For You?

    Bankers and stock brokers may share similar traits, but there are many differences between the two professions.
  64. Always Bet On Berkshire Hathaway (And Here's Why)

    With its share price at an all-time high amid talk of a stock market correction, why would anyone buy Berkshire Hathaway shares?
  65. Know Cost Of Living B4 Taking A Relocation Package

    Is that promotion or new job worth taking? Before accepting the salary and relocation package, calculate what it really costs to live in that new area.
  66. Top 5 Books For Young Investors

    Reading these respected tomes will help you begin your journey into investing on the right foot.
  67. FICO Credit Score Changes – Will Yours Go Up?

    Your FICO score could rise due to a new way of scoring some debts – which could make you eligible for a lower interest rate on credit cards or loans.
  68. Mortgage Rates To Rise, But When And By How Much?

    Mortgage rates have been at historical lows since 2008 following the financial crisis. They're expected to rise, but when and by how much?
  69. Types Of Social Security Benefits

    Social Security isn't just for the retired. It also pays benefits to the disabled, widows and widowers, children, stepchildren, divorced spouses and more.
  70. 3 Ways to Get Social Security Benefits

    Social Security isn't just for retirement. Learn about all three benefits provided by the Social Security Administration: retirement, survivor and disability.
  71. Understanding The Social Security Website

    Go to ssa.gov for all things Social Security. To comply with the Plain Writing Act of 2010, its information was rewritten to make it easier to understand.
  72. Secured Credit Cards

    They're not just for people with a poor credit score. Secured cards also help students and internationals with no U.S. credit history establish credit.
  73. Passing Boomers Will Leave A Big Economic Wake

    While baby boomers keep the longevity economy surging, look out for a dark fiscal forecast when it comes to retirement planning and long term medical care.
  74. Improve Your Karma With Microlending

    Not all businesses are self-sustaining - many rely on microlending in order to survive.
  75. A Day Without Spending, A Lifetime's Worth Of Lessons

    Financial guru Suze Orman once challenged her fans to go a day without spending any money. Here are the lessons learned from this exercise.
  76. Why You’re Not Helping Your Credit Score by Getting a Co-Signer

    The dangers of co-signed loans are plentiful for those signing on as the well-established borrower with good credit. However, co-signed loans can get just as sticky for primary borrowers down the line.
  77. Forecasting Mortgage Rates: Buy, Sell Or Refi?

    If you're paying off a mortgage or plan to buy a home, chances are you pay attention to where mortgage rates are heading. Consider these scenarios.
  78. 5 Financial Lessons You Must Teach Your Kids

    Teach your kids the relationship between work, money and achieving financial goals with these five simple lessons.
  79. What's the Cheapest Airfare Really?

    By the time you add in all the extra fees, that supposedly discount airfare might not be your best bet. Here's how to know before you go.
  80. Debt Consolidation: When It Helps, When It Doesn't

    Here's the smart way to use a debt consolidation to get your financial life back on track
  81. How To Reduce Holiday Debt

    Holiday expenses can drown you in debt. Find out how to avoid this festive spending hangover.
  82. How To Work In Financial Communications

    The surest way to develop a career in financial communications is to blend together the right mix of talent, education, persistence and hard work.
  83. When, Why And How To File A Complaint With The CFPB

    When the employees you interact with at your bank, credit card company, mortgage lender or other financial institution seem incapable of or unwilling to resolve your complaint, the Consumer Financial Protection Bureau's process may help you get a better result.
  84. Leasing to Section 8 Tenants?

    Real estate investors and landlords: It's worthwhile to investigate the section 8 market. Learn about the pros and cons of leasing to section 8 tenants.
  85. How Inflation Affects Your Cost of Living

    How will your wallet be impacted by inflation?
  86. What Do Credit Score Ranges Mean?

    Take a closer look at what credit scores in each range mean for your financial future.
  87. How The Sarbanes-Oxley Era Affected IPOs

    After the infamous collapse of companies like Tyco, Enron and WorldCom, the government responded to try and prevent it from happening again.
  88. Georges Doriot And The Birth Of Venture Capital

    Venture capital has been around for centuries, but Georges Doriot turned it into a structured field of investment.
  89. How to Pick a Charity

    The increasing number of charitable organizations mean the competition is fierce for your charitable dollars. Use these tips to research before donating.
  90. Who Pays Your Social Security Benefits?

    The short answer is, current earners. Taxes on current wages pay the Social Security benefits of retirees, the disabled, children and other beneficiaries.
  91. The Top Credit Reporting Bureaus: How Different?

    Consumers who compare their credit scores across the three agencies may find that the numbers don’t always match.
  92. 5 Good Reasons To Build A Career In Non-Profits

    There's never been a better time to work in non-profits. The move makes sense at life stages from just starting out to looking for an encore career.
  93. Understanding The National Association Of Realtors

    Not every real estate agent or broker is a realtor. Here's what the difference is and why working with a member of the NAR might matter to you.
  94. Get An Academic Finance Career

    Working nine months a year and earning a six-digit salary might seem like the high life, but these jobs are not easy to come by.
  95. The Best Financial Careers For Women

    Here are four finance careers that real women say allow them to achieve success, satisfaction and work-life balance.
  96. Financing Options For Buyers Of Foreclosed Homes

    While the upcoming retirement of Fannie Mae’s HomePath program is sad news for those wanting a foreclosed home, check out programs at FHA and Freddie Mac.
  97. 5 Keys To Lower Life Insurance Quotes

    If you get no-frills coverage early and adopt a healthy lifestyle, you’ll almost always enjoy considerable savings from lower premiums on life insurance.
  98. Selling Your House? Avoid These Mistakes

    Don't put the sale of your home at risk by committing one of these dirty deeds.
  99. How To Keep Debt Low

    Here's a breakdown of how you can stay out of debt or keep your debt low.
  100. Do-It-Yourself Projects To Boost Home Value

    These simple projects can add value to your property without taking too much out of your wallet.
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