Personal Finance Articles

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  1. One Reason Rates Are Likely To Remain Low For Long

    While I believe that the Federal Reserve (Fed) is likely to begin raising rates sooner than the market expects, rates are ...
  2. Retirement Investment Strategies by Age

    Saving and investing for retirement ideally should begin the moment you start working — if not before — and continue well ...
  3. Steps To Retiring With A Reverse Mortgage

    Follow this simple six-step guide to investigating a reverse mortgage. And be sure to compare it to other ways home equity ...
  4. Six Things Bad Financial Advisors Do

    So you've gone to the trouble and expense of hiring a financial adviser. Here's how to decide whether they're doing you right ...
  5. Best Business Credit Cards

    Even the best business cards aren't all alike. Choose the card – or cards – with features that yield the most for how your ...
  6. 10 Money-Making Jobs For Retirees

    Reaching retirement age doesn't mean you actually have to stop working. A retirement job can provide activity, mental stimulation ...
  7. 10 Questions You Forget to Ask When Buying a House

    If you are thinking about buying a home, you are not alone. According to the New York Times, more Americans are getting home-buying ...
  8. When Your Job Offers An Awful Retirement Plan

    So you've decided to start saving for retirement. Good news: it's never too late. Bad news: Your employer offers a paltry ...
  9. 3 Credit Card Benefits You’re Paying For But Not Using

    Unnecessary expenses are easy to eliminate once you look at your spending, but not all expenses are obvious, especially when ...
  10. Alternatives To Business Bankruptcy

    Bankruptcy isn't the only alternative for a struggling business. It can try negotiating with creditors or liquidating assets ...
  11. Fee-Only Financial Advisers: What You Need To Know

    Are you considering hiring a fee-only financial advisor or one who is compensated via commissions? Read this first.
  12. An Investor's Guide To Bank Stress-Testing

    Just how are bank stress tests performed and what is the logic behind them? And is a stress test useful for evaluating a ...
  13. 5 Biggest Money Mistakes & How To Fix Them Fast

    Financial mistakes - like most mistakes in life - can generally be avoided with forethought, planning and self-discipline. ...
  14. Top 5 Strategies To Pay For Elder Care

    The cost of a nursing home, assisted living facility or home care can be ruinous. Try these routes to help seniors qualify ...
  15. 5 Top Alternatives To A Reverse Mortgage

    If you have substantial home equity and don't want to do a reverse mortgage to tap it for retirement expenses, cost out these ...
  16. Overcome Your 6 Biggest Digital Banking Fears

    Cybersecurity -- or a lack thereof -- has consistently made headlines this year.
  17. What is Your Biggest Fear About Mobile Banking?

    It hasn't been a great year for cybersecurity, from Target's Black Friday hacking to this month's security breach at JPMorgan ...
  18. Reverse Mortgage Or Home-Equity Loan?

    If you have equity in your home and need more cash in retirement, a reverse mortgage – or home-equity loan or line of credit ...
  19. 10 Common Retirement Planning Mistakes To Avoid

    If you’re like most people, your retirement account took a big hit over the last couple of years. Now, it’s time to begin ...
  20. 9 Ways To Improve Your Credit Score Today

    When it comes to finances, there are a number of goals that you might have established, such as saving money, paying down ...
  21. Credits For First-Time Home Buyers

    To encourage Americans to buy their first homes, the government offers credits and tax breaks. Even better, you may not need ...
  22. A Look Into The Secrets Of Venture Capitalism

    Venture capitalists own an equity stake in the start-up and have a say in the functioning of the company. Investments are ...
  23. Federal Tax Brackets

    Why do we have income tax brackets? What do they do for us? Read this to understand the basics and where to find your own ...
  24. Build Your Credit Score

    Here are four good ways to build your credit score when you're starting from scratch. Do it right and you'll end up with ...
  25. 7 Weirdest Things You Can Buy With Rewards Points

    Delve into the world of rewards credit cards and it becomes easy to see how enough points can pay their way toward heavily ...
  26. The 5 Things You Never Knew About Auto Loan Rates

    Buying a new car is an important decision, and if you're a savvy auto buyer, you know that getting a good deal involves more ...
  27. Essential Tips For Would-Be Entrepreneurs

    Before you consider launching a business consider these key pieces of advice.
  28. Power Of Attorney Form

    Be sure that any
  29. I Want Christmas To Be Debt-Free

    Fall is finally here, and everywhere I look I see pumpkin carvings, seasonal door hangings, and all kinds of pumpkin-flavored ...
  30. Power Of Attorney: Do You Need One?

    Having a power of attorney ensures that you select who will act for you when you are unable to handle your affairs. Without ...
  31. Finding And Investing In FHA Condos

    Interested in a buying an FHA-approved condo? Read this first.
  32. Saving Money Or Paying Off Debt?

    When choosing between blasting through debt and establishing precautionary funds in case of an emergency, the right course ...
  33. Is Retirement Good For You Or Bad For You?

    A neighbor wakes up before 6 a.m. each morning, gets dressed, skulks outside and some days begins looking for parked vehicles ...
  34. How To Refinance If Your Home Appraisal Is Too Low

    When you take out a mortgage on a home or refinance an existing mortgage, most lenders want a loan-to-value ratio (LTV) of ...
  35. 5 Smart Money Strategies From Around The World

    Around the globe, the way money is thought about, handled, saved and spent varies greatly from what might be the norm in ...
  36. Retire Abroad: Cosmopolitan Cities

    The top 10 best choices worldwide if you want to retire abroad to enjoy a big-city lifestyle, but still have a lower cost ...
  37. All Your Questions About Loan Interest Rates

    If you think interest rates don’t really matter -- think again. Interest rates have a huge impact on your finances.
  38. 13 Confusing & Scary Things Frugalists Do

    When I worked at a newspaper, I needed to confer with the photo department. A holiday potluck had taken place, and the shooters ...
  39. Why, How, Where and When Entrepreneurs Make Money

    Why, how, where and when do entrepreneurs make money? Eleven stages or "terms" that entrepreneurs and their ventures go through ...
  40. Why Entrepreneurs Are Important for the Economy

    This article discusses the importance of entrepreneurs and their important value-add to the economy of a state.
  41. 7 Secret Fees Cutting Into Your Travel Budget

    We're in the midst of the travel-planning season, as solo travelers and families gear up for domestic and international holiday ...
  42. Traveler's Checks Vs. ATM Cash: Tips for Tourists

    Traveler's checks were once the preferred way to make purchases overseas, but most tourists now get cash at an ATM – or use ...
  43. Perkins Loan Vs. Stafford Loan

    If you qualify for both of these student loans – a Stafford and a Perkins – which one should you try to get? It depends on ...
  44. Astonishing Innovation Amid Global Crisis

    The Ebola crisis continues to intensify… The thugs at ISIS continue to terrorize everyone… The schizophrenic stock market ...
  45. Which Home Updates Tend to Make Back their Money?

    Do you want to revitalize your kitchen and bathroom this year? If you’re planning to sell your home, these rooms will be ...
  46. Stafford Loan Limits

    How much you can borrow with a Stafford loan depends on your grade level in college, whether you're an undergraduate or grad ...
  47. Ebola's Economic Impacts on Liberia, Sierra Leone and Guinea

    A summary analysis of projections of how the Ebola outbreak will affect the economies of Liberia, Sierra Leone and Guinea.
  48. 7 Steps To Evaluate A Financial Adviser

    Looking to hire a financial advisor but unsure what you want or need? Follow these seven steps.
  49. Stop Smoking If You Want To Sell Your House

    Homebuyers, whether first-time or repeat buyers, shop with their senses. The No. 1 turnoff for prospective homebuyers is ...
  50. What Documents Do I Need For Mortgage Preapproval?

    The document requirements for mortgage preapproval vary by lender and your individual circumstances, but typically, you'll ...
  51. Disadvantages Of Stafford Loans

    Stafford loans are popular ways to get federal help with college costs. However, they do have some drawbacks, especially ...
  52. How I Budget With A Variable Income

    It seems like everybody's goal lately is to leave their job and become a freelancer.
  53. 7 Credit Myths You Thought Could Hurt Your Score

    The Internet is brimming with tales of how your complete lack of knowledge surrounding credit scores is costing you big every ...
  54. 10 Characteristics of Successful Entrepreneurs

    Being a successful entrepreneurs requires more than just an idea or a lot of money. Here are ten things that set successful ...
  55. Benefits Of Stafford Loans

    Stafford loans are the most popular federal student loans. This list of benefits will explain why.
  56. 6 Retirement Planning Tips For Late Starters

    Saving for retirement early is one of the most important things to ensure financial success, and yet many people are unable ...
  57. The Big Credit Card Companies Have Room to Grow

    With so many credit cards in daily use, credit card issuers have grown with their businesses.
  58. Planning A Fun, Frugal Halloween

    Tis' time for the spookiest holiday of the year and a record number of Americans are planning to participate in the scare ...
  59. Direct Stafford Loans

    Stafford loans are the most popular type of federal student loan. Read this guide to the types you can get, how much you ...
  60. Set It And Forget It Doesn’t Work For Retirement

    If you're like most Americans, retirement is a goal that you strive for with each paycheck you earn.
  61. Private Student Loans For International Students

    International students can get private loans to help pay for the cost of college in the United States. Here's how.
  62. Stafford Loans: Subsidized Vs. Unsubsidized

    Before you take out federal student aid, learn the difference between these two types of Stafford loan. It could save you ...
  63. 5 Ways Americans Sabotage Their Savings

    While the latest news proclaims that the economy is rebounding, the truth is that most Americans are wasting their money. ...
  64. A CD Is The Best Tool To Teach Your Kid To Save

    After suffering through a major recession, many people developed a near obsession with making sure they have savings set ...
  65. Plan Your Retirement Abroad

    A real-world, step-by-step guide to making that dream of retiring abroad a reality – from visas to housing to healthcare ...
  66. 5 Banking Fees That Are Actually Worth Paying

    In finances, "fee" is a like a three-letter bad word, the opposite of what personal finance is supposed to be, saving money ...
  67. Bankruptcy Consequences

    You've done the deed and are out from under your debts – or embarked on a repayment plan. What consequences can you expect ...
  68. 5 Famous MLB Players Who Went Broke

    Major League Baseball is one of the biggest and most lucrative industries out there.
  69. 4 Tips To Cut Your Monthly Car Costs

    Seeing your hard-earned money get drained month after month by recurring fees and expenses can be incredibly frustrating.
  70. 3 Ways To Cheat Government Assistance Programs

    Government assistance programs are designed to give struggling Americans access to basic needs like health care, food and ...
  71. Saving On Bankruptcy Costs

    Going bankrupt is awful enough without worrying about ways to pay for it. Here's how to save on lawyers, filing fees and ...
  72. Bankruptcy And Your Credit Score

    Use these 7 strategies to start improving your credit score from the huge hit it takes after a bankruptcy.
  73. When To Declare Bankruptcy

    When is bankruptcy the best or only route– and when is it better to look at alternative solutions? And should you always ...
  74. An Introduction to Government Loans

    Government loans further policymakers' efforts to create positive social outcomes by offering timely access to capital for ...
  75. Rent-To-Own Homes: How The Process Works

    Here's what to watch for when negotiating a contract for a rent-to-own home – and who is a good candidate for this option.
  76. How The IRS Works: Functions & Audits

    Even the most enlightened citizen curses taxes, possibly while simultaneously acknowledging that they're the price of a civilized ...
  77. Student Loan Reality Check

    With college students back in classes for the fall semester, their parents can only hope that they are making the best use ...
  78. How To Choose An Affordable Financial Planner

    Choosing a financial planner is a decision that shouldn't be taken lightly. In fact, this decision is just as important as ...
  79. Who Should Buy 'Rent To Own'

    The monthly payments sound small, but they add up. Here's how "rent to own" works and who might benefit from it. Or not.
  80. Finding Rent-To-Own Homes

    Rent to own can be a route to owning your own home. But searching can be costly and complicated, and leases may have pitfalls. ...
  81. Is It Smarter To Save Money Or Earn More Income?

    When it comes to money, what's your financial focus? My poor dad spent much of his energy working for others and saving as ...
  82. What Does Retirement Abroad Cost?

    There's no set amount. Generally, smaller places and less developed countries offer the best bargains, but factor in your ...
  83. What Bill Gross, Steve Jobs and Steve Wynn Share

    Few people build a multi-billion dollar business and leave it. But these did just that.
  84. Should You Invest In Fannie Mae Stock?

    If you're risk-adverse, you might want to avoid investing in Fannie Mae. But if you're up for it, high risk could translate ...
  85. The Top Ways to Fund Your New Business

    Crowdfunding is no magic bullet for funding a business. However, P2P lending companies have made applying for a personal ...
  86. 4 Best Things To Buy In October

    It's cooling off, which means everything you need for spring and summer is starting to go on sale now, when you least need ...
  87. What PayPal’s Split From EBay Means For Customers

    EBay announced Tuesday that it will be splitting from PayPal to make the payment company its own entity.
  88. Retirement: U.S. Vs. Abroad

    Which option would make more sense for you: retiring abroad or staying at home in the U.S.? A look at the advantages and ...
  89. Retirement Abroad: 5 Unexpected Foreign Cities

    If retiring abroad is your dream, here are some less well known destinations where the culture is rich; the scenery, lovely ...
  90. Want an Easy Retirement? Don't Go Here

    Looking for a good place to retire? You might want to avoid these cities.
  91. Retirement Strategies For Low Income Seniors

    Plans and strategies for building a healthy and satisfying life, even if your retirement income isn't as high as you wish ...
  92. Can I Afford To Go Vegan Like Bill Clinton?

    Former U.S. Bill Clinton surprised many a few years ago when he announced his decision to become a vegan. In a meat-loving ...
  93. File Chapter 7 Bankruptcy

    Chapter 7 is the "liquidation" form of bankruptcy. When people file for Chapter 7, the trustee may sell some of the filer's ...
  94. The Best Jobs for Retirees

    We explore seven great career options for retired people.
  95. The Best Retirement Plans For Millennials

    Retirement is decades away, but if you make yourself start saving even a little now, all that time can make your money grow ...
  96. The Irreplaceable Brand Of Donald Trump

    Donald Trump has said that in order to succeed in real estate it's vital to enhance your location. His golf course investments ...
  97. I Was Intimidated By Investing, But Here's How I Got Started

    The first time I felt intimidated by adult responsibility, I was three months out of college. It was my very first job interview ...
  98. Are Your Children Destroying Your Retirement?

    I can still remember the days when the term "generation gap" was all the rage, back in the late 1960s and early 1970s.
  99. Rental Property: Getting Rich Means Taking It Slowly

    I have two second cousins who serve in the military. We don't always talk much, though. The age gap can be a roadblock and ...
  100. The Other Personal Bankruptcy Option: Chapter 13

    In a Chapter 13 bankruptcy, filers develop a plan to repay all or part of their "past due" debt. Any allowable debt left ...
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