Personal Finance Articles

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  1. How Does A Reverse Mortgage Work?

    The basics of getting a reverse mortgage, with detailed information on how to qualify and what to watch out for.
  2. Why Retirement Income Now Costs More

    The cost of future lifetime retirement income has outpaced increases in retirement savings balances. That’s left many pre-retirees ...
  3. 5 Key Factors Your Financial Plan May Not Address

    When the size of your IRAs and 401(K)s inputs a bunch of figures, out comes the verdict, and either: You're guilty of not ...
  4. Success: Hard Work Or Good Fortune?

    Any success that I may have had as a freelancer has been mostly hard work, but auspicious timing and lucky breaks have also ...
  5. What Can an Investor Learn from DuckTales?

    "DuckTales" told the story of Scrooge McDuck. Are there any lessons for an adult investor you might have missed as a child?
  6. When Taking Vows, Vow To Spend Less

    When we first went steady, it didin't matter that we had no money and weren't be able to support ourselves as newlyweds. ...
  7. The Right Place To Retire

    Before my husband and I got married, we made sure to be on the same page about values and children, but we didn’t discuss ...
  8. Closing In On Retirement? Read These Tips

    If you're within 10 years of retiring, you and your financial planner should heed these essential tips.
  9. Can Getting One Month Ahead Save Your Budget?

    My husband and I make a decent income but struggle to keep track of where it all goes and, more importantly, why it always ...
  10. Transferring Credit Card Balances To A New Card

    Before you take advantage of that new credit card's 0% interest balance transfer offer, read our step-by-step guide.
  11. How Sallie Mae Affects Student Loans

    Sallie Mae, which has financed many a college education, originally was a federally chartered government sponsored enterprise. ...
  12. The Top Reasons Behind The U.S. National Debt

    National debt, as with a business, is basically the difference between receipts and expenses--but in the U.S., the latter ...
  13. Do Drivers Really Need Gap Insurance?

    Gap insurance is worth it for drivers who are significantly upside-down on their car loan. That includes lessees and buyers ...
  14. 7 Ways To Protect Against Credit Card Hacks

    If you haven't been hacked yet, it may just be a matter of time. Here's how to protect yourself as much as possible before ...
  15. Get Up To Speed On Car Gap Insurance

    It covers the shortfall if your car is stolen or totaled, and insurance pays less than you owe on your loan. Dealers may ...
  16. Self-Directed IRA: The Right Move For You?

    How to benefit from the self-directed IRA's increased investment opportunities – and avoid the scams.
  17. Short Sale Strategies For Buyers And Investors

    Here's how to figure out if you will make money on buying a short-sale property – and when to steer clear of a deal that's ...
  18. 7 Factors That Affect Your Life Insurance Quote

    While age and gender have the most impact on your life insurance premiums, even your family medical history and hobbies can ...
  19. For Life Insurers, Making Money Is A Numbers Game

    Life insurance is a data-driven industry that relies on complex financial models to predict future expenses and income from ...
  20. 9 Reasons You May Never Retire

    As we face more years on this planet, the quality of that life becomes more important, and so you will need more gold to ...
  21. Top 10 Money Mistakes New Parents Make

    Although having a child is an exciting and exhilarating experience, it is very easy to lose track of finance or make unwise ...
  22. Lifestyle Inflation: Decide If It's Ever Okay

    I recently started sorting out my thoughts whether lifestyle inflation is ever okay and, if so, how do you decide when it ...
  23. Navigating E-commerce: Alibaba, eBay and Amazon

    Amazon, e-Bay and Alibaba were each game-changers in global e-commerce, with each not only finding its own niche, but inventing ...
  24. New 2015 Contribution Limits: Advisors Take Heed

    The Internal Revenue Service's new 2015 contribution limits for tax-deferred savings plans are higher; here's what you and ...
  25. The World's Lowest Cost of Living for Retirement

    6 countries that offer a high quality of living at a low cost for retirees. Great healthcare, plenty of activities, warm ...
  26. Rewrite Your Finance Industry Resume & Get Hired

    Looking for a job in the financial services industry? Here's how to write a resume that gets you noticed.
  27. HUD-1 Form: What Must Be On It

    You can't close on property involving federally related mortgages without a HUD-1 form. Use these instructions for a correct ...
  28. Credit Card Breach: How To Stay Safe

    You learn that credit card numbers have been stolen from a store you use. How to protect yourself in general – and what to ...
  29. Do Your Card's Travel Benefits Make The Grade?

    If you take frequent trips, it pays to evaluate the different travel benefits that a credit card offers – from airline miles ...
  30. The Most Helpful Tools On The IRS.gov Website

    Don’t waste your time wading through the slew of private and corporate tax websites out there. Go straight to the source: ...
  31. Top Tips For Winning New Clients

    Advisors looking to attract potential clients need to speak in a straightforward manner, be available for questions and leave ...
  32. IRS Raises 401(k) Contribution Limits By $500

    The 2015 IRS contribution limits for 401(k), 403(b), most 457 savings plans and the government's Thrift Savings Plan were ...
  33. The Top Nonprofit Organizations

    Did you know basketball and volleyball were invented by instructors at a charity?
  34. Want To Impress Clients? Show Your Due Diligence

    Doing the learning legwork for the products and service providers you employ will expand your understanding and impress incumbent ...
  35. ETFs Commonly Found In Retirement Accounts

    Which ETFs are popular in retirement accounts? Here's a look at several and why they might be right for you or your client.
  36. Home Depot's Profitability: The Unvarnished Truth

    As long as people want to maintain and beautify their surroundings, Home Depot will continue to accommodate them — and at ...
  37. Where Unemployment Hits Hardest

    A look at the demographics of unemployment, and what that means for workers around the nation.
  38. Scoring A High-Paying Job In The Banking Industry

    Bankers have earned a reputation as people who get to enjoy the finer things in life. However, most of them are ordinary ...
  39. Dealing With An Underwater Mortgage During Divorce

    Going through a divorce is chaotic enough, but throw in a house with an underwater mortgage and things get particularly messy.
  40. Best Ways To Repair Your Credit Score

    Follow these 6 steps and you'll be on your way to a better credit score.
  41. 7 Ways To Save Money On Business Travel

    Business travel is soaring, especially in America. But though business travel is great for the economy, it's not so kind ...
  42. 10 Steps For First-Time Home Buyers

    It's probably the biggest purchase you've ever made. Here's exactly what to do to prepare yourself and get the best possible ...
  43. Credit Cards With Travel Insurance

    Some credit cards offer travel coverage, which may include trip cancellations, lost baggage and rental-car damages. Just ...
  44. Why Did ETFs Become So Popular?

    How long should a buy-n-hold investor “hold?” If you held the Dow Jones Industrials Average from 1916 - 1981, would you have ...
  45. 3 Money Moves To Make Before A Career Change

    One of the measures of a healthy economy is workers' confidence in their ability to leave a job and find other employment. ...
  46. Top Financial Frights: Emergencies & Retirement

    Americans take a certain pleasure in horror at Halloween. Yet there is a realm in which they don't seek horror: their finances. ...
  47. 8 Common Refinance Mistakes

    As mortgage rates creep higher, there's still time to dump your mortgage rate for a lower one. But don't ruin your chance ...
  48. Preventing Medical Bankruptcy

    Medical expenses are the number-one cause of bankruptcy in the United States. Here are some steps to protect yourself.
  49. Flight Insurance Can Take The Worry Out Of Flying

    If paying for a missed flight or lost baggage is prohibitive, obtaining some flight insurance might just be a good idea.
  50. Is Cash Or Credit Better For European Trips?

    If you're traveling to Europe, make sure you have a widely accepted credit card that uses chip technology. It doesn't hurt ...
  51. 6 Ways To Jump-Start Your Savings Account

    While Americans have succeeded at paying some of their debt over the past years, the median household's savings have declined ...
  52. 5 Money Moves To Make By Year's End

    People hate deadlines. They dread them, shirk them and skirt them. But deadlines can also prompt you to get things done so ...
  53. Insurance Myths Involve Houses, Cars & Big Crashes

    Any confusion over what to buy or how to use a product can end up being costly, but when it comes to insurance, misunderstandings ...
  54. TIPS Are Unloved And Under-Owned

    Do you use protection? Because based on the recent, wild action in the markets, it seems as though many people have been ...
  55. World Cities With The Highest Quality Of Life

    Cities that usually top quality of life surveys have similar characteristics – they are usually midsized, with populations ...
  56. When Is A Franchise The Right Investment For You?

    Do you have the right mix of credit, capital and business savvy to make you an ideal candidate for buying a franchise?
  57. Educating Your Clients About Cybersecurity

    Financial advisors must lead the charge against cybersecurity risks, for their clients and for their own practices.
  58. Building A Fortune: Jerry Jones And The Cowboys

    From insurance and wildcatting, to licensing and pizza, Jerry Jones has rolled the dice and frequently won. Here's how the ...
  59. Are You A Target For Identity Thieves?

    The Americans at highest risk for identity theft and identity fraud aren't the ones you most expect. See if you're on the ...
  60. Want to Travel the World in Retirement? Here's How

    Dreaming of a retirement spent traveling the world? Here's how to start turning that dream into reality.
  61. Avoid Becoming An Identity Thief's Next Victim

    Use these 7 techniques to keep yourself under the radar and out of the way of identity thieves.
  62. 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 ...
  63. Retirement Investment Strategies by Age

    Saving and investing for retirement ideally should begin the moment you start working — if not before — and continue well ...
  64. 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 ...
  65. 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 ...
  66. 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 ...
  67. 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 ...
  68. 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 ...
  69. 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 ...
  70. 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 ...
  71. Alternatives To Business Bankruptcy

    Bankruptcy isn't the only alternative for a struggling business. It can try negotiating with creditors or liquidating assets ...
  72. 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.
  73. 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 ...
  74. 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. ...
  75. 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 ...
  76. 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 ...
  77. Overcome Your 6 Biggest Digital Banking Fears

    Cybersecurity -- or a lack thereof -- has consistently made headlines this year.
  78. 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 ...
  79. 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 ...
  80. 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 ...
  81. 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 ...
  82. 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 ...
  83. 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 ...
  84. 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 ...
  85. 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 ...
  86. 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 ...
  87. 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 ...
  88. Essential Tips For Would-Be Entrepreneurs

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

    Be sure that any
  90. 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 ...
  91. 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 ...
  92. Finding And Investing In FHA Condos

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

    When choosing between blasting through debt and establishing precautionary funds in case of an emergency, the right course ...
  94. 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 ...
  95. 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 ...
  96. 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 ...
  97. 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 ...
  98. 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.
  99. 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 ...
  100. 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 ...
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