Personal Finance Articles

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  1. LEVIX, LISIX, GLIFX: Top 3 Lazard Funds for Retirement

    Learn about Lazard Asset Management, its long history of strong performance and the top three Lazard funds to consider for ...
  2. Improve Your Chances of Being Approved for a Mortgage

    Homebuyers should think like lenders and fix their credit profiles before applying for a home loan.
  3. How to Deal With Negative Equity on a Car Loan

    The dangers of having a negative equity car loan are real. Here's how to get out from under it.
  4. Why Your Investment Growth Calculator May Be Wrong

    Many simple investment growth calculators fall short, so here's one you should use instead.
  5. Save $1 Million for Retirement on a Minimum-Wage Salary

    A $1 million retirement is a nice round number to shoot for, and with the right planning it’s potentially doable, even on ...
  6. CHK: How Chesapeake's Stock Price Rose 93% in 6 Months

    Chesapeake Energy avoided bankruptcy, and its stock price gained 90% in six months due to increased shareholder confidence ...
  7. 4 Reasons Why You Should Consider Costco's Diamond Rings

    Costco's low prices on diamond rings is one thing, but finding the ring that you want is another story.
  8. Who Are the Top 5 Bitcoin Millionaires?

    Bitcoin millionaires are extradorinary people, ranging from entrepreneurs to felons.
  9. Top 7 Companies Owned by General Mills (GIS)

    These 7 businesses owned by General Mills play an important role.
  10. Why Retirement Plan Sponsors Could Face Litigation

    A Supreme Court decision makes it easier for retirement plan participants to sue their employers. Apathy is not a strategy ...
  11. Here's How to Get a Car With No Down Payment

    Here are some ways that you can buy a car with no down payment while also avoiding higher interest rates.
  12. To Roll a 401(k) Over or Not: Guiding Clients

    A critical decision for clients who change jobs a few times in their career is what to do with their defined contribution ...
  13. Top 5 Companies Owned by Bain Capital (IHRT)

    Over the course of its history, Bain Capital has made a significant number of investments and divestments in many different ...
  14. A Rollover Mulligan for Your 401(k) Distribution

    The IRS announced that it has established a sort of Mulligan designed to help recipients of retirement plan distributions.
  15. Traps That Lead to Market Underperformance Part I

    There are many psychological traps that lead to defeat in investing. But I've noticed this one more than others over the ...
  16. How Estate Taxes Work, A Real Life Example

    The estate tax is frequently misunderstood. Learn more details about exactly how estate, or inheritance, taxes work in the ...
  17. Top 5 Corporate Donors in Retail (WMT, GOOG)

    Discover the five largest donors in the retail sector as measured by cash contributions, including the company that donated ...
  18. How Financial Times Are Changing

    Today there are probably better ways for you and your advisor to spend time than actively trying to beat the market.
  19. States With the Highest Inheritance/Estate Taxes

    State and federal estate taxes may be levied upon death, but there's a difference between inheritance taxes and estate taxes. ...
  20. Boomers: Try These 6 Unusual Retirement Tips

    You're likely well-versed in the usual retirement planning tips. Here's a list of lesser-known ways to try to fatten up your ...
  21. How the TJ Maxx Credit Cards Work: Benefits & Rewards (TJX)

    Learn about the benefits and rewards of T.J. Maxx credit cards, and discover if there are better alternatives.
  22. The Business Model of Reinsurance Companies

    Learn about the business of reinsurance, a hidden industry that underpins the entire financial and insurance structure around ...
  23. 4 Best Credit Cards for Military Veterans in 2016

    Discover the four best credit cards for veterans, including the programs with the best airline mileage rewards, points for ...
  24. Behind Rite Aid's 66.3% Rise in 10 Years (RAD)

    Examine Rite Aid's stock price history to determine how financial results and market correlation have influenced its shares.
  25. The Myth of Friendly Financial Advice

    Free financial advice from family, friends and colleagues is often only worth what you pay for it.
  26. Enticing Retirement Plan Participants to Save

    Getting participants interested, educated and enrolled in their retirement plan is the first step to long-term saving for ...
  27. Professors: Slash Your Debt or Build a Nest Egg?

    If you're a professor with a sizable amount of debt, paying it off and investing do not have to be mutually exclusive.
  28. How Safe Is Traveling in Thailand?

    Exercise the kinds of cautions that are necessary anywhere in the world. And then pay attention to these three particular ...
  29. 5 Fintech Firms Emerging in Boston (GS, PYPL)

    Find out which startups that are emerging as Boston's top fintech companies are already disrupting the financial services ...
  30. How Much Money Do You Need to Retire at 56?

    Who wouldn't want to retire early and enjoy the good life? The question is, "How much will it cost?" Here's a quick and dirty ...
  31. Joy in Retirement: Another Type of Diversification

    Diversifying your happiness in retirement is just as important as achieving a perfectly balanced portfolio.
  32. Retirement Lifestyle Planning: How to Be a Nomad

    Making full-time travel in your later years a reality requires some careful retirement lifestyle planning to make sure your ...
  33. Advisors: Your Women Clients Are Not All the Same

    Advisors who want to work with women clients need to understand that they are a diverse group with these distinct financial ...
  34. What Advisors Should Know About “Gray Divorce"

    Divorce among couples age 50 and above is on the rise. Here's how advisors can help these clients find their financial footing ...
  35. How to Sell a Car With a Lien

    Vehicle owners wondering how to sell a car with a lien on the certificate of title have four options to both remove the lien ...
  36. 3 Ways to Avoid Electronic Pickpocketing

    Learn what electronic pickpocketing is, and find out which steps you can take to avoid getting pickpocketed through commercial ...
  37. Purchasing a Home Without a Realtor: What You Need to Know

    When purchasing a home, you can save money by performing the realtor work yourself, but it will take time and effort.
  38. Methods of Handling Risk: A Quick Guide

    Discover the five methods to manage pure risk, and learn how they can be implemented to mitigate risk with health and life ...
  39. Flood Insurance: Myths and Misconceptions

    What does flood insurance cover? There are several myths about flood insurance cost, coverage, who needs flood insurance ...
  40. Fico vs. Experian vs. Equifax: Their Pros and Cons (FICO, EFX)

    FICO, Experian and Equifax all provide information about a borrower's credit history. However, important differences exist ...
  41. Purchasing a Home with Bad Credit Is Possible: Here's How

    A bad credit report can become an obstacle, resulting in denials for credit or higher interest rates, but borrowers with ...
  42. Visa Signature vs. MasterCard World Elite: How They Differ

    Learn about the key similarities and differences between the Visa Signature and MasterCard World Elite lines of credit cards ...
  43. How the Goodyear Credit Card Works: Benefits & Rewards (GT)

    Find out about the benefits and rewards of the Goodyear Credit Card. Learn which customers benefit most from it, and identify ...
  44. Investment Committees: Duties and Responsibilities

    An investment committee can help plan sponsors avoid fiduciary liabilities. Included is information regarding the duties ...
  45. The Cost of Buying a Wendy's Franchise (WEN)

    Learn about the financial requirements associated with opening or buying a Wendy's franchise. How do these compare to other ...
  46. How Netspend Works and Makes Money (TSS)

    The NetSpend prepaid debit card is an alternative to checking accounts and credit cards. Most customer reviews give the service ...
  47. Most Americans Lack an Emergency Fund

    A recent study reveals that two-thirds of Americans can't come up with $1,000 for emergency expenses.
  48. Your 401(k): What's the Ideal Contribution?

    If done properly, planning for retirement can affect the quality of life at retirement age — for the better. Here's what ...
  49. An Introduction to Student Loans and the FAFSA

    Learn how to fill out the FAFSA form so that it is easier for you to fund your education.
  50. 4 Steps to Getting a Small Business Loan Without Collateral

    A small business can obtain an unsecured loan without collateral by taking steps to get the best possible terms.
  51. A Quick Guide to How FAFSA Loans Work

    If you’re headed to college and want to know how to apply for financial aid, this is where you need to start.
  52. How to Create a Budget You Can Stick With

    Following a budget can be difficult. But it’s usually the difference between living a stressful retirement versus the retirement ...
  53. 3 Best Credit Cards for Restaurants in 2016

    Credit cards with restaurant rewards can be lucrative, if they are managed properly. Here are three cards with the best features. ...
  54. Top 10 Mistakes to Avoid on Your 401(k)

    Funding and managing your 401(k) is critical to a financially healthy retirement. Avoid these top 10 mistakes.
  55. The Elusive Spark Needed for the Rally to Continue

    Against most expectations, U.S. stocks are turning in a respectable performance this year. The S&P 500 is now up 7% year-to-date, ...
  56. How Do Mortgage Lenders Calculate Affordability?

    Home affordability is an important question for prospective homeowners and mortgage lenders alike. It is generally a function ...
  57. How to Protect Your Assets From Litigation

    Personal umbrella liability insurance can offer you big-time legal protection relatively cheaply, in case your existing policies ...
  58. Top 5 Electronics Stocks of 2016 (TXN, QCOM)

    As electronic devices play an increasingly important role in modern life, consider these top-performing electronics stocks ...
  59. 5 Tips for Lawn-Care Businesses to Get Ahead

    Learn effective lawn-care business tips, such as using social media and sharing client testimonials, to grow your business.
  60. Elements of Insurable Risks: A Quick Guide

    Explore the elements of insurable risk: due to chance, measurable and definite, predictability, noncatastrophic, random selection ...
  61. Univision MasterCard Prepaid Card: What You Need to Know (MGI, WU)

    The Univision MasterCard prepaid card markets itself as a safe alternative to cash, but competing cards may offer better ...
  62. 5 Things to Avoid Buying During Labor Day Sales

    It may surprise you to learn that Labor Day weekend sales are not the best time to buy gas grills. Ditto for some other items ...
  63. Why Hobbies Should Be Part of Your Retirement Plan

    Retirement should be fun—you’ve worked all your life and you deserve to enjoy your time off. Here's why it's important to ...
  64. Don't Spend Your Retirement-Fund Cash This Way

    Before you cash out or raid one of your retirement funds, consider the following things you should not do with that money.
  65. California Readies State-Sponsored Retirement Plan

    California is aiming to be the next state to roll out a state-sponsored retirement plan.
  66. Why Boomers Are Delaying Retirement

    Baby Boomers are changing retirement. Exactly how, though, is still evolving as the realities of life sometimes clash with ...
  67. For Young Investors: Too Many Choices, Too Few Dollars

    Your retirement may be decades away, but this is no time to procrastinate.
  68. Why You Absolutely Need an Emergency Fund

    What is an emergency fund, and why is it often the first component of sound financial planning?
  69. Are You Living Too Close to the Edge?

    If a missed paycheck would make your finances cave in, here's how to get back on track.
  70. The Worst-Performing Currencies of 2016

    Find out which foreign currencies struggled the most during the first seven months of 2016, and why the situation in Venezuela ...
  71. Examples of Adverse Selection in the Insurance Industry

    Find out what the term "adverse selection" refers to in the insurance industry, and learn how insurance companies protect ...
  72. How the Sam's Credit Card Works: Benefits and Rewards (WMT)

    Sam's Club offers store-only and MasterCard credit cards with several membership and rewards program options.
  73. How the Sears Credit Card Works: Benefits & Rewards (SHLD)

    Sears offers three different types of credit cards with various rewards and benefits programs. Included are rewards and benefits ...
  74. Top 5 Consumer Electronics Stocks of 2016 (AAPL, PLT)

    The fundamentals for particular consumer electronics stocks are important when considering investing in a company producing ...
  75. Why Too Many Credit Cards Can Hurt Your Credit Score

    Find out why having too many credit card accounts can adversely impact your credit score if the cards are not managed properly.
  76. Insurance, Excess Insurance and Reinsurance: What's the Difference? (ALL)

    Understanding the differences might help you avoid being overinsured or underinsured.
  77. College Tuition: 8 Mistakes Parents Should Avoid

    Here are 8 mistakes parents should avoid while saving for college tuition.
  78. The 3 Biggest Secrets About Financial Planning

    Financial planning is more comprehensive than many professionals suggest. Here's what you should be thinking about when it ...
  79. Improve Your Chances to Get Approved for a Credit Card (BAC, DFS)

    Little or no credit doesn’t mean you’re stuck paying with cash. There are credit options for those just starting to establish ...
  80. The Best 3 Debt Consolidation Loans Companies in 2016

    If you're looking for debt consolidation, these are three companies to consider.
  81. Condo vs. Townhouse vs. House: Which Is Right for You?

    Each type of housing, condos, townhouses and detached houses, has its pros and cons. Buyers should consider lifestyle and ...
  82. What Is a Special Enrollment Period, and Why Does It Matter?

    Various life events and situations enable you to join a qualified health plan (QHP) offered through the marketplace or change ...
  83. Paycheck to Paycheck? Start Saving This Way

    Five ways to stop living paycheck to paycheck and start saving.
  84. On a Retirement Job Search? Try These Agencies

    There are several web-based staffing agencies that can help baby boomers and other seniors with their retirement job search. ...
  85. Top 10 Retirement Gift Ideas for That Special Day

    The age-old traditional gold watch has not gone out of style, but it's only one of many appropriate gifts to give a retiring ...
  86. Read This Before You Retire in the Philippines

    The Philippines has a warm climate, a low cost of living and plenty of people who speak English. What to do next if you think ...
  87. Professors: Stop Drowning in Student Loans

    Students aren't the only ones dealing with loans. Professors who borrowed money to get to where they are should consider ...
  88. Putting Your Money to Work for the Greater Good

    There are several ways to put your capital to work for social or charitable causes, while also facilitating moves that support ...
  89. How Negative Interest Rates Can Affect Currencies

    Analyze the relationship between interest rates and currency devaluation. Examine the impact of negative rates and how further ...
  90. How Did Sergey Brin Get Rich?

    Sergey Brin is president of Alphabet Inc. (NASDAQ: GOOGL), the parent company of the world's largest search engine, Google.com, ...
  91. How the PayPal Credit Card Works: Benefits & Rewards (PYPL)

    Find out how the PayPal Extras MasterCard works for you, and how you can earn maximum rewards on gas and restaurant purchases ...
  92. How an Opt-In Box Can Grow Your Email Following

    Email is powerful for communicating with your financial advisory clients and nurturing prospects. Here are some tips on how ...
  93. America's Poorest States in 2016

    The poorest states in America include Mississippi, West Virginia and Arkansas.
  94. Credit Karma Doesn't Hurt Your Credit Score, and Here's Why

    Credit Karma is a popular option for checking credit histories for free, and it doesn't hurt your credit score.
  95. When Is it Time to Stop Saving for Retirement?

    Successful retirement planning demands lots of saving and smart money management. But once you retire, how do you transition ...
  96. Real Estate: How the Bubble Will Pop

    This real estate bubble is much different from the last one. Understanding it is imperative if you plan on making any investments.
  97. Why Emergency Funds Are a Bad Idea

    Learn why taking the time to build an emergency fund is a staggeringly inefficient use of the precious and limited resource ...
  98. BUFEX, BUFMX, BUFSX, BUFIX: Top Buffalo Funds for Retirement

    Discover the top five Buffalo Funds for retirement diversification in 2016, with a summary of each fund, including manager ...
  99. Top 5 Companies Owned by PayPal (PYPL)

    Find out the top five companies owned by PayPal Holdings Inc. that are paving the way to keeping it the dominant player in ...
  100. How Much in Savings You Need to Live Comfortably

    Discover how Americans' perceptions of their financial security differ from reality, and learn how much in savings is sufficient ...
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