Personal Finance Articles

  1. 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.
  2. The Purpose Of The IRS W-4 Form

    Why do you need to fill out a W-4 form and what does the IRS do with it?
  3. Filling Out Your W-4 Form

    Your step-by-step guide to making sure your employer reports your tax withholding correctly to the IRS from your first day on the job.
  4. Medicaid Vs. Medicare

    Medicare and Medicaid only sound similar. Medicaid doesn't require being 65 or disabled to get benefits. Some low-income seniors can qualify for both.
  5. 7 Ways To Consolidate Debt

    Different loan sources to use when you consolidate debt.
  6. Gold Scams To Watch Out For

    Buying and selling gold can be extremely lucrative, but there are also many risks associated with gold. Here are some useful tips.
  7. How Return On Equity Can Help You Find Profitable Stocks

    It pays to invest in companies that generate profits more efficiently than their rivals. This is where ROE comes in.
  8. Wall Street’s Glass Ceiling

    It’s tough to boast that there are more female CEOs than ever before when they make up only 4.2% of the total.
  9. Find The Right Financial Advisor

    Learn how to weed out those who are just out to make a quick buck.
  10. When Financial Crisis Strikes The Bank Of Mom And Dad

    If you really want your kids to learn to be financially responsible adults, it's time to stop giving them money.
  11. Cheap Steps To Reduce Your Carbon Footprint

    Making small adjustments to your habits and lifestyle can have big payoffs.
  12. Top 4 Most Competitive Financial Careers

    If your goals include a big paycheck and working for a Wall Street firm, then you need to learn how to meet employers' expectations.
  13. 10 Ways To Improve Your Credit Report

    A good credit rating can make your life simpler in almost every way. Here's how to build up yours – and repair it if times get tough.
  14. Evaluating An Heirloom

    Whether it's jewelry, furniture or a book collection, once you inherit it you need to decide what to do with it. First, find out what it's worth.
  15. Most Affordable Cups of Coffee

    With coffee playing an important role in social norms, this article looks at the most and least affordable cups of coffee available.
  16. 5 Economic Changes That Fatten Your Grocery Bill

    Global economic conditions are working to bloat our food costs. And for many, even the smallest increase in food prices can spoil the family budget.
  17. Top Places To Get A Free Credit Score Or Report

    When's the last time you checked your credit report? With all the hacking out there, don't wait for the car dealer to find problems when you need a loan.
  18. The Taylor Rule: An Economic Model For Monetary Policy

    This interest rate forecasting model has helped central banks around the world adjust their rates to balance out inflation.
  19. Want To Sell Life Insurance? Read This First

    Looking for a career that offers big financial upside and the lure of self-employment? Insurance sales could well be for you.
  20. How To Plan For The Charitable Giving Boom

    Of the $58 trillion that will be passed over the next several decades, $26 trillion could go to charity. Here's how to plan for that huge shift.
  21. How Visa Counts On Your Free-Spending Ways

    The credit card transaction business is so profitable, Visa Inc. doesn't even bother lending money. Here's how they make their money.
  22. Beware Of Payday Loans

    Even if you're desperate for cash, try our alternatives before falling into the payday loan trap - that money could cost you up to 2100% a year.
  23. Five Online College Grants for Single Mothers

    A degree may get you a better-paying job, but you probably need a good-paying job to pay for it and afford child care at the same time.
  24. How To Compare Home Insurance Companies

    There's a ton of information out there. Here's how to organize it and find the best company and best rates when you insure your home.
  25. Will Retirement Be Part of Your Retirement?

    Retirement is changing. The question is how?
  26. As Boomers Slow Down, Will The Economy Follow?

    Many baby boomers are working past 65. Yet as they inevitably retire, effects on workforce participation and consumer spending levels will be profound.
  27. Top Websites For Home Sales

    Online real estate sites can save you time and effort in finding your next home. Our guide will help you choose the best one for you.
  28. Using Home Equity Loans For Debt Consolidation

    A home equity loan or line of credit is a convenient way to consolidate debts, cut your interest rate and gain a tax deduction. But there are big risks.
  29. What Your Life Insurance Agent Makes – On You

    Being paid by commission gives life insurance agents an incentive to sell bigger policies and specialized financial products. Remember that before you buy.
  30. How To Apply For Unemployment Insurance

    Unemployment compensation is a federal program administered by each state. Here's how to connect to your state's unemployment office and what to expect.
  31. 4 Leverage Ratios Used In Evaluating Energy Firms

    These four leverage ratios can help investors understand how oil and gas firms are managing their debt.
  32. Millennials: Prevent a Bad Credit Score

    Here are five ways to help prevent getting a bad credit score that could affect future loan, credit card or mortgage approvals.
  33. Credit Report Alert!

    Chances are your credit report has mistakes – which could cost you hundreds a year in mortgage, car loan or credit card interest. Here's how to correct it.
  34. Divorce Over 50: Seven Mistakes to Avoid

    With longer lives and women's greater financial independence, divorces at 50+ are soaring. How to avoid money trouble when you sever ties with your spouse.
  35. Special Trusts For Special Needs

    If you or someone you love has a disability, these trusts can help ease the cost of care.
  36. How To Shop For Mortgage Rates

    Take these 5 steps to getting the lowest possible rate for your mortgage. Small percentage differences can mean big savings down the line.
  37. How An Advisor Can Help Cut Your Healthcare Costs

    Even with healthcare costs on the rise, few people are adequately planning for the burden. Here's how a financial advisor could help.
  38. Deducting Disaster: Casualty And Theft Losses

    If you've been a victim, your losses may be deductible. Find out how.
  39. 10 Bank Promotions That Pay You To Open An Account

    Find out which banks are running cash promotions this summer.
  40. 78% of NFL Players End Up Broke — These 6 Athletes Didn’t

    NFL players are not only highly celebrated -- they're highly paid, too.
  41. Help! My Unemployment Benefits Are Running Out

    Don't wait for your unemployment insurance to expire before planning what to do if you haven't found a new job yet.
  42. 6 Ways Homeowners Can Dispute an Absurdly Low Appraisal

    Count it as one of the most frustrating and disappointing of all real estate quandaries.
  43. 5 Things To Ask Before Hiring A Financial Advisor

    Choosing a financial advisor isn't an easy task. Here's a list of the most important things to consider when planning for your financial future.
  44. Retirement Travel: Good And Good For You

    Research shows a big disconnect between how many Americans dream of travel during retirement and who saves enough to fund those trips. Don't miss out!
  45. Is it Time to Prepare for Inflation?

    While U.S. inflation remains at historic lows, it has ticked up recently, leaving many investors fearing rising prices.
  46. Top 10 Biggest Retirement Savings Mistakes

    Now that the economy is in recovery, it’s time to begin rebuilding those IRAs and 401(k)s.
  47. 5 Money Lessons Your Parents Taught You That Are Wrong

    Teaching kids about money is important, but not all money lessons for kids turn out to be correct. Here are five bad money lessons you probably learned.
  48. How To Find The Best Real Estate Agent

    Most people don't have the time, expertise or motivation to go it alone and finding a good real estate agent becomes essential to enjoying a smooth real estate transaction.
  49. What Lenders Look At On Your Credit Report

    What do lenders consider when they look at your credit report? It’s a simple question with a complicated answer.
  50. Real Estate and Crowdfunding: A New Path For Investors

    Real estate investing and crowdfunding - is this a good mix?
  51. Find The Best Home Insurance Quotes

    Home insurance rates are on the rise. Analysts expect the cost to insure your home will continue to inch upward, putting a strain on your budget.
  52. 5 Reasons You’ve Got the Wrong Mindset About Money

    There’s no getting around the fact that many people simply have the wrong mindset about personal wealth, and some go through their entire lives this way.
  53. How Are Home Insurance Rates Determined?

    You home's value is one of the driving forces behind your home insurance premium and the amount of coverage you receive.
  54. More Volatility Ahead?

    Despite recent market swings, volatility is still low by historic standards, suggesting that markets aren’t taking into account the prospect of bad news.
  55. Could Your Job Make You Uninsurable?

    Some jobs – even hobbies – can put you on a high-risk list and make it tough to get life insurance. How to lower your rates without giving up scuba diving.
  56. Calculate Your Self-Employed Salary

    Deciding on a salary is tough when you're self employed. There are several factors to consider before setting a price on your services.
  57. Can You Use a Healthcare Exchange After Open Enrollment?

    If you're looking to buy insurance from a healthcare exchange, timing can be critical. That's because, if you didn't sign up prior to March 31 this year, you'll ordinarily have to wait all the way until Nov. 15, when the next open enrollment period begins.
  58. Longevity Insurance for a Comfortable Retirement

    Don't face a retirement that goes on long after your money runs out. Longevity insurance guarantees you income once you reach age 85.
  59. Surprising Uses for Trust Funds

    Here are five common situations where a trust fund makes financial sense.
  60. 10 Reports Car Insurance Companies Pull From You

    Car insurance companies don’t like guessing games. When you ask for a quote, they want to know who you are and what you’ve been up to.
  61. Car Payments: 'Til Death Do Us Part

    Your car breaks down... You head to the dealership, ready to replace it with something more reliable. But the dealership has a few tricks up their sleeve...
  62. Six Ways To Save On Closing Costs

    The process of securing a home loan can be confusing and daunting, especially when it comes to the laundry list of fees associated with your mortgage.
  63. 3 Cool Energy-Saving Home Improvements For Summer

    Here are three energy-saving home improvements you can use to help cut summer cooling costs now while avoiding potential warm-weather meltdowns.
  64. Applying For Credit Cards Affects Your Credit Score

    if you follow these simple rules, you should be able to refresh your plastic without causing a big hit to your score.
  65. 8 Reasons Not To Sell Your Home Without An Agent

    Is saving the seller's side of the agent's commission worth the trouble of selling your home without one? Why it could cost you more in the end.
  66. 7 Ways To Land Your Dream Home During The Summer

    Spring has long been considered the busiest homebuying season of the year. Summer is often thought of as the exact opposite.
  67. The Employee's Guide To Medicare

    Over 65 and still working? You're eligible to register for Medicare, but should you also opt for your employer's health insurance, if it is offered?
  68. Should You Pay All Cash For Your Next Home?

    If you can afford to buy a home for all cash, is that the best way to invest your money? Here are the pros and cons.
  69. Medigap Vs. Medicare Advantage: Which Is Better?

    To protect against a huge bill for health costs Medicare doesn't cover, you need Medigap insurance or an HMO-like Medicare Advantage plan. How to choose.
  70. Websites That Save You Money On Hotel Rooms

    Before you just reserve a room through the hotel, check out these six discount websites. But watch out for traps like nonrefundable reservations.
  71. Medicare 101: Do You Need All 4 Parts?

    At age 65, most people have to sign up for Medicare. Learn which of its four programs are mandatory – and which you can skip.
  72. 5 Steps So You Stop Throwing Away Airline Miles

    Master these 5 steps so you stop throwing away airline miles and other travel rewards.
  73. 8 Saving Tricks That Will Leave You Feeling Richer

    Implementing money saving modifications that go beyond the standard rules of thumb can help you lower your cost of living.
  74. How To Find The Financial Advisor Of Your Dreams

    A new startup - essentially a financial matchmaking service - uses video introductions and algorithms to pair financial advisers with clients.
  75. 4 Ways to Maximize Your 401(k)

    Prime your 401(k), 403(b) or other defined contribution plan by using these techniques to boost your average rate of return.
  76. 5 Myths That Could Hurt Your Retirement

    If you're making financial and lifestyle choices based on these retirement myths, you could be missing out on benefits that could give you a better future.
  77. 5 Reasons Why Low Rates May be Harmful To The Economy

    Like quantitative easing before it, the Fed’s zero interest rate policy may actually be inhibiting economic growth and job creation in unintended ways.
  78. Want A Career In Asset Management? Read This First

    When it comes to landing that job at an asset manager, not all degrees are created equally. Here's a look at the best schools for the job.
  79. Four Ways To Spot An Emerging Market

    The term "emerging market" is frustratingly ambiguous. It means a country has at least some market liquidity. But there's much more to it than that.
  80. Seven Steps to Become Financially Independent

    With Independence Day just around the corner, now is the perfect time to finally set the goal of financial independence for yourself.
  81. Four Best Things To Buy In July

    You might worry about your budget in the summer months since it’s often a time when spending increases; the kids are out of school, the weather is warm and your favorite vacation destination is calling your name. That doesn’t mean you have to go broke, though.
  82. Is An FHA Mortgage Still A Bargain?

    If you're putting down less than 20%, the FHA's mortgage insurance premium could cost you more than private mortgage insurance with a commercial lender.
  83. How to Avoid Being the Victim of Auto Loan Rip-Offs

    It’s not easy being a car buyer. Unless you have the privilege of paying cash for a vehicle, you’re probably going to have to finance it.
  84. Have The Right Condo Insurance?

    How well does your condo's master-insurance policy protect you? Here's why you'll probably need separate insurance for your own unit and possessions.
  85. Don't Forget To Take Minimum Distributions

    Take the right required minimum distributions from IRAs, 401(k)s and the like, starting the year you reach age 70 ½. There's a huge 50% penalty for being wrong.
  86. Refinancing And Debt-Consolidation Checklist

    On the surface, refinancing a mortgage to consolidate other debts is a tempting option. However, there are potential drawbacks you need to account for in order to make refinancing and debt consolidation work for you.
  87. Why Inflation Is Still A Threat To Your Retirement

    One reason people tend to underestimate their retirement saving needs is that they fail to properly account for the impact of inflation.
  88. The Biggest Threat To The Housing Recovery

    Despite a run of positive economic news that most recently includes a surge in new home sales, you have to be prepared for the possibility of a setback.
  89. Why Aren't More Young People Buying Homes?

    One of the drivers behind our slow housing recovery is an absence of a large portion of the buying audience: young, first-time buyers.
  90. Is Whole Life An Obsolete Product?

    New, more-flexible features and current market conditions make traditional whole life insurance worth another look.
  91. Are Stock ETF Investors Placing Too Much Faith In The Fed?

    For one thing, inflation-adjusted spending declined over the last few months. That cannot be a strong sign for the U.S
  92. 5 Credit Card Traps That Will Ruin Your Summer Trip

    Summer vacations can be rejuvenating and refreshing, but also costly if you aren’t careful with how you use your credit card.
  93. Retirement Planning for the Self-Employed

    When you're self-employed, your retirement is entirely in your hands. Learn about the three retirement-savings options best suited to the entrepreneur.
  94. 6 Questions For Your Realtor

    Before you start working with a real estate agent – especially if you're the one paying the agent's commission – make sure you've made the right choice.
  95. Don't Sign That Non-Compete Without Reading This

    Non-compete contracts aren't just for high-level execs these days. How to protect yourself if your employer – or prospective employer – insists you sign one.
  96. 6 Signs You're Ready to Retire Early

    If you can answer "yes" to these six questions, you may be ready to retire early.
  97. Why Gasoline Costs What It Does

    The next time you have to dig deep into your wallet to fill your gas tank at least you'll know exactly what you're paying for.
  98. Who Gets Your Retirement Accounts?

    Are the beneficiaries of your IRA or Roth IRA who you now want to get them? How to update if your life's changed since you first filled out the forms.
  99. Is "100 Minus Your Age" Outdated?

    A longstanding rule of thumb says that your stock allocation should equal "100 minus your age." Now, some experts suggest being a little more aggressive.
  100. Boom or Bust? The End of China's One-Child Policy

    China's easing of its one-child policy has demographers speculating whether it'll lead to a baby boom. Here's why it might not.
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