Personal Finance Articles

  1. Teachers: Who is Managing Your 403(b)?

    It's imperative that teachers research the practices of their retirement fund managers, who should always be working in their ...
  2. Tax Tips for Employee Stock Purchase Plans

    Tax rules for sales of employee stock purchase plan shares can be tricky. Here is what you need to consider.
  3. How Does Arbitrage Betting Work?

    Arbitrage betting is a method or system for exploiting differences in odds for profit.
  4. How Square Cash Works and Makes Money (SQ)

    Square Inc. has rapidly grown into one of the largest payment processing companies in the United States, and here's how it ...
  5. How Do Pension Funds Work?

    Traditional private pension funds are well regulated by the government through ERISA and the PBGC. Alternative investments ...
  6. How to Protect Assets from Creditors and Lawsuits

    Proper planning is required to ensure that a client’s assets are truly protected. Here are some strategies that can help ...
  7. Debt After Death: Do Kids Owe for Parents?

    More and more Americans are dying while in debt. Are children responsible for the debts of their parents? What’s the scoop ...
  8. 3 Things a Personal Finance Class Can't Teach You

    A personal finance class teaches the basic tenets of spending, borrowing and investing. However, some financial concepts ...
  9. Do Credit Unions Offer the Best Auto Loan Rates?

    Credit unions' auto loan rates are often lower than the rates at dealerships and traditional banks. Learn the pros and cons ...
  10. Do You Make More Money Than a Cruise Ship Captain?

    As the cruise-ship industry continues to grow, ship captains are in demand, but it's a strenuous and demanding path to the ...
  11. America's Best 10 Banks for Customer Service (HBAN, TD)

    When investing in the retail banking sector, consider using J.D. Power’s customer satisfaction score as a performance metric ...
  12. Risks and Opportunities of Buying Groupon Stock (GRPN)

    Groupon's business model means it faces a number of risks relating to its operational environment and competitors. Here's ...
  13. Groupon: Do Sales Taxes Still Apply? (GRPN)

    Merchants must be able to properly determine whether they owe Groupon taxes on the retail price of the items being offered ...
  14. With Election Looming, Fundamentals & Fed Matter for Investors

    This has been an unusual election in the United States, to say the least. We discuss some of the potential investment implications ...
  15. Managing Inherited IRAs: Distributions and Taxes

    If you have inherited an IRA account you don’t need to turn it over to the estate, regardless of what the will says.
  16. A Back-to-School Savings Study Guide

    These four easy tips will help you spend less on back-to-school shopping no matter when you go.
  17. Cash Value vs. Surrender Value: What Is the Difference?

    How much you actually receive from the cash value of your life insurance policy is based on the surrender value, which can ...
  18. StubHub's Top 4 Competitors

    StubHub operates the leading online marketplace for buyers and sellers of tickets, but it faces competition from four companies ...
  19. 3 Jobs With Good Retirement Benefits

    Jobs with retirement benefits are sought after by U.S. employees. Those retirement benefits can include pensions, 401(k) ...
  20. Robots at Work: 6 Ways to Beat Workplace Automation

    As companies become increasingly automated and human workers are replaced by robots, there are ways to stay relevant in the ...
  21. Understanding Rules on Defined Benefit Pension Plans

    Defined benefit plans offer advantages to both employers and employees. Employers must understand the federal tax rules when ...
  22. 5 Strategies to Avoid Outliving Your Money

    Follow these steps to make sure your money lasts as long as you do during retirement.
  23. Mortgage vs. Home-Equity Loan: How They Differ

    Mortgages and home-equity loans both use the borrower's home value as collateral.
  24. How a Personal Pension Scheme (PPS) Works

    A personal pension scheme is a U.K. tax-privileged individual investment vehicle. Find out how this works and the benefits ...
  25. New Rule Opens Door for State-Run Retirement Savings Plans

    The Department of Labor is enticing state governments to set up state-run retirement plans for private-sector workers, but ...
  26. Top 7 Companies Owned by Volkswagen (VW)

    Pursuing a strategy of diversification focused on quality and performance, Volkswagen Group has acquired a diverse portfolio ...
  27. When a 401(k) Hardship Withdrawal Makes Sense

    If you've exhausted all other avenues, there are ways to withdraw funds before age 59½ – sometimes without the 10% penalty ...
  28. Life Insurance for a Newborn Baby

    In most cases, this is unnecessary, though a small policy offers benefits in certain cases.
  29. How to Cherish the Days of Retirement

    We spend much of our lives saving for retirement, so it makes sense to spend a few years planning how to make the most of ...
  30. Top 10 Bank Stocks for 2016

    Bank stocks have performed strongly in August 2016, as the prospect of an interest-rate hike increases. These top stocks ...
  31. Who Is Driving Ford Motor's Management Team? (F)

    Mark Fields, John Casesa, William Clay Ford Jr. and Paul Ballew are Ford executives who worked their way to the top of the ...
  32. Stories of 3 of the Most Successful Financial Advisors

    It takes determination to become a successful financial advisor, and three of the most successful advisors have overcome ...
  33. Don't Listen to Advice Without Considering Taxes

    Do not fall prey to the flawed advice that we all have gotten in the past when it comes to saving for retirement. And don't ...
  34. How Splitwise Works and Makes Money

    Discover how Splitwise serves consumers by providing a free app that allows people to split expenses and pay them by cash, ...
  35. Living with Elderly Parents? Here Are 6 Top Costs

    Living with an elderly parent is a major life change for all of you. Besides the emotional impact, the financial effects ...
  36. Can You Retire In Greece with $200,000 of Savings?

    If you love Greece, its economic problems don't necessarily rule it out as a retirement destination. Here's what to research ...
  37. 3 Graphene Companies to Invest In

    One-sixth the weight of steel and 200 times stronger, graphene could revolutionize several industries.
  38. 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 ...
  39. 5 Top Tax Concerns Clients Face

    Financial advisory clients may have more tax issues as their financial plans become more complicated. Here are a few of the ...
  40. What to Expect When Using Robo-Advisor Betterment

    Betterment is the largest robo-advisor with more than $5 billion in assets under management. Here is what to expect when ...
  41. Should Retirees Be in the Stock Market Now?

    The question of whether retirees should be in the stock market is complex. A look at the market in 2016 can help retirees ...
  42. 7 Ways Amazon Uses Big Data to Stalk You

    Using predictive analytics, Amazon anticipates what you are likely to buy, when, and has it boxed and waiting in its nearby ...
  43. What to Expect When Using Robo-Advisor Wealthfront

    Wealthfront is one of the premier robo-advisors. Here's a breakdown on the brokerages fees and features.
  44. Buying a Home: Cash Vs. Mortgage

    If you have the funds, should you buy your home with all cash? Here's how to decide which option – cash or mortgage – makes ...
  45. For Richer Not Poorer: Finance Tips for Newlyweds

    The happy couple should start talking about finances early, and keep talking, for the best chance at a financially secure ...
  46. 3 Reasons Why Pet Stocks Could Be Recession-Proof

    Consumers are spending increasingly more on their animals, regardless of how the economy is doing.
  47. Chart of the Week: A Boon for Bonds

    Global corporate bond spreads have shrunk this year and are expected to tighten further, should the European Central Bank ...
  48. How Much Do Home Appraisers Make?

    Experience and training can create a high-paying career as a home appraiser, despite competitive pressures and a high level ...
  49. How Master Limited Partnerships are Taxed

    MLPs are a different animal when it comes to taxes. Here's how they work.
  50. Things Your Annuity Salesperson May Not Tell You

    Your variable annuity salesperson should tell you many things. But there's a chance they'll leave out some crucial details.
  51. Here's How Bill Gross Became a Millionaire

    Learn how Bill Gross, co-founder of PIMCO and its Total Return Fund, became known as "The Bond King" and left PIMCO with ...
  52. Fidelity IRA and Roth IRA Review

    Fidelity is a widely recommended online brokerage that offers IRAs and Roth IRAs, as well as other investments, with low ...
  53. 3 Low Price-to-Book Ratio Stocks to Consider in 2016 (NWS, FCAU)

    These three stocks with low price-to-book ratios have promising prospects of turnarounds and improvements in operating metrics.
  54. Why Early Retirees Should Reconsider the 4% Rule

    Although retirement rules of thumb can be helpful with long-term goals, retirees need flexibility and risk awareness. Sometimes ...
  55. Top 4 Companies Owned by L Brands, Including Victoria's Secret (LB)

    L Brands, owner of lingerie giant Victoria's Secret, holds a majority ownership in three other popular brands that have allowed ...
  56. Top 8 Companies Owned by Swatch (UHR.VX)

    Swatch's success in the watch manufacturing and development industry is attributable to its numerous subsidiaries, obtained ...
  57. How to Figure Out Your Retirement Money Needs

    Running out of money in retirement can be a tragedy for you and your family. Consider the following factors when determining ...
  58. Most Profitable Clothing Companies of 2016 (NKE, TJX)

    The five most profitable United States-listed clothing companies began 2016 with quarterly net income between $150 million ...
  59. Self-Directed IRA Exemption: Advisors Take Note

    Here's how the new fiduciary rule impacts custodians of self-directed IRAs and clients who are seeking advice.
  60. How to Financially Advise Newly Single Clients

    People who become newly single due to the death of a spouse or divorce have a unique set of financial needs that must be ...
  61. The Real Cost of the Rio Olympics

    Brazil spent $4.6 billion on hosting the Rio de Janeiro Olympics, but the real cost could be much greater.
  62. How Seniors and the Elderly Can Obtain Life Insurance (MET)

    As life expectancy increases, various life insurance options are available for applicants older than the age of 50, even ...
  63. How Does Amazon Charge Taxes on Its Products? (AMZN)

    Most of the tax burdens are shouldered by retailers and individual sellers, creating hidden costs for consumers.
  64. Protect Yourself From Tax Hackers

    By taking a few basic precautions, you can prevent tax hackers from stealing your Social Security number and claiming the ...
  65. Top Royce Funds for Retirement (RYFSX, RYSEX, RYTRX, RYIPX)

    Discover four of The Royce Funds mutual funds suitable for diversifying retirement portfolios that focus on investing in ...
  66. Can You Afford College Costs in 18 Years?

    While saving for your children's college education remains a better late than never proposition, starting early ultimately ...
  67. How Life Insurance Can Help With Cash Accumulation

    Did you know permanent policies also offer the prospect for reasonable cash value accumulations?
  68. Taxes on Endowments, How It Works

    Endowments and endowment funds are critical for non-profit organizations, and payouts are generally not taxable - but there ...
  69. How to Grow Your Tax-Free Bucket of Money

    For soon-to-be retirees, the Roth 401(k) offers a quick way to build up your tax-free bucket for a more comfortable retirement.
  70. A Few Crumbs for Coach

    Free snacks and more are now being offered by major carriers on economy class flights. Record profits make it possible. Competition ...
  71. Top 5 Sporting Goods Stocks of 2016 (NKE, UA)

    Five iconic brands have histories of strong growth in their operations.
  72. Top 3 Pet Food Stocks of 2016 (BUFF, SPB)

    The pet food industry rakes in more than $22 billion annually. Consider these top stock picks for 2016.
  73. Top 5 Lumber Stocks of 2016 (WY, RYN)

    Lumber prices advanced in the first half of 2016 due to robust housing construction in the United States. These five lumber ...
  74. What to Consider When You Finance a Home

    These are the many factors that need to be considered when obtaining financing for a home.
  75. Are Low-Volatility ETFs Becoming Overvalued?

    Has the popularity of low-volatility ETFs caused them to become overvalued and more risky than investors and advisors expect? ...
  76. Will Brazil's Economy Improve After the Olympics?

    There are still no signs that hosting the 2016 Olympic Games is helping Brazil's worst recession in history.
  77. How Retirees Should Think About Retirement Income

    It’s the savings you have accumulated for retirement that make the difference between just getting by and being able to enjoying ...
  78. 5 Best Banks for Home Loans (FRME, RF)

    Here are the five best banks for home loans, broken down into the best 30-year fixed, 15-year fixed, 5/1 ARM, FHA and VA ...
  79. How to Manage Entrepreneurial Risk

    Entrepreneurs face many risks that general employees don't. Understand these entrepreneurial risks and find out how to mitigate ...
  80. How Utmost Good Faith is Applied in Practice

    The principle of utmost good faith is an articulation of the need for both parties to act in a completely open and honest ...
  81. How Online Banking Is Overtaking Traditional Banking

    Is traditional banking doomed to be surpassed by online banking?
  82. How Robo-Advisors Can Fill Mass-Market Advice Gap

    As advisors turn their sights to wealthier investors, robo-advisors are increasingly becoming a reasonable option for so-called ...
  83. A Cautionary Tale About Retirement Calculators

    How comfortable would you be if you knew that the online retirement calculator you used failed its own test?
  84. Mortgage Payments Don't Decrease Over Time (Most of the Time)

    Mortgage payments do not decrease over time in most cases. However, their composition changes in other ways, such as having ...
  85. Traps That Lead to Market Underperformance Part II

    There is a vicious investing cycle that impacts many young and first-time investors.
  86. Best 2016 IRA Promotions (ETFC, BAC)

    Here are some of the best IRA promotions of 2016, with significant bonuses for large deposits.
  87. How to Follow Investment Committee Best Practices

    More plan sponsors are forming investment committees to fortify their fiduciary standards. These are best practices for investment ...
  88. Venmo vs. Square Cash vs. Google Wallet: How They Compare (SQ, GOOGL)

    Mobile P2P payment services facilitate financial transactions, and Venmo, Square Cash and Google Wallet are three major players. ...
  89. How to Avoid Student Loan Forgiveness Scams

    If someone tries to make you pay to get 'Obama student loan forgiveness,' don't fall for it. The lowdown on this scam – and ...
  90. 5 Best Entry-Level Work-From-Home Jobs

    Good paying jobs are becoming more plentiful for people who prefer working from home. These are five of the best work-from-home ...
  91. 5 Best Companies to Refinance Your Car (STI)

    High interest on a car loan can cost you money that you could be using to pay down other bills. Check out the best auto refinance ...
  92. Vanguard IRA and Roth IRA Review

    Vanguard, one of the industry's largest IRA providers, offers a multitude of low-cost, high-performing retirement account ...
  93. What Are the Pros and Cons of Raising the Minimum Wage?

    With the debate on wages continuing in Congress and in the public arena, here are some of the major pros and cons of raising ...
  94. How Acorns Works and Makes Money

    Acorns is an easy-to-use investment app that offers users a simple way to save more and learn basic investing principles.
  95. Is Your Client Ready for an Early Retirement?

    Make sure these factors are on your checklist to ensure your client can retire early.
  96. Are the Financial Benefits of Marriage Still Appealing for All?

    Because many men and women are earning higher incomes, the financial benefits of marriage may not be as great as they were ...
  97. Landlord vs. REITs: Pros and Cons

    Becoming a landlord and buying REIT shares are two ways to invest in real estate. Which is best for you?
  98. Who Is Driving Amazon's Management Team? (AMZN)

    The management team at Amazon.com, headed by Jeff Bezos, continues to propel the company's expansion into new business lines ...
  99. MasterCard vs. AMEX Platinum Card: Which Has Better Benefits? (MA, AXP)

    Both are good choices, but which is best?
  100. 5 Cheapest Celebrity Homes for Sale

    When considering residential real estate as an investment, watch for listings of homes formerly owned by celebrities as potential ...
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