Personal Finance Articles

  1. When Is Rent Guarantee Insurance a Good Idea?

    Prospective renters are turning to rent guarantee insurance to boost their chances of getting approved by a landlord or management ...
  2. Selling Your House? Avoid These Mistakes

    Don't put the sale of your home at risk by committing one of these dirty deeds.
  3. Is House Price or Interest Rate More Important?

    Deciding which factor is more important can make a difference in monthly payments, ability to move and Homowner's Association ...
  4. Bad Credit? You Can Still Get a Home Equity Loan

    If your credit history is less than stellar and you need cash, you may be able to get financing – but it will come at a price.
  5. Breaking Down Medicare Open Enrollment for Clients

    For financial advisors, open enrollment is an important opportunity to be of service to clients, especially when it comes ...
  6. How Baby Boomers are Pushing ETF Growth

    A new report reveals that Baby Boomers are the generation most interested in ETFs, the growth of which continues to mushroom. ...
  7. Home Sale Contingencies: What Buyers And Sellers Need To Know

    Home sale contingencies protect buyers who want to sell one home before purchasing another. Find out what buyers and sellers ...
  8. What You Need to Know About Medicare Open Enrollment

    Successfully navigating the Medicare Open Enrollment period (Oct. 15 to Dec. 7) means understanding the rules to avoid potentially ...
  9. CDOs and the Mortgage Market

    These structured products contribute to keeping borrowing rates low.
  10. How the Federal Reserve Affects Your Mortgage

    The Federal Reserve can impact the cost of funds for banks and consequently for mortgage borrowers when maintaining economic ...
  11. How to Retire on a Cruise Ship with Less Than $1 Million

    Cruising the high seas permanently in retirement doesn't necessarily require a million-dollar nest egg.
  12. Four 401(k) Benefits You Should Take Advantage Of

    If you’re saving for retirement through your employer, there are certain 401(k) benefits that can make planning for retirement ...
  13. The 4 Essential Elements of a Retirement Plan

    Learn about the four essential elements of an effective retirement plan, including maximizing your contributions and understanding ...
  14. Use These 7 Tips to Save on Dec./Jan. Holiday Flights

    Here's how to save money on holiday travel by picking the cheapest flight times and destinations - and taking advantage of ...
  15. How a Roth IRA Works After Retirement

    What retirees need to know about taxes, distributions and passing on your unspent savings to the next generation.
  16. Healthcare Documents You Need In Place Right Now

    If you become incapacitated, here are some documents that should be in place to say who is authorized to speak on your behalf.
  17. The Best Life Insurance for Military Families

    Two of the most common types of life insurance are term and whole life. Here's why the latter isn't a good idea for most ...
  18. 3 Crucial Tips for Living Within Your Means

    Looking to live within your means? Here are three tips to get you started.
  19. How to Help Clients Reduce Student Loan Debt

    Student loans can keep clients from financial goals such as saving for retirement. Here's how advisors can help their clients ...
  20. Surprise! The Best Long-term Bond Investment May Be Savings Bonds

    A 20-year Series EE savings bond pays more interest than a 20-year Treasury bond. So are government-issued long-term bonds ...
  21. Are High 401(k) Fees Putting Your Retirement At Risk?

    Research shows that most people don't know they are paying any fees in their 401(k) plan. These fees can eat away at investments.
  22. Long-Term Care Expenses: What You Should Know

    Being prepared for long-term care is a critical element of financial planning. Here's what it costs.
  23. How to Go High-Profile with Your Advisory Firm's Website

    Here's what you can do to turn your website into a high profile one and generate a larger volume of traffic.
  24. Female Breadwinners: Outsource the Necessities

    How might hiring help for household chores and other pieces of your daily routine reduce stress and increase happiness for ...
  25. Teachers: Get Schooled on Your Retirement Strategies

    If you're a teacher, you have unique circumstances when it comes to planning for a successful retirement. It's important ...
  26. Managing Personal Finances: Your Annual Self-Check

    Taking a step back and assessing your personal finances each year can show how well you're doing with saving and what's needed ...
  27. Health Savings Accounts: What You Need to Know

    The the popularity of Health Savings Accounts is on the rise. Here's how they work.
  28. Advisors: Yes, Wealthy Investors Are Reading Your Blogs

    Advisors who don’t blog are missing out on connecting with current or potential clients, especially high net worth ones. ...
  29. Top Tips For Successfully Renting Out Your Home

    Renting out your home can be a great way to ride out a real estate slump - if you do it right.
  30. Retirement Investment Strategies by Age

    Saving and investing for retirement ideally should begin the moment you start working — if not before — and continue well ...
  31. 4 Key Factors That Drive The Real Estate Market

    Whether you are investing directly or indirectly in property, you need to know the factors that affect its value.
  32. How to Keep Life Insurance Costs Down

    Curbing all costs and expenses is a priority for most people and buying life insurance is no different. Here's how to go ...
  33. How to Keep Accounts Safe From Cyber Criminals

    With the advancement of financial technology online comes the risk of criminals who try to hack your accounts. Here's how ...
  34. What Are The Pros and Cons Of A 15-Year Mortgage?

    The shorter term, and higher monthly payment, are only part of the picture.
  35. Americans' Biggest Retirement Fear: Outliving Money

    No matter how strong your retirement plan may be, longevity risk - the fear of outliving your money - is real. How are Americans ...
  36. How an Opt-In Box Can Grow Your Email List

    Email is powerful for communicating with your financial advisory clients and nurturing prospects. Here are some tips on how ...
  37. Start a Side Gig for Extra Cash and Fulfillment

    Have you ever thought about getting a second job? Another income source can add a lot to your life. Here's how to get started ...
  38. Retirees: 7 Lessons from 2008 for the Next Crisis

    When the last big market crisis hit, many retirees ran to the sidelines. Next time, there are better ways to manage your ...
  39. Too Much Debt For a Mortgage?

    Just because a lender is willing to offer you a loan doesn't mean you should take it.
  40. Top 5 Most Expensive Superyachts in the World

    Want to know what the world's most expensive private yachts are like? Here's a list of the five largest superyachts on the ...
  41. It's Not Just Trump: Meet the HINTs (High Income, No Taxes)

    Donald Trump may be the most flamboyant example, but so many affluent Americans don't pay taxes that the IRS even has a nickname ...
  42. 10 Ways to Save Your Retirement: It's Not Too Late

    It's not too late to start saving for your retirement, even if you took longer to start thinking about it and doing something ...
  43. 9 Businesses That Thrive In Recession

    Some companies improve their bottom line as many people make more conservative decisions with money during a recession.
  44. Financial Independence Is More Than Just A Number

    Managing financial independence is not a set-it-and-forget-it thing. Maintaining a balance between lifestyle and your financial ...
  45. 3 Secrets Of Successful Companies

    Make smart investments by spotting up-and-coming success stories early.
  46. Start Your Financial Plan by Talking About Money

    The ability to take control of your financial life and determine what wealth means to you begin with a simple conversation.
  47. What Not To Say In A Job Interview

    Don't let your nerves get the best of you during a job interview, and avoid these major flubs.
  48. 5 Tough Interview Questions And How To Answer Them

    Don't get caught unprepared when your prospective employer throws these questions at you in the interview.
  49. Tax Deductions on Mortgage Interest

    If you're a homeowner, this is one item you want to understand and use on your return.
  50. Don't Get Scammed by Fake IRS Phone Calls

    There's been an increase in fraudulent phone calls and emails from people pretending to be the IRS. Here's how to know if ...
  51. Estate Planning for Beginners, Part One

    Where do you start with estate planning? Here's a helpful outline to make sure your assets go where you want them to in the ...
  52. Advantages And Disadvantages Of Using A Mortgage Broker

    Mortgage brokers may be able to find you the loan of your dreams, but you should consider the potential downsides before ...
  53. Ten Social Security Questions Everyone Asks

    The average American doesn’t know enough about Social Security. Here are answers to 10 of the more common questions people ...
  54. What Is and Isn't Covered by Homeowners Insurance

    Understanding what your insurance covers can be confusing. Learn what almost all insurance policies have in common so you're ...
  55. Merrill Drops Commission Retirement Offerings

    In the wake of the fiduciary rule, Merrill Lynch is dropping commission-based transactions from all of its retirement accounts.
  56. Fee-Only Financial Advisors: What You Need to Know

    Are you considering hiring a fee-only financial advisor or one who is compensated via commissions? Read this first.
  57. Get Connected to the Mainstreaming of Renewable Power

    Amid growing investor interest in real assets, let's talk about the changing global energy landscape, highlighting the investment ...
  58. Top Tips for Retirement Account Withdrawals

    Top things you need to know when it comes to managing the complex task of retirement account withdrawals.
  59. How to Help Women Who Are Single in Retirement

    The majority of women over the age of 65 are single. Here are five ways advisors can help these clients prepare for and manage ...
  60. Social Security Tips for Divorced Retirees

    These tips will help divorced retirees navigate recent changes to the laws covering Social Security benefits.
  61. How to Make Your Own Retirement Fund

    Making sure you have a large enough nest egg to retire on is a challenge. Here's how to accomplish the task, one step at ...
  62. How to Make Your Car Less of an Expense

    The cost of a car can be a sinkhole for your money. Here are a few ways to save money when you're buying your next car.
  63. 529 Plans: Your Most Pressing Questions Answered

    When parents start preparing for college costs, here are the most commonly asked questions about 529 plans.
  64. Adding Personal Finance to Your Kids' Curriculum

    As a parent, you can help your child be smart about finance by teaching them a few core principles. Here are the basics that ...
  65. Best Possible Retirement: 4 Things You Can Control

    You can't control the economy or the stock market, but you can time 4 crucial moves that will make a big difference to your ...
  66. 9 Top Tips on How to Retire Like the Rich

    What can you learn from the wealthiest investors when it comes to saving for retirement? Here are their top tips.
  67. Why Bonds May No Longer Be Able to Save Stocks

    Historically low bond yields have helped boost stocks in recent years. We discuss why this may no longer be enough.
  68. Hurricane Insurance Deductible Fact Sheet

    If you're a homeowner with property in a high-risk hurricane area, you need to understand the special details of your hurricane ...
  69. How to Financially Prepare for a Hurricane

    Insurance isn't enough: How to ensure that you're ready financially for a natural disaster.
  70. The Good News About Long-Term Care

    Two options have emerged that allow long-term care policyholders to gain control over premium increases.
  71. Do Retirement Accounts Go Through Probate?

    It's tough when retirement accounts have go through probate, tying up those funds after death. Here is how you can prevent ...
  72. Target-Date ETFs in a 401(k)? Probably Not. Here's Why

    Target-date ETFs aren't likely to become a popular offering in defined contribution plans any time soon. Here's why.
  73. Seeking Higher Income in Your Retirement Accounts?

    Fed up with the bond market’s ultra-low yields? You can also consider investing in real estate using a self-directed IRA.
  74. Jumbo Mortgage Limits: How Much Can You Borrow?

    If you want to buy a home that costs close to half a million or more, you likely need to know what the jumbo mortgage limits ...
  75. The Way You Think About Money and Your Finances

    While your early memories of money may influence your current and future decisions, you don’t have to be ruled by them.
  76. 4 Estate Planning Documents You Need to Have

    Here's the lowdown on the four essential legal documents you need—right now—to have in place before you die.
  77. Why Employer Healthcare Costs Are Rising for Employees

    It's no illusion that health insurance is getting more expensive, and employer healthcare costs that are passed on to employees ...
  78. What to Tell Clients Who Worry About Inflation

    Although CPI numbers may be low, many clients are feeling the bite of inflation. Here's how to counsel them.
  79. The 10 Cheapest, Safest Retirement Countries in the World

    If you are looking to retire somewhere with a lower cost of living – and a peaceful environment – these 10 nations offer ...
  80. Top 5 Things to do When You Retire

    Substitute "when you retire" for "when you grow up" and it's the same open ended question. Here are some universal ideas ...
  81. Female Breadwinners: How to Tackle Money Issues

    Women who earn their household's primary income are a growing minority faced with unique challenges at home, at work, and ...
  82. Are Retirement Villages a Good Investment?

    Demographic trends suggest that the days ahead are bright for retirement villages. But that doesn't mean they're foolproof ...
  83. 5 Financial Mistakes Business Owners Can Avoid

    Here are five financial mistakes business owners typically make, and strategies to ensure you don't make them.
  84. 12 Things You Need To Know About Financial Statements

    Discover how to keep score of companies to increase your chances of choosing a winner.
  85. Advisors: Don't Lose Clients to Digital Attrition

    If a prospective client is deciding between you and another advisor, your digital experience is likely a contributing factor ...
  86. What Advisors Need to Know About Gen X and Gen Y

    To remain relevant, financial advisors must understand the viewpoints of the next generations. Recent research shows that ...
  87. Managing Student Loans: 3 Things to Consider

    You can better manage the burden of student loan debt by following these three steps.
  88. Is the Roth IRA Under Threat?

    Roth IRAs are one of the most popular retirement savings accounts. Could Congress ever decide that too much money is being ...
  89. Retire in Thailand with $200,000 of Savings?

    How long would $200,000 in the bank last if you retired to Thailand? Pretty long, especially if you also get Social Security.
  90. 5 Important Steps to Take Before You Buy a Home

    If you're looking at home ownership, here are some steps you should consider taking before making the plunge.
  91. Millennial Banking: A Look at Chime and Simple

    Here's what Millennial banking looks like—and what users can expect with these new technology platforms.
  92. The Dangers of Getting a Paycheck on a Prepaid Debit Card

    Receiving your paycheck on a prepaid debit card may seem like a boon until you discover all the fees that can come with it.
  93. 7 Money Tips for Millennial Parents

    Millennial parents have graduated with massive student loans into a job market that makes them work hard for less money. ...
  94. Unemployed? 5 Smart Ways to Get Control of Debt

    When you're unemployed and barely making ends meet, smart debt advice can help you stay on top of your payments and protect ...
  95. Tale of Two Charities: Trump's Helps Trump, the Clintons' Is the Real Deal

    The Clintons have been quite literally a thousand times more charitable than The Donald. And now the Trump Foundation is ...
  96. Art of the 'Steal': How Trump Lost $916M and Avoided Tax

    This is how Donald Trump’s accountants most likely used the tax code to avoid paying income tax for almost two decades.
  97. Top 5 Rookie Mistakes Financial Advisors Make

    From a senior advisor to you: Here are five rookie mistakes that many financial advisors make.
  98. Is it Smart to Avoid Paying Federal Income Tax?

    Not paying federal income taxes might sound appealing, but is it really a good idea?
  99. 401(k) vs. IRA: Which to Fund When

    Here are some points to remember as you're choosing where to put your retirement savings.
  100. How New IRA Rollover Rules Impact Your Clients

    The IRS has made it easier and less costly for clients who miss the 60-day IRA rollover window.
Hot Definitions
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