Personal Finance Articles

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  1. 3 Ways To Cheat Government Assistance Programs

    Government assistance programs are designed to give struggling Americans access to basic needs like health care, food and ...
  2. Saving On Bankruptcy Costs

    Going bankrupt is awful enough without worrying about ways to pay for it. Here's how to save on lawyers, filing fees and ...
  3. Bankruptcy And Your Credit Score

    Use these 7 strategies to start improving your credit score from the huge hit it takes after a bankruptcy.
  4. When To Declare Bankruptcy

    When is bankruptcy the best or only route– and when is it better to look at alternative solutions? And should you always ...
  5. An Introduction to Government Loans

    Government loans further policymakers' efforts to create positive social outcomes by offering timely access to capital for ...
  6. Rent-To-Own Homes: How The Process Works

    Here's what to watch for when negotiating a contract for a rent-to-own home – and who is a good candidate for this option.
  7. How The IRS Works: Functions & Audits

    Even the most enlightened citizen curses taxes, possibly while simultaneously acknowledging that they're the price of a civilized ...
  8. Student Loan Reality Check

    With college students back in classes for the fall semester, their parents can only hope that they are making the best use ...
  9. How To Choose An Affordable Financial Planner

    Choosing a financial planner is a decision that shouldn't be taken lightly. In fact, this decision is just as important as ...
  10. Who Should Buy 'Rent To Own'

    The monthly payments sound small, but they add up. Here's how "rent to own" works and who might benefit from it. Or not.
  11. Finding Rent-To-Own Homes

    Rent to own can be a route to owning your own home. But searching can be costly and complicated, and leases may have pitfalls. ...
  12. Is It Smarter To Save Money Or Earn More Income?

    When it comes to money, what's your financial focus? My poor dad spent much of his energy working for others and saving as ...
  13. What Does Retirement Abroad Cost?

    There's no set amount. Generally, smaller places and less developed countries offer the best bargains, but factor in your ...
  14. What Bill Gross, Steve Jobs and Steve Wynn Share

    Few people build a multi-billion dollar business and leave it. But these did just that.
  15. Should You Invest In Fannie Mae Stock?

    If you're risk-adverse, you might want to avoid investing in Fannie Mae. But if you're up for it, high risk could translate ...
  16. The Top Ways to Fund Your New Business

    Crowdfunding is no magic bullet for funding a business. However, P2P lending companies have made applying for a personal ...
  17. 4 Best Things To Buy In October

    It's cooling off, which means everything you need for spring and summer is starting to go on sale now, when you least need ...
  18. What PayPal’s Split From EBay Means For Customers

    EBay announced Tuesday that it will be splitting from PayPal to make the payment company its own entity.
  19. Retirement: U.S. Vs. Abroad

    Which option would make more sense for you: retiring abroad or staying at home in the U.S.? A look at the advantages and ...
  20. Retirement Abroad: 5 Unexpected Foreign Cities

    If retiring abroad is your dream, here are some less well known destinations where the culture is rich; the scenery, lovely ...
  21. Want an Easy Retirement? Don't Go Here

    Looking for a good place to retire? You might want to avoid these cities.
  22. Retirement Strategies For Low Income Seniors

    Plans and strategies for building a healthy and satisfying life, even if your retirement income isn't as high as you wish ...
  23. Can I Afford To Go Vegan Like Bill Clinton?

    Former U.S. Bill Clinton surprised many a few years ago when he announced his decision to become a vegan. In a meat-loving ...
  24. File Chapter 7 Bankruptcy

    Chapter 7 is the "liquidation" form of bankruptcy. When people file for Chapter 7, the trustee may sell some of the filer's ...
  25. The Best Jobs for Retirees

    We explore seven great career options for retired people.
  26. The Best Retirement Plans For Millennials

    Retirement is decades away, but if you make yourself start saving even a little now, all that time can make your money grow ...
  27. The Irreplaceable Brand Of Donald Trump

    Donald Trump has said that in order to succeed in real estate it's vital to enhance your location. His golf course investments ...
  28. I Was Intimidated By Investing, But Here's How I Got Started

    The first time I felt intimidated by adult responsibility, I was three months out of college. It was my very first job interview ...
  29. Are Your Children Destroying Your Retirement?

    I can still remember the days when the term "generation gap" was all the rage, back in the late 1960s and early 1970s.
  30. Rental Property: Getting Rich Means Taking It Slowly

    I have two second cousins who serve in the military. We don't always talk much, though. The age gap can be a roadblock and ...
  31. The Other Personal Bankruptcy Option: Chapter 13

    In a Chapter 13 bankruptcy, filers develop a plan to repay all or part of their "past due" debt. Any allowable debt left ...
  32. Finding Per Diem Rates

    Here's why per diem rates differ so widely and how to find the rate for your business destination. Also check the IRS high-low ...
  33. Understanding 'Per Diem'

    Per diem is one method for reimbursing employees for business-travel expenses. Companies using the per diem method must follow ...
  34. How Wells Fargo Became The Biggest Bank In America

    How does WFC make money? They lend it out at a higher rate than they borrow it at. Simple, right? But the real story is how ...
  35. When To Drop Collision -- And Risk It All

    Thinking about dropping the collision coverage on your trusty but aging jalopy? You're most likely to do so after the car's ...
  36. Equipping Your Graduate With Wings

    After I graduated from high school, I moved out of my parents' home. Shortly after moving out I realized I wasn't quite as ...
  37. The Pros And Cons Of Refinancing A Mortgage Loan

    Current refinance rates are at all-time lows; as such, refinancing a mortgage is more attractive than ever before.
  38. How To Refinance When You Are Self-Employed

    Refinancing is complicated, uncertain, nerve-wracking, time-consuming and expensive - here are tips on how to do it when ...
  39. Should You Spend Your Money Or Your Time?

    We've all heard that time is money. It can mean various things to various people. Over time, if you save and invest, you ...
  40. Budget Tips for Foreign Students in the U.S.

    Financial tips and considerations for foreign exchange students coming to the U.S - most exchange students in the U.S come ...
  41. How the Affordable Care Act Changed Insurance

    6 Ways Obamacare Impacts the Health Insurance Marketplace
  42. 10 Mistakes To Avoid When Trying To Save Money

    Addressing the issue of saving money is the most fundamental, yet neglected aspect of personal finance in the U.S. today.
  43. Human Capital, An Important Asset For Portfolio Diversification

    An investor’s total wealth consists of two parts – financial capital and human capital. The latter should not be overlooked ...
  44. Impact Of Continuing To Work In Retirement

    What if you just kept working instead of retiring when you reach 65 or 66? Here's how to calculate how it would affect your ...
  45. Financial Advisors Are Feeling Cyber-insecure

    Financial advisors are increasingly fretting over cybersecurity and client data breaches. Here's what they and their clients ...
  46. Typical Retirement Expenses

    Travel is one thing people start doing more of when they retire. Here are ways to think about how your spending may change ...
  47. What You Need To Know About Fannie Mae Mortgages

    Considering a Fannie Mae mortgage loan? Here's what you should know, from size limits and rates, to required documents.
  48. The Better Inflation Hedge: Gold or Treasuries?

    Owning gold may not be the best option for hedging against inflation. What else, then? Try treasuries or gold ETFs.
  49. What Type Of Person Needs A Financial Adviser?

    What kind of person should enlist the help of a financial advisor and who might be better off going it alone?
  50. Entrepreneur Vs. Small Business Owner, Defined

    An entrepreneur is different from a small business owner, and requires a different temperament.
  51. The Retired Person's Guide To Managing Expenses

    Use these strategies for managing your expenses when retired, and you'll be able to enjoy life with a minimum of unpleasant ...
  52. 5 Signs You're Spending Too Much In Retirement

    You're finally retired – free to have all the adventures you've dreamed of. Just be sure you have a budget and watch for ...
  53. 7 Signs You're Spending Too Little In Retirement

    Everyone worries about spending too much when they're retired. But you can also spend too little – and even risk your health. ...
  54. Benefit From Senior Discounts

    Retirees and other seniors can save a surprising amount of money using senior discounts. In fact, some places start the senior-savings ...
  55. Retirement: What Percentage Of Salary To Save?

    There's new research on what percentage of salary you should save to ensure you end up with enough for a comfortable retirement. ...
  56. Investing In Luxury Real Estate

    You might not have the money for a luxury home of your dreams, but that doesnt mean there aren't still plenty of ways to ...
  57. Comparing Credit Card Companies

    The four main credit card networks all have distinct strengths and drawbacks. Be sure you understand their unique traits ...
  58. How To Score A Private Student Loan

    Think of private student loans as a last resort to pay for college – they cost more than other types. Here's how to find ...
  59. Six Steps To A Better Business Budget

    This easy but essential process helps owners ensure that their businesses can stay afloat.
  60. How To Avoid Buying A "Lemon" Product

    A lack of information can lead people into bad purchases and bad investments. Find out how you can avoid these lemons.
  61. Credit Card Or Cash?

    Credit cards are convenient to use, but not always the best choice. Here are 5 times you shouldn't pay with a credit card ...
  62. 5 Services To Usher In New Clients

    Discover ways in which advisors are increasingly choosing to promote their businesses.
  63. Health Insurance: Paying For Pre-Existing Conditions

    If you bring a pre-existing condition to a new insurer, you may find yourself without coverage.
  64. Why You Don’t Need Mortgage Protection Life Insurance

    Mortgage protection life insurance sounds great in concept - a guarantee that your mortgage will be paid off if you die unexpectedly. ...
  65. A Look At Single-Premium Life Insurance

    Want to provide for your dependents and finance your own long-term care? Learn more here.
  66. Don't Be Misled By Investment Advertising

    Investment companies and brokers want to sell. Unfortunately, this can result in promotional material that is not entirely ...
  67. Health Insurance Tips For College Students

    Why buy for health insurance when your parents' policy can cover you? Read on to avoid paying twice.
  68. Insurance Tips For Homeowners

    Use these simple ideas to save money and get better coverage for your house.
  69. After-Tax Balance Rules For Retirement Accounts

    Accumulating post-tax assets can work to your advantage. Find out how.
  70. Independent 401(K): A Top Retirement Vehicle For Sole Proprietors

    This vehicle has several advtanges over the SEP IRA. Find out why it's often a better alternative.
  71. What You Need To Know About COBRA Health Insurance

    We go through everything you need to know about COBRA so that you can decide if it's right for you.
  72. How Your Finances Compare To The Average American

    The phrase personal finance is pretty apt; your budget, financial goals and income are all unique to you, but there are some ...
  73. Guide To 401(k) And IRA Rollovers

    Follow the steps detailed below when you need to roll over your 401(k) or IRA account to be sure you preserve tax benefits ...
  74. Become A Certified Financial Divorce Analyst

    Use your financial knowledge to help people preserve their financial integrity after a failed marriage.
  75. Changes In Tax Legislation And Regulation

    Keeping on top of these amendments can help you avoid penalties and take advantage of benefits.
  76. Should You Convert Your IRA?

    Discover the factors you must weigh to make this decision.
  77. New Retirement Plan Limits For 2011

    New changes to the law can have a huge impact on your nest egg.
  78. Why Your Will Should Name Designated Beneficiaries

    Find out how to make the tough decisions when it comes to choosing who will receive your assets and how they will be paid ...
  79. Financing Options For Buyers Of Foreclosed Homes

    While the upcoming retirement of Fannie Mae’s HomePath program is sad news for those wanting a foreclosed home, check out ...
  80. To Invest Or To Reduce Debt, That's The Question

    Find out how you can make use of that excess cash and improve your financial situation.
  81. Credit Card Arbitrage: Free Money Or Dangerous Gamble?

    Credit card arbitrage is a way to make some money, but it's a major gamble with devastating risks.
  82. How To Decode A Company's Earnings Reports

    Read between the lines to decipher a company's true financial condition.
  83. Freelance Careers: Look Before You Leap

    Freelance work is a way to escape the daily grind - but don't ignore the added responsibility that comes with freedom.
  84. Borrowing From Your Retirement Plan

    Left with no alternative but to take money out from your retirement savings? Here are some guidelines.
  85. An Introduction To Depreciation

    Companies make choices and assumptions in calculating depreciation, and you need to know how these affect the bottom line. ...
  86. How Much Social Security Will You Get?

    You've been paying in for years - now it's time to find out what the system owes you.
  87. Rolling Over Company Stock: A Decision To Think Twice About

    It may be more beneficial for you to pay tax now than deferring it to an IRA. We show you how and why.
  88. Are Equity-Indexed Annuities Right For You?

    Equity-indexed annuities can be confusing to understand, but for conservative investors, they can be valuable savings plans. ...
  89. 7 Steps To A Successful Investment Journey

    Before you start investing, educate yourself on financial ideas and develop a strategy that agrees with your personality. ...
  90. The Illusion Of Diversification: The Myth Of The 30 Stock Portfolio

    Find out what it takes to really diversify your portfolio.
  91. Follow Your Passions And Success Will Follow

    Business success is often the result of hard work and having a passion for your career. Here of some example of passionate ...
  92. Consumer Protection Laws You Need To Know

    Knowing these which consumer protection law can help you in particular situations can save you time, money and stress.
  93. Top 6 Ways To Recession-Proof Your Job

    In a recession, financial industry personnel are often hit hard. Find out how to avoid getting the ax.
  94. Examining Credit Crunches Around The World

    Market tops and bottoms have proliferated the financial markets throughout history. Learn how countries dealt with these ...
  95. 4 Steps To Attaining A Mortgage

    It starts with knowing your choices as well as your price range. We show you how to get there.
  96. You Can't Live On Love

    If your head is in the clouds, check out this down-to-earth financial advice for couples.
  97. 10 Sources Of Nontaxable Income

    Taxes are often a deterrent from investing and saving. These financial practices will bring you no tax grief.
  98. Preparing For Retirement Plan RMD Season

    Paying taxes is inevitable - that's why you need to learn about the rules for required minimum distributions.
  99. Tax Treatment Of Roth IRA Distributions

    Learn the requirements for withdrawing funds tax and penalty free.
  100. Don't Forget The Kids: Save For Their Education And Retirement

    Retirement and education financing are the two most important planning items for taxpayers.
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