Personal Finance Articles

  1. Benefits Of A Dependent Care Flexible Spending Account

    These accounts can lower your taxable income and help you support a dependent family member.
  2. Beware False Signals From The P/E Ratio

    The P/E ratio is a simple tool for evaluating a company, but no one ratio can tell the whole story.
  3. Women And Finances: Is There A Gender Bias?

    Uncover some very complex reasons for female gender biases in the finance world.
  4. Got A Good Mortgage Rate? Lock It Up!

    Rising rates mean rising profits for lenders, providing incentive to increase rates whenever possible.
  5. Measuring Company Efficiency

    Three useful indicators for measuring a retail company's efficiency are its inventory turnaround times, its receivables and its collection period.
  6. Assets That Increase Your Net Worth

    Your home, properties and vehicles can all increase your net worth.
  7. Overcome The Retirement "Gender Gap"

    Learn why many women's post-work saving plans fall behind and what they can do to catch up.
  8. State Laws Dictate Division Of Joint Property

    In breakup, divorce or death, community or common law will determine how property is divided.
  9. 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.
  10. Building An Emergency Fund

    Do you have enough savings to cover the costs of unforeseen crises? We show you how to plan ahead.
  11. 5 Lesser-Known Retirement And Benefit Plans

    These plans aren't widely used, but they fill a specific niche for employees in certain situations.
  12. Is Loan Protection Insurance Right For You?

    This coverage can keep you from defaulting on your loans when you're in financial trouble.
  13. Preparing Finances For Deployment: A Guide For Service Members

    Those who follow the instruction in this article can look forward to a homecoming of financial prosperity.
  14. CDOs And The Mortgage Market

    These structured products contribute to keeping borrowing rates low.
  15. Understanding Mortgage Impound Accounts

    Home buyers with low down payments may get stuck with higher mortgage payments. Find out what you get for the extra money.
  16. Trending Toward Asset-Based Management

    Will charging fees instead of commission increase your client base?
  17. An Introduction To Perkins Loans

    Check out the eligibility and repayment options, and how you can get this loan forgiven.
  18. How Much Debt Can You Handle?

    Follow these five steps to manage debt without cutting up your credit cards.
  19. How To Invest In Private Companies

    It can be tough to invest in a company that doesn't trade on an exchange, but there are also several advantages.
  20. The Importance Of Knowing Your Net Worth

    It is vital that you track your net worth no matter what your age.
  21. Does Your Investment Manager Measure Up?

    These key stats will reveal whether your advisor is a league leader or a benchwarmer.
  22. Manage Your Clients' Expectations

    You can't control how they react to the market, but you can help them understand the reality of the situation.
  23. Calculating The Present And Future Value Of Annuities

    At some point in your life, you may have had to make a series of fixed payments over a period of time - such as rent or car payments - or have received a series of payments over a period of time, such as bond coupons. These are called annuities. The payment frequencies, or number of payments, and the time at which these payments are made (whether at the beginning or end of each payment period) are all variables you need to account for when calculating the present and future value of annuities.
  24. Stocks: Who Needs Them?! (You, If You Want To Retire)

    Stocks have long been trumpeted as necessary to ensure a comfortable retirement. But does that advice still make sense?
  25. Beware Of Company Stock In Qualified Plans

    While this strategy does have a few advantages, it can also pose some substantial risks to employees.
  26. Top 10 Tips For A Financially Safe Retirement

    You've worked hard to secure enough to retire, so make sure you keep it safe.
  27. How To Start Saving For Retirement

    If you establish these money-saving habits and patiently allow your wealth to build, you will be taking some huge steps forward in making your financial future more secure.
  28. Holding Titles On Real Property

    Find out how best to claim and convey ownership on your assets.
  29. Is Your 401(k) Administrator Competent?

    The more that employees know about their employee 401(k) plans, the better. But what doesn't your administrator know?
  30. Pension Plans: Pain Or Pleasure?

    Employees have a love/hate relationship with this retirement option.
  31. Will You Pay Taxes During Retirement?

    Income taxes are one of the things that's certain in life. We'll explain the different tax situations when you retire.
  32. The Danger Of A 401(k) Flameout

    It looks like the 401(k) has failed, but what are the repercussions, and how can you protect yourself?
  33. Insure Your Future With A Career As An Actuary

    If you've got excellent math skills, they can add up to a lucrative career as an actuary.
  34. Top Receipts To Keep In Your Files

    When you set up your receipt-filing system, be sure to have envelopes or folders for these 7 categories. You could save yourself some significant money.
  35. 3 Retirement Account Rules To Know

    Stay up-to-date on regulation amendments to avoid penalties as well as take advantage of new opportunities.
  36. Top 4 Reasons To Save For Retirement Now

    No more excuses. Make sure you are financially secure and independent for your golden years.
  37. Retirement Savings Plans For Kids

    It's never too early to save for the future - learn how your children can get started.
  38. 3 Ways To Make Your Retirement Funds Last

    These retirement income distribution methods are all viable; the one you choose will depend on your personal circumstances.
  39. Generating Income In Retirement Using ETFs

    There are many effective strategies that retirement investors can utilize to fill their income gap. Here are some ideas that employ ETFs.
  40. Using Business Credit Cards Strategically

    Follow these 5 steps to enjoy the convenience and reporting benefits of business credit cards without falling into traps that could harm your bottom line.
  41. How to Hire a Bankruptcy Lawyer

    How do you find the right bankruptcy lawyer? What you should look for to determine the right attorney for you.
  42. Top Ranking Nations By HNWI

    The United States, Japan and Germany together make up 53.3% of the total worldwide high net worth individual population.
  43. How A Bad Roommate Can Ruin Your Credit Score

    Living with someone can cut your expenses, but in addition to not doing the dishes, your roommate may do serious damage to your credit.
  44. Negotiating A Debt Settlement

    If you're being harassed by a debt-collection agency, you can take charge. Find out how.
  45. 5 Ways To Control Emotional Spending

    Follow these five simple steps to keep your spending under control.
  46. 7 Things To Consider Before Selling Your Own Home

    A "for sale" sign won't sell your house. Find out what it takes and whether you can do it all yourself.
  47. Do You Need A Home Inspection?

    This step is important when purchasing a property because it may save you thousands.
  48. How To Calculate Your Tangible Net Worth

    Your net worth can be calculated with a simple equation.
  49. Keeping Your Receipts

    When is it a good idea to keep receipts? Here are 6 good reasons why it's worth the trouble, tips on which ones to keep and easy ways to make it happen.
  50. Do You Need A Rent Receipt?

    Landlords don't always bother to send receipts to renters. But there are important reasons renters should insist on getting proof they paid their rent.
  51. Retire In Style

    Set your sights on the golden years and get there sooner.
  52. Job Hunting: Higher Pay Vs. Better Benefits

    Focusing on salary may be a mistake. Find out which benefits have the highest long-run payoff.
  53. Financial Planners: Specialize In Seniors

    Find out how this demographic has all the needs to keep your firm busy year-round.
  54. 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.
  55. A Guide To Financial Designations

    Find out which certifications can bring you the greatest career returns.
  56. Getting A Job As The Tax Man

    If you'd like the IRS to pay you some money for a change, consider a career working in taxes.
  57. Top 10 Life Insurance Myths

    The most difficult aspect of this complex product is determining how much coverage you need and why.
  58. Fighting The High Costs Of Healthcare

    If your employer is cutting medical benefits, a health savings account may be right for you.
  59. Top 9 Vacation Destinations For Wall Street Geeks

    Indulge your inner geek with one of these financial-themed holiday getaways.
  60. Should You Buy Banks' "Toxic" Assets?

    The Public-Private Investment Progam is part of the government's effort to fix the failing financial sector. But is it a good investment?
  61. Moving Up: Dream House Or Money Pit?

    If you are upgrading your home, here are some things you'll need to know so you don't spend more money than you need to.
  62. Advertising, Crocodiles And Moats

    Memorable advertising is a brick in the fortress that keeps competitors at bay.
  63. The History Of Insurance In America

    Insurance was a latecomer to the American landscape, largely due to the country's unknown risks.
  64. Cut Taxes By Reporting Property Damage

    Know the options you have for your insured property if and when a disaster strikes.
  65. Indexed Universal Life: Cash, Flexibility And Safety

    IULs boast the security of fixed universal life policies and the interest-earning potential of variable policies.
  66. Exploring Advanced Insurance Contract Fundamentals

    Understanding your contract can help you protect our family's financial security.
  67. Build Your Own Retirement Plan

    A step-by-step guide to planning for your retirement. The sooner you start, the easier it will be to build a good cushion for your future.
  68. Recognizing Good Homeowners Insurance Companies

    Check out these 7 issues before you choose the company that will provide your homeowners insurance policy.
  69. A Sanity-Saving Retirement Stock Portfolio

    The market rollercoaster has many retirees calling it quits on stocks. Big mistake.
  70. 11 Things You May Not Know About Your IRA

    These little-known features will help you get the most out of your retirement savings.
  71. 5 Resources To Learn To Retire Rich

    Find out what you need to know to plan for retirement, and which resources do the best job of showing the way.
  72. 5 Signs That You're Living Beyond Your Means

    Learn what to watch for before you find yourself drowning in debt or filing for bankruptcy.
  73. Downsize Your Home To Downsize Expenses

    Learn how to cut your mortgage, tax, gas and utilities bills.
  74. Your Retirement Portfolio: Diversification & Alternatives

    Why diversification and alternatives can play an important role in your retirement portfolio.
  75. Invest In Yourself With A College Education

    Spending a few thousand dollars on school could help you earn millions more.
  76. Estate Planning Must-Haves For Unmarried Couples

    Society provides benefits to those who wed and punishes those who don't. Find out how to protect yourself.
  77. Roth Feature Boosts Benefits For 401(k) And 403(b) Plans

    Roth accounts tend to beat Traditional plans over the long term by providing tax savings.
  78. Discover Master Limited Partnerships

    These unique investments provide significant tax advantages.
  79. 12 Steps To Closing A Real Estate Deal

    A long list of things needs to happen before a home becomes yours. Find out what to expect.
  80. Living And Death Benefit Riders: How Do They Work?

    Find out how these different riders work, and which type is right for you.
  81. 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.
  82. Will Insurance Keep Your Business Safe?

    Skilled employees are key to a successful business. Find out how to avoid a financial setback if they leave.
  83. Debt Consolidation Companies – The Pros And Cons

    Debt consolidation is an attractive option for cash-strapped consumers who are struggling with debt, but make sure you are dealing with the right company.
  84. What You Should Know About The U.S. Bureau of Labor Monthly Statistics

    The Bureau of Labor Statistics' monthly employment figures are a key economic indicator. Here's how they work.
  85. 9 Things You Need To Know About Homeowners' Associations

    Restrictive rules and high fees are just some of the things to watch out for before joining an HOA.
  86. 5 Mistakes Real Estate Investors Should Avoid

    Don't let a slow real estate market drag you down - steer clear of these pitfalls.
  87. Make No-Load Annuities Your Viable Alternative

    These alternative retirement funds provide diversification with no fees, so what's the catch?
  88. 5 Insurance Policies Everyone Should Have

    Insurance policies come in a wide variety of shapes and sizes. Shop carefully and the right policies will go a long way towards helping you protect your assets.
  89. Who Needs Life Insurance, Who Doesn't

    How to tell when it's time to get life insurance – or decide that you don't have to have it yet or no longer need it.
  90. From Booms To Bailouts: The Banking Crisis Of The 1980s

    The economic environment of the late 1970s and early 1980s created the perfect storm for a banking crisis.
  91. Understanding Lender-Required Flood Insurance

    Having to buy flood insurance shouldn't be a surprise. Find out what you need to know when purchasing or refinancing a house.
  92. Identity Theft Protection Services: Worth Having?

    A detailed review of what you get from American's leading identity theft protection agencies. Start here before deciding whether you need this coverage.
  93. Should You Open A Foreign Savings Account?

    Would opening a savings account in a foreign bank make sense for you? The pros and cons, how to establish one – and alternatives to consider.
  94. Working in Retirement While Collecting Social Security?

    What to consider if working in retirement while collecting Social Security.
  95. What You Need To Think About Before Becoming An Entrepreneur

    Are you made of the rights stuff to be an entrepreneur?
  96. Protect Your Kids And Pets With Custom Insurance

    Find out how to protect those you love the most with specialized policies.
  97. Investing In Your Child's Education

    Overwhelmed by increasing tuition costs for your kids? The U.S. government can help.
  98. Concierge Healthcare: The Pros and Cons Of Having A Doctor On Call

    Concierge healthcare can mean extra attention from your doctor when you need it, but it isn't the best substitute for health insurance.
  99. Internships: Find The Best One For You

    It only takes a little legwork to land a prestigious career while you're still in college.
  100. How Mortgage Refinancing Affects Your Net Worth

    Find out how to determine whether refinancing will put you ahead or even more behind.
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