Personal Finance Articles

  1. Where To Put Your Cash: Call Deposit Vs Time Deposit Accounts

    Time deposit accounts and call deposit accounts allow customers to earn higher interest in exchange for less access to their ...
  2. Choosing The Best Life Insurance Company For You

    What to consider before you choose the life insurance company that can give you the policy you need now – and meet your needs ...
  3. Identity Theft: How Much Should You Worry?

    Identity fraud cost $18 billion last year. But are enough Americans victimized – with big enough losses – that it's worth ...
  4. So You Wanna Buy A Franchise?

    Franchises are growing more popular with entrepreneurs. Here's why and what to expect from them.
  5. Should You Get A Gas Credit Card?

    Many credit cards now reward you for your gasoline purchases. But some are more generous than others.
  6. Getting Schooled: Six Steps to Better College Prep

    Hard to believe, but my firstborn starts high school this week, and I realize that we need to start planning for his next ...
  7. 5 Ways Google Changed Our Relationship With Money

    Yesterday marked 16 years since Google co-founders filed for incorporation, opened a bank account and deposited a $100,0 ...
  8. Credit, Debit And Charge: Sizing Up The Cards In Your Wallet

    Not all plastic is equal! Learn the difference between the three kinds, and how each can affect your finances.
  9. Getting A Car Title Loan

    This loan-of-last-resort uses your car as collateral and features very high interest rates and fees. Be extremely wary of ...
  10. 5 Horrific Things That Can Haunt Your Finances

    Check out a few of the scariest financial disasters and find out what you can do to protect yourself.
  11. Cut Commissions With "For Sale By Owner" Sales

    It takes a lot more work, but selling your home without a realtor can have benefits.
  12. Understanding Value: Donald Trump & His Net Worth

    Having your dad bankroll your first big project is more than a simple leg up. But what Donald Trump did from there is far ...
  13. 5 Better Uses of Your Money Than Buying US Open Tickets

    With the 118th US Open tennis tournament now underway in Flushing, NY, fans from around the globe are gathering to watch ...
  14. Top Indicators From The Bureau of Labor Statistics

    Of the BLS indicators, the change in nonfarm payrolls and unemployment rate, as well as the CPI and PPI, are the ones most ...
  15. Real Estate and Crowdfunding: A New Path For Investors

    Real estate investing and crowdfunding - is this a good mix?
  16. Want To Be A Financial Planner? Click Here

    Boomer-aged financial advisors are retiring in droves. Luckily, more and more schools are creating financial planning programs. ...
  17. Microfinance: What It Is And How To Get Involved

    This growing industry is full of opportunities for the socially conscious investor.
  18. Just What Factors Into The Value Of Your Used Car?

    Just what should you pay for that used car? And how much should you get for your beater? With these web sites, those are ...
  19. 4 Savings Accounts for Investors

    Curious about the best saving accounts and which ones suit investors?
  20. Find the Best Savings Account Rates

    You know how to spot the highest interest rate, but how do you really get the best deal on savings accounts?
  21. The 4 Basic Elements Of Stock Value

    Investors use these four measures to determine a stock's worth. Find out how to use them.
  22. Top Strategies For Saving In A 529 Plan

    Saving for college can be a daunting task. These 8 strategies can help to make the process a little easier.
  23. Signs You Need To Look For A Better Credit Card

    High interest rates, hefty annual fees and poor customer service are among the indications that you have a bad credit card. ...
  24. FAs Should Factor Clients Into Succession Plans

    Financial advisory firms are finally taking succession planning seriously. Here's how.
  25. Strategies For Debt Consolidation Loans

    A debt consolidation loan may help if your income doesn't quite cover your credit card and loan payments. Here's how to avoid ...
  26. Limited Liability Partnership (LLP): The Basics

    LLPs are a flexible legal and tax entity that allows partners to benefit from economies of scale by working together while ...
  27. 5 Costs Associated With Renting An Apartment

    What to expect when you, too, move into your first apartment some day (better start saving money now).
  28. 51 Best Labor Day 2014 Deals, Discounts and Freebies

    Labor Day is coming up this weekend, and with it will come Labor Day sales, deals and freebies.
  29. 4 Ways To Value A Real Estate Rental Property

    Learning these concepts is the first step in getting into the real estate investment game.
  30. Start Saving With A Roth 401(k)

    Here are the steps to take if you want to choose – and make the most of – a Roth 401(k) as you save for retirement.
  31. Peak Oil: What To Do When The Wells Run Dry

    Find out how to invest and protect your investments in this slippery sector.
  32. Ridiculous Ideas That Made People Millions

    These wacky inventions didn't look like the money machines they became for their creators.
  33. Rules For Having A Health Savings Account (HSA)

    Do you qualify? What does it cover? How to see if it makes sense to sign up for a High-Deductible Health Plan with a Health ...
  34. The Path To Becoming A CEO

    Think you have what it takes to be chief executive? Find out what those at the top have in common.
  35. How Advisors Can Fill The Talent Gap

    Financial planning firms are seeing increased demand for their services just as a talent shortfall becomes more pronounced. ...
  36. What Is Sallie Mae And How Does It Work?

    Sallie Mae is the only game in town for some would-be college students seeking loans, so it's not surprising that it's got ...
  37. Eligible For Social Security And A Pension? Lucky! (Or Confused)

    Two critical rules for Americans whose work history qualifies them for both Social Security retirement benefits and a government ...
  38. Managing A 529 Plan Based On College Expectations

    529 Plans are a popular way to save for college. Here's how to be strategic about how to fund them, depending on your children ...
  39. Companies That Succeeded With Bootstrapping

    Bootstrapping is likely to be part of the history of nearly every successful company. Here are a few success stories.
  40. The Power Of Branding

    It's the ultimate economic moat, and we look at the approaches and effects of good and bad branding.
  41. How To Cash In On Credit Cards

    How can an investor cash in on rising credit card use? There isn't an ETF yet, so let's look at the companies themselves.
  42. A Smart Approach to Student Credit Cards

    Student credit cards are a compelling alternative for young borrowers. But be sure to look at annual fees and long-term interest ...
  43. 5 Tips For Recession House Hunters

    Follow these five tips to get a leg up on rival bargain hunters.
  44. 6 Good Reasons To Get Renter's Insurance

    If you rent, you still need insurance for personal property and if anyone is injured at your place. The good news: It also ...
  45. Getting A Secured Credit Card

    Because these cards target consumers with difficulty getting credit, be extra careful to avoid predatory lenders when you ...
  46. Why It’s So Hard to Get Small Mortgage Loans

    Finding a lender to provide a mortgage loan for less than $50,000: It's a challenge faced by a surprising number of people, ...
  47. Top Reasons To Apply For An FHA Loan

    When is it a good idea to apply for a Federal Housing Administration loan?
  48. Filling Out The W-9 Form

    Freelancers and independent contractors have to give a W-9 to their clients – and you might need to provide one for other ...
  49. The Purpose Of The W-9 Form

    The W-9 form provides key data your clients need if you're an independent contractor. Just be sure you're not really an employee ...
  50. Measuring The Benefits Of Home Ownership

    Price appreciation is the biggest factor, but it's not the only thing to consider.
  51. 5 Mistakes That Make House Flipping A Flop

    If you're just looking to get rich quick, you could end up in the poorhouse.
  52. Start Building Solid Credit At A Young Age

    These days, credit scores can affect everything from loan terms to your job search. That's why you should establish a credit ...
  53. Last-Minute Strategies To Help Pay For College

    Find out what to do when your kid is ready for higher education, but you aren't.
  54. How To Appeal Your IRS Audit

    The auditor's review isn't always the last word. Many taxpayers who are audited can successfully appeal their audits and ...
  55. Financial Advisors Need To Seek Out This Group NOW

    Millennials are coming into their own economically, so why are financial advisors still reluctant to give them the attention ...
  56. Mortgages: Fixed-Rate Versus Adjustable-Rate

    Both of these have advantages and disadvantages depending on your financial needs and prospects.
  57. Are You An Entrepreneur?

    Many people want to start a business, but not everyone has what it takes to succeed.
  58. The Truth About Real Estate Prices

    Historical housing price data suggests ongoing increases in housing prices, but these numbers don't tell the whole truth. ...
  59. Cheap Car Insurance For College Students

    6 ways to get the best car insurance quotes during those years when insurance companies rate you as a high-risk customer.
  60. The Purpose Of 1099 Forms

    The need for 1099 forms and why you must track the income reported on them. If you don't, the IRS will find it anyway and ...
  61. Filling Out 1099 Forms

    There are many different 1099 forms for different types of non-employee compensation. We explain the differences among them, ...
  62. 5 Signs You Have No Money Management Skills

    If you’re worried about your money management skills, the tips below might help you figure out what you’re doing wrong and ...
  63. Online Banks: Lower Costs And Little Sacrifice

    For many, online banking has become a day-to-day routine. Still, there are some holdouts who refuse to accept the method. ...
  64. 1 in 5 Americans Are Working This Labor Day 2014

    Labor Day is supposed to offer beleaguered workers a day of reprieve from the daily grind. However, not everyone gets to ...
  65. A Primer On Preferred Stocks

    Offering both income and relative security, these uncommon shares may work for you.
  66. Winklevoss Interview: Bitcoin Payment System Worth $400 Billion

    The bull case for Bitcoin is often expressed as an estimate of the future value of all Bitcoins in circulation once it reaches ...
  67. Debunking the 80% Income Replacement Rule

    Take a look at the 80% rule, it suggests that pre-retirees create a savings plan that will replace 80% of their income when ...
  68. How Banks Set Interest Rates On Your Loans

    On the face of it, figuring out how a bank makes money is a pretty straightforward affair. A bank earns a spread on the money ...
  69. Why Some Kids Never Leave The Nest

    Giving your children a free ride can be costly for both of you.
  70. Unexpected Challenges For Self-Employed Finance Professionals

    Going solo in financial services can present a host of unexpected challenges.
  71. Top Student Loan Providers

    Many banks and institutions offer student loans, but some offer better deals than others. Read this list of top student loan ...
  72. Discounts & Coupons You're Missing

    Are you missing out on discounts for medical, entertainment and clothing costs?
  73. An Analysis Of Social Security Benefits And Their Future

    Social Security is a significant driver of the US economy--as good a reason as any to make sure you understand it!
  74. Get the Best Savings Interest Rates For You

    How do you choose between market deposit accounts, CDs and traditional savings accounts?
  75. Cut Your Tax Bill With Donor-Advised Funds

    Beat the tax man come April 15 by investing in a charity-friendly fund.
  76. Using The Social Security Website To Get Answers

    The Social Security website is full of useful information. To save you time, here's a guide – and links – to finding answers ...
  77. Time To Consolidate Your Student Loans?

    Use these strategies to decide whether consolidating your student loans makes sense for you – and what to do next if it does.
  78. An Introduction To The CMA Designation

    Learn what the Certified Management Accountant designation is, how to get it and what it can do for your accounting career.
  79. Top Job Search Mistakes For Finance Grads

    Looking to land your dream job? Skip the entry-level position by avoiding these common errors.
  80. How the Cost of Living Affects Your Income

    Do you know all the ways cost of living increases can affect your income?
  81. How Cash Value Builds In A Life Insurance Policy

    If you have permanent life insurance, more of your insurance premium goes to cash value in the early years of your policy: ...
  82. 6 Ways To Capture The Cash Value In Life Insurance

    If you die with cash value left in your life insurance policy, the money goes to the insurance company – not to your beneficiaries. ...
  83. A Look At Berkshire Hathaway's Many Components

    Berkshire Hathaway has 59 wholly owned subsidiaries and owns big stakes in several huge companies. Just how do those pieces ...
  84. The Best Places To Exchange Currency

    Unexpected fees for changing currency can blow your foreign-travel budget. Follow these strategies to avoid them as much ...
  85. Turn Your Passion Into A Profitable Side Business

    Thinking about starting a business? Here's the first step to making a profit from a field you're passionate about.
  86. Credit Cards For People With Bad Credit

    Yes, you can get a credit card and start repairing your credit history. But brace yourself for low credit limits, sky-high ...
  87. Banker Or Broker: Which Career Is Right For You?

    Bankers and stock brokers may share similar traits, but there are many differences between the two professions.
  88. 5 Things You Shouldn't Do During A Recession

    These tips can help you avoid financial risk, and are especially important during an economic slowdown.
  89. Always Bet On Berkshire Hathaway (And Here's Why)

    With its share price at an all-time high amid talk of a stock market correction, why would anyone buy Berkshire Hathaway ...
  90. Know Cost Of Living B4 Taking A Relocation Package

    Is that promotion or new job worth taking? Before accepting the salary and relocation package, calculate what it really costs ...
  91. Top 5 Books For Young Investors

    Reading these respected tomes will help you begin your journey into investing on the right foot.
  92. FICO Credit Score Changes – Will Yours Go Up?

    Your FICO score could rise due to a new way of scoring some debts – which could make you eligible for a lower interest rate ...
  93. Mortgage Rates To Rise, But When And By How Much?

    Mortgage rates have been at historical lows since 2008 following the financial crisis. They're expected to rise, but when ...
  94. Types Of Social Security Benefits

    Social Security isn't just for the retired. It also pays benefits to the disabled, widows and widowers, children, stepchildren, ...
  95. 3 Ways to Get Social Security Benefits

    Social Security isn't just for retirement. Learn about all three benefits provided by the Social Security Administration: ...
  96. Understanding The Social Security Website

    Go to ssa.gov for all things Social Security. To comply with the Plain Writing Act of 2010, its information was rewritten ...
  97. Secured Credit Cards

    They're not just for people with a poor credit score. Secured cards also help students and internationals with no U.S. credit ...
  98. Passing Boomers Will Leave A Big Economic Wake

    While baby boomers keep the longevity economy surging, look out for a dark fiscal forecast when it comes to retirement planning ...
  99. Improve Your Karma With Microlending

    Not all businesses are self-sustaining - many rely on microlending in order to survive.
  100. A Day Without Spending, A Lifetime's Worth Of Lessons

    Financial guru Suze Orman once challenged her fans to go a day without spending any money. Here are the lessons learned from ...
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