Personal Finance Articles

  1. A Guide to Social Security Dependent Benefits

    Advisors and their clients tend to focus on Social Security retirement benefits. Social Security also offers dependent benefits. ...
  2. Long-Term Care Policies: Why They're Worth It

    Long-term care insurance can be a godsend for those who need it for an extended period of time. Read on for more about this ...
  3. How to Avoid the 6 Most Common Tax Audit Triggers

    These are the most common scenarios that can trigger the IRS to audit a tax return.
  4. Tax-Season Home Stretch: Last-Minute Deductions

    April 18th is almost here, but it's still not too late to find some last-minute deductions. Act now!
  5. What Happens If You Lie on a Car Insurance Application

    The majority lies to save on premiums – but consequences can be severe for not owning up to things like tickets, accidents ...
  6. Finding The Top Retirement Cities In Cambodia

    A retirement choice for the adventurous, Cambodia is finding its place as a small but shining success story in the developing ...
  7. A Statistic About the U.S. Economy that May Surprise You

    Learn why many commentators seem to be pessimistically focused on the U.S. economy’s weak wage growth and manufacturing sector ...
  8. What Type Of Person Needs A Financial Advisor?

    What kind of person should enlist the help of a financial advisor and who might be better off going it alone?
  9. Your 401(k): Not the Best Emergency Fund

    If you have an emergency and need to access your retirement funds, you may have to pay a penalty if you dip into your 401(k). ...
  10. How Apple's Court Defeat Will Reshape the E-book Market

    Apple recently lost the final appeal in the e-book price-fixing case and Apple's loss is Amazon's win.
  11. Which Child's Best for Monetary Power of Attorney?

    Don’t make the mistake of trying to appear “fair” or avoid hurt feelings. Trustworthiness and ability are the factors to ...
  12. U.S. Visas for Entrepreneurs, Investors & Skilled Workers

    The options for getting a scarce U.S. visa. For the fourth year in a row, there will be a lottery for the H-1B visa for skilled ...
  13. 4 Tips on Being Upfront About Fees with Clients

    Advisors should be proactive in discussing fees so clients know what they are paying. Here are some pointers in how to start ...
  14. Rebalance IRA: The Right Robo-Advisor Fit for You?

    Here are the pros and cons of investing time and money into Rebalance IRA, a robo-advisor upstart that zeroes in on retirement ...
  15. How to Get the Most out of Your HELOC

    A home equity line of credit allows you to leverage your home for different reasons. Here are three ways to get the most ...
  16. Owe Taxes? You Could Lose Your Passport

    A rule slipped into a transportation bill allows the U.S. government to revoke your passport if your tax debt exceeds $5 ...
  17. Are Low-Down-Payment Mortgages Better than Paying PMI?

    When you can’t put down at least 20% on a mortgage, you usually have to have private mortgage insurance (PMI). But what about ...
  18. Medicare’s New Payment Rules: Should You Worry?

    Medicare is moving from a fee-per-service model for hip and knee replacements to one that involves bundled payments. How ...
  19. Using the TIPS Spread to Predict Inflation (TIP, ATPIX)

    Learn how analysts and investors use the TIPS spread to forecast inflation rates, and how accurate the TIPS spread has been ...
  20. Advisors on the Air: Tips for Hosting a Radio Show

    Hosting a radio show is a great way for financial advisors to reach new clients. Here are some tips on how to generate quality ...
  21. Reverse Mortgages: How They Can Cushion Retirement

    Reverse mortgages can add some wiggle room to your retirement budget. Here's the lowdown on how to use them — and how not ...
  22. Tips on How to Delay RMDs for Working Clients

    Qualified plan participants who work past age 70½ can delay taking required minimum distributions if they qualify. Here's ...
  23. How Working Longer Impacts Social Security

    A look at the impact of working longer on Social Security retirement benefits.
  24. Which Retirement Funds Are Protected from Creditors?

    While many employer-sponsored retirement accounts – including most 401(k)s – are protected against creditors, that’s not ...
  25. How to Save for Retirement Like a Wealthy CEO

    Don't have a CEO's income? You can still employ a millionaire’s saving strategy when it comes to planning for retirement. ...
  26. 401(k) Alternatives for High-Income Earners

    One downside to earning more is a higher tax rate on your 401(k) distributions. Here's how high-earners can minimize that ...
  27. 4 Ways to Get a Degree Without Taking on Debt

    Although taking out student loans has become the norm in recent times, it is possible to get a degree without the burden ...
  28. How the Fiduciary Rule Could Save Investors $17B

    Supporters of the new "fiduciary rule" say it could save Americans with IRAs and 401(k)s around $17 billion per year, but ...
  29. What Does It Cost to Retire in Panama?

    Learn how much it costs to retire comfortably in Panama, and why it has become one of the most popular retirement destinations ...
  30. Up-to-Six-Figure Loans a Business Can Get – Fast

    The banking industry has invested a lot of money into shortening loan approval times from a few weeks to a few minutes, but ...
  31. Why Many Americans Believe Retirement is Out of Reach

    If a financially secure retirement feels like it's just beyond your grasp, you're not alone. This year's EBRI survey reveals ...
  32. Panama Papers Tip of the Iceberg as Congress Aids Tax Cheats & Terrorists

    Never mind the Panama Papers. America has its own ‘State Thieves, Embezzlers And Liars (STEAL) Protection Acts’ that can ...
  33. Yes, Drug Prices Really Have Doubled

    It isn’t just your imagination: The price of prescription meds has been climbing. The trend is expected to continue, so start ...
  34. Is the Fed On the Right Track?

    Find out why the Federal Reserve (Fed) missed its window to raise interest rates nearly three years ago, when conditions ...
  35. Wealthy Execs Face Tougher Curbs on Bonuses

    The ways of amassing wealth on Wall Street are about to change, thanks to new federal regulations regarding executive bonus ...
  36. Savings Priority: Which Goals Beat Retirement?

    Everyone knows that they should save more for retirement, but a Capital One Investing survey shows that other goals come ...
  37. Watch the Fees on Your New Car - They Can Add Up!

    If you’re in the market for a new car, the asking price isn’t the only number you should be negotiating. The fees can cost ...
  38. How are Englander's investment faring? (QCOM, SUNE)

    Let’s take a closer look at Israel Englander’s fourth quarter investments in QUALCOMM, Inc. and Sunedison Inc.
  39. Fiduciary Rule: How Advisors Should Outsource Risk

    The impending fiduciary rule will lead to increased liability for many advisors but there are ways to outsource some of the ...
  40. Established Wealth Managers with Robo-Advisors

    These established wealth management firms offer robo-advisor platforms or have one in the works.
  41. Advisors: How to Sell Your Practice to a Larger Firm

    Selling any business can be fraught with risks and obstacles and financial advisory firms are no different.
  42. Grow Your Referrals from Pros with These Tips

    Getting referrals from other professionals can be one of the best ways to grow your business. Here are five ways to do it.
  43. Toyota Joining the Competition with a New Compact Crossover (TM)

    Learn about the Toyota C-HR, how it was developed from a concept car, its launch at the Geneva Motor Show and how it will ...
  44. All You Need to Know About Tax Havens

    These tax-free zones might sound appealing, but the consequences often aren't.
  45. Why Rollover Your Retirement Assets into an IRA?

    If you're in the workplace now, chances are you'll ask yourself this question eventually: 'Should I rollover to an IRA?' ...
  46. PIMCO and BlackRock See Inflation on Horizon

    PIMCO and BlackRock see inflation on the horizon. If you think they are correct here's how to invest.
  47. Jamie Dimon's Success Story: Net Worth, Education & Top Quotes (C, JPM)

    Learn how Jamie Dimon did not waste time making a mark in the family business by creating one of the most successful financial ...
  48. The Top 10 European Tax Havens

    While the popular stereotype of a tax haven is a Caribbean island, these countries in Europe serve as attractive places for ...
  49. The Fiduciary Rule and IRA Rollover Conflicts

    The pending fiduciary rules proposed by the DOL could put a real crimp in rollovers from 401(k) plans to IRAs.
  50. Tax Haven Vs. Tax Shelters: Is There a Difference?

    Learn about the difference between tax havens and tax shelters, and how both are used to reduce tax liability or avoid paying ...
  51. An Argument for Not Saving Everything for Retirement

    We know that we need to amass a significant nest egg for a leisurely retirement. But what about enjoying our time now?
  52. How to Tell if You're Investing Too Conservatively

    Investing is a balance between growing and preserving your money. It's understandable to want to be conservative, but what ...
  53. Use Life Insurance to Help Those With a Disability

    Why and how to use permanent life insurance to help provide for a family member with a disability or special needs
  54. The Deadline for Catch-Up Contributions: April 18

    Those who want to maximize their retirement plan contributions can still make a prior-year contribution for 2015. Don't miss ...
  55. How to Protect Your Income No Matter What

    What does it mean to insure your income? Here are a variety of ways to do it and some insights into when it might make sense ...
  56. Salesforce's New Advisor-Focused Cloud Offering

    A solid client-advisor relationship is the foundation of reputable advisory firms. Here's a look at how Salesforce.com's ...
  57. Is the 80% Retirement Rule Valid for Clients?

    Is the 80% rule of thumb for retirement spending a reasonable one?
  58. How Advisors Can Hire Successfully and Smartly

    The hiring process can be fraught with ups and downs for financial advisor firms. Here are some tools they can use to help ...
  59. Ford's March Auto Sales Miss Target (F, GM)

    With the fleet business rising eight percentage points year over year, Ford's sales -- despite how attractive they may appear ...
  60. What the Strong Jobs Report Means for Home Depot

    With more jobs are being created, combined with both rising wages and improved housing, means consumers will have more money ...
  61. 7 Reasons to Yank a Mutual Fund from Your 401(k)

    Not all mutual funds are created equal. Here are some practical tips for recognizing – and ditching– low-value mutual funds ...
  62. This Explains $0 Federal Income Tax for Millions

    Understand how the earned income tax credit works and whether it applies to you.
  63. Will Airfares to Cuba Fall by 50%?

    As U.S.–Cuba relations continue to thaw, and U.S. travel restrictions loosen, flying to the island may get both easier and ...
  64. REITs vs. ETFs: Which Are Better for Retirees?

    Real estate investment trusts (REITs) and exchange-traded funds (ETFs) both offer the potential to earn passive income in ...
  65. Financials Sector: Industries Snapshot (WFC, BLK)

    Learn about the industries and stocks that make up the financial sector of the S&P 500 index. The industries include banking, ...
  66. Employee Benefit to Covet: Help with Student Loans

    One of the newer employee benefits, especially helpful to Millennials and Gen Xers, provides for employer paydown on student ...
  67. 5 Ways Priceline is Scaling Up Its Online Dining Business (PCLN)

    Learn how Priceline is scaling up its online dining business. Consider how the company is leveraging all of its online sites ...
  68. Proposed Medicare Drug Rules: Good or Bad for Seniors?

    The federal government is proposing a solution to the rising prescription drug prices that Medicare and seniors who use Medicare ...
  69. How Black Millennials Are Closing the Wealth Gap

    African American Millennials are setting up their future children and grandchildren to succeed. Here's how.
  70. Reverse Mortgages: Right for Clients? Not Often

    Reverse mortgages are a legitimate vehicle for folks age 62 and up to tap into the equity in their homes for other uses. ...
  71. How Pensions, Social Security Differ

    Both pensions and Social Security provide an income stream to retirees, but they differ widely on how they're structured ...
  72. Tax Tips for RMDs on Big 401(k) Balances

    Have a large 401(k) balance? Here are some ways to reduce taxes on required minimum distributions.
  73. Boomers: Top Tips for Shoring Up Your Retirement

    The retirement situation for most Baby Boomers isn't that encouraging. But there are actions they can take to shore up their ...
  74. Where to Find Decent Income Without Indecent Risk

    If you're struggling to derive decent income without indecent risk from your investments, you need to look at these charts. ...
  75. Best Ways to Get Free Credit Scores in 2016

    You've probably seen spammy ads offering the opportunity to check your credit score for "free." Well, not all credit score ...
  76. The 5 Highest Paid Executives in the Materials Sector (DOW, PX)

    Learn who the top-earning executives are in the basic materials sector and which companies are thriving during volatile economic ...
  77. Starbucks Vs. Dunkin' Donuts: Comparing Business Models (SBUX, DNKN)

    Learn about the business models of Starbucks and Dunkin' Donuts. Discover how franchising and growth strategies impact these ...
  78. Technology is Making 401k's More Accessible to All Employees

    Despite the $5.5 trillion invested in retirement and savings plans, many Americans are primed for a lower standard of living ...
  79. UBS Maintains Sell Rating on Tesla (TSLA)

    While having more Tesla's on the road may be a good thing for the environment, what it means for the company's fundamentals ...
  80. 6 Best Last-minute Spring Break Trips

    Spring break is here and if you are looking for a last minute vacation idea, then here are six to consider.
  81. Advisors: Study Reveals Client IRA Rollover Habits

    Recent research shows insights into who uses IRA rollovers at retirement. Here's what's important to new retirees at this ...
  82. More Reasons for Advisors to Be Wary of the SEC

    It looks like the SEC is expanding its oversight regarding RIA compliance in the coming months. Here's why RIAs should expect ...
  83. Making Social Security Work for Client Couples

    What are the best ways to advise client couples when it comes to filing for social security? Here are some strategies.
  84. America's Missing $15 Billion in Corporate Taxes

    The “Starve the IRS” strategy cuts the supply of corporate auditors. Result: Big-money tax cheats go free and ordinary taxpayers ...
  85. Which Airline Has the Best Wi-Fi?

    Airlines know that flyers expect a wireless connection – but not all offer the same level of connectivity.
  86. Simple Last-Minute Tax Tips

    A little preparation and organization can take the stress out of last-minute tax filing.
  87. Get a 6-Month Tax Extension

    Discover how to get some extra time from the IRS, without paying a hefty penalty for the privilege.
  88. 5 Reasons You Should Have Global Entry

    Have you been considering Global Entry? Here are five reasons why you should go ahead and fill out your application today. ...
  89. Even Worse News About Airbag Recalls: What to Do

    The recall numbers are even higher than previously estimated. How to look up your car – and what to do if you find it on ...
  90. RIAs: How to Find, Foster Your Firm's Successors

    Here is Fidelity’s three-step plan on how to best develop and keep the next generation of advisors and to groom them to take ...
  91. 4 Reasons ETFs Might Be Good for Your 401(k)

    Should you include ETFs in your 401(k)? Perhaps. But there are cautions to observe, particularly if you intend to day trade ...
  92. Best Careers for College Grads in 2016

    College students, new grads and adults looking to retool should check out this list of hot careers.
  93. Retirees: Make More Money as a Peer-to-Peer Lender

    With interest rates keeping traditional investment returns low, peer-to-peer lending offers retirees a chance for higher ...
  94. How Big Is the Underground Economy in America?

    While the U.S. has a relatively small underground economy compared to the OECD average, since the global financial crisis ...
  95. 5 Steps to Getting Started in Investing

    “How do I start investing?” It’s a complex question and there's a lot to consider. Here's how to lay a foundation for success.
  96. A Key Tip for Making Your Nest Egg Last Longer

    Retirees who don't want to deplete their nest eggs during a bear market should make sure to do the following.
  97. How Advisors Can Get the Best Price for Their Firm

    Selling your financial advisory practice is one of the most important transactions you will complete. Here's how to be sure ...
  98. 7 Top IRA Strategies for Your Clients

    With IRA season in full swing, advisors should consider these seven strategies for clients.
  99. What It Takes to Be Confident About Retiring

    Six out of 10 Americans have at least some confidence in their ability to have a comfortable retirement. Do this to join ...
  100. 3 Tax Things to Consider for Your Investment Portfolio

    If you are getting frenetic with the tax season and haven't seen the connection between taxes and investments, here are three ...
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