Personal Finance Articles

  1. Is It Ever Wise To Make Early Withdrawals From Your 401(k)?

    Investment experts generally frown on early withdrawals from a 401(k) account, but there may be some instances where it's wise to take money out of this tax-free investment.
  2. 10 Most Shameful Bank Scandals Of 2013

    This year brought a whirlwind of shocking announcements and news that would go on to affect every corner of the globe, including the number of banking scandals uncovered in some of the world's largest countries, including the U.S.
  3. Why Emergency Funds Are A Bad Idea

    Learn why taking the time to build an emergency fund is a staggeringly inefficient use of the precious and limited resource that is your money.
  4. J.D. Rockefeller: From Oil Baron To Billionaire

    More than 70 years after his death, this man remains one of the great figures of Wall Street.
  5. Financial New Year's Resolutions You Can Keep

    Start the year off right by evaluating your financial health and setting impactful and achievable goals.
  6. The Frosty, Festive World Of Investing

    From Santa Claus rallies to evergreen loans, Wall Street can be a veritable winter wonderland for investors.
  7. The Christmas Saints Of Wall Street

    Learn how some of world's richest people spread holiday cheer year-round.
  8. What To Know Before Buying A Foreclosure

    While foreclosures can be terrific investments, buying a foreclosure can also be a very risky expenditure, one into which no one should enter without a lot of research and intestinal fortitude.
  9. Do You Need A Financial Advisor?

    Not everyone needs a professional. Find out how to make the call.
  10. 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 cash.
  11. What To Expect From The Real Estate Market In 2014

    2014 holds some good news for the housing market, with gains in average home prices allowing more and more home owners to get their mortgages above water.
  12. 8 Gifts For Financial Geeks

    Put one of these unique offerings under someone's tree this year.
  13. Six Things To Buy AFTER Christmas

    Waiting out the frenzy of Christmas sales could actually save you a lot of money.
  14. Major Tax Credits Expiring In 2013

    Here are the major changes and tips that you need to know before filing your taxes for 2013.
  15. Eight Smart Ways To Save On Gift Giving This Christmas

    We talked to three professional deal hunters about how they keep their gift giving within budget.
  16. Last-Minute Tax Tips For 2013

    A combination of new taxes and expiring tax reductions and new surtaxes are conspiring to make your 2013 taxes – and your 2014 tax planning – a bit more interesting than usual.
  17. Six Traits Of Successful Retirees

    Retirement mentor Dennis Miller identifies the six steps he finds most essential to a prosperous retirement.
  18. America's Compensation Gap Shows No Signs Of Slowing

    The gap between the rich and the poor and middle classes is rapidly increasing in America. Historically this is not a good sign, as a strong middle class has been the backbone of the U.S. economy for most of its existence.
  19. How To Pay Your Forex Broker

    Three types of commissions are used in this market. Learn how to get the best deal.
  20. What To Know About New 2014 Tax Brackets

    Income tax brackets have been updated for the 2014 tax year (those taxes due on April 25, 2015), and for a change, a little bit of inflation may be a good thing for some filers.
  21. Great (Financial) Gifts For Kids This Christmas

    Parents, grandparents and other interested adults can give financial gifts to children that can help secure their futures, whether it’s saving for a first car, college or a down payment on a house.
  22. How To Lend Money To Family And Not Regret It

    It’s hard to refuse a family member’s request for a loan, but be sure to go into such arrangements with your eyes open.
  23. Financial Footnotes: Start Reading The Fine Print

    Find out what could be hidden in this often-overlooked part of the financial statements.
  24. Why Home Ownership Is Still A Good Idea

    Owning a home is still a good decision for many people and can be an important part of a long-term financial strategy.
  25. Why The 4% Retirement Rule Is No Longer Safe

    Some big-name investment firms believe the 4% rule for annual withdrawals is still valid but most advocate greater flexibility as stock markets gyrate.
  26. How Obamacare Is Raising Your Taxes

    There are literally dozens of new, amended or broadened tax provisions under the Obamacare legislation. Find out how your taxes will be affected in the years to come.
  27. How Paying For College Begins Well Before Freshman Year

    Don't overlook the hidden real costs of paying for college, especially those early expenses that mount while your child is still in high school.
  28. Healthcare 2.0 - Obamacare Reboots The Health Insurance Market

    People who want to buy or switch their health insurance will have access to a much wider array of choices through the web, where health insurers will have to compete for our business.
  29. Five Tips To Protect Yourself Against Holiday Scams

    Learn how to protect yourself from some common tactics so you can avoid holiday scams.
  30. How To Find A New Financial Advisor Who's Right For You

    It is a jolt when a long-time financial consultant leaves your sphere, because he or she has retired, passed away or been fired from his or her investment firm. One thing is for sure: You shouldn’t make a snap decision or jump to a hasty conclusion.
  31. Getting The Most From Your 401(k)

    There are a lot of risks when it comes to building a strong nest egg, and it's important - now more than ever - to take an active role in diversifying and managing your own retirement finances.
  32. Obamacare Update: Canceled Health Plans And Subscriber Options

    The president's latest change to the Affordable Care Act has subscribers choosing between continuing coverage with an out-of-date plan, accepting their insurer’s proposed plan, or finding health insurance somewhere else.
  33. 5 Pitfalls Of Shopping On Black Friday

    Black Friday is a fun American tradition, but it comes with dangers. Avoid these things to have a safe day of shopping on Black Friday.
  34. The Drawbacks Of Single-Payer Healthcare

    Universal healthcare has many benefits, but if there's no such thing as a free lunch, then in what ways are single-pay citizens paying for their "free" healthcare?
  35. Avoid 'Winging' Retirement: Don't Make These Investment Mistakes In Your 50s

    Even with a good, solid retirement program well underway, there are important retirement mistakes to avoid once you're in your 50s.
  36. Black Swan Events And Investment

    These world-changing events are rare and difficult to predict, but they have serious implications for your investments.
  37. The Main Flaw With Obamacare

    Given how rocky its first few weeks of existence have been, it's time to start assessing how viable Obamacare is in the long run, and what will replace it should it fail.
  38. Executive Pay: How Much Do Shareholders Really Care?

    How much do shareholders - or the public - really care about executive pay? A new SEC proposal may be aimed at finding out.
  39. 10 Retailers With Incredibly Flexible Return Policies

    You may not always know what to buy for some people on you gift list, but at least you can make sure the gift is easy to return.
  40. Five Rules To Improve Your Financial Health

    Learn five broad personal finance rules that can help get you on track to achieving specific financial goals.
  41. 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 need to know about these contractual conditions.
  42. Get The Most Out Of Employee Stock Options

    These plans can be lucrative for employees - if they know how to avoid unnecessary taxes.
  43. Buying A House Sight Unseen: Good Deal Or Bad Mistake?

    There are significant risks that need to be acknowledged before buying a home without viewing it in person.
  44. Six Critical Rules For Successful Retirement Investing

    Specific retirement investing "rule of thumb" tips are helpful, but there are broader guidelines to follow if you want to have enough income to retire when and how you want.
  45. 7 Ways To Successfully Settle A Dispute With Your Bank

    Whether the problem is a small one or something serious enough to harm your credit rating, handling a dispute with tact and using the proper channels can save time and aggravation.
  46. The Benefits Of Starting An IRA For Your Child

    Many financial experts and educators believe that the earlier children begin learning about money, the better their chances for financial stability in the future.
  47. The Big Squeeze On Your Wallet

    The Federal Reserve has been printing money to cover some of our debts, but how long can they do so without spawning hyperinflation?
  48. Money Mistakes You Can't Make In Your 40s

    According to Forbes, by 45 years of age, about three times your annual salary should be socked away in savings. Are you on track?
  49. Contingency Clauses In Home Purchase Contracts

    Here, we introduce widely used contingency clauses in home purchase contracts and how they can benefit both Buyers and Sellers.
  50. Is Foreclosure Ever a Good Idea?

    Foreclosing on a home has major ramifications that can last for years, but for some, foreclosure may seem like the only option.
  51. How To Get Around The Health Insurance Marketplace Glitches

    When concussive maintenance fails you, we have the solution for working around the technical problems plaguing the Obamacare sign-up website.
  52. A Million Dollars Isn’t What It Used To Be

    In 2007, an investor with $1 million could earn $60,000 annually on a certificate of deposit. Today, that same CD would earn $12,000, which makes things a lot more difficult.
  53. Reading The MBA Mortgage Purchase Index

    By following the trend shown in the MBA Purchase Index, investors can identify investment opportunities in businesses that are poised to benefit, and find cautionary signals around industries and companies that are likely to suffer.
  54. Why Banks Are Scrambling To Hear Your Complaints

    Find out the real reasons why banks are trying to reach angry customers before they file a complaint to the CFPB.
  55. Tax Tips For The Last Quarter Of 2013

    Tax time may not be right around the corner, but the last quarter of the year is here, so it’s time to get in gear to maximize the potential for tax deductions as the year draws to a close.
  56. When, Why And How To File A Complaint With The CFPB

    When the employees you interact with at your bank, credit card company, mortgage lender or other financial institution seem incapable of or unwilling to resolve your complaint, the Consumer Financial Protection Bureau's process may help you get a better result.
  57. Magic Retirement Numbers: As Real As Every Elvis On The Las Vegas Strip

    Many folks find their "magic retirement number" when they are young and fully believe that if they hit that number, they will live the retirement of their dreams. What they don't realize is the number of assumptions that have gone into calculating that number.
  58. Don't Fall Victim To These Obamacare Scams

    There are numerous fake Obamacare websites that attempt to look like an insurance exchange, when they are really just individuals trying to take your money and obtain your personal information. Find out how to protect yourself.
  59. Lowering Your Costs For Marketplace Health Insurance Coverage

    Here, we take a look at how you may be able to lower your costs for health insurance coverage in 2014 though the Health Insurance Markerplace.
  60. The Unique Ways Women Approach Finance

    Understanding gender differences and how they are changing is fundamental to understanding the investing world.
  61. Beware The Liability Of Sharing Your Car With Strangers

    Car sharing, the newest way to rent a car, is catching on in the U.S., Canada and Europe. But both renters and the car owners they rent from may be taking on risks they don’t fully understand.
  62. Essential Health Benefits Under The Affordable Care Act

    Under the Affordable Care Act, certain preventive health services and these 10 essential health benefits are the minimum requirements for many health insurance plans.
  63. When The Offense Changes, The Defense Needs To Adapt

    Sports are like investing: you don’t blindly use a strategy without considering your opponent’s next move, his strengths, and his weaknesses. To win, you have to adapt.
  64. DIY! How To Sell Your House Without A Broker

    Thanks to social media sites like Pinterest, people are showing their enthusiasm for DIY, or do-it-yourself projects to save money -- and selling your home shouldn't be any different.
  65. Interesting Facts About Imports And Exports

    Imports and exports exert a profound influence on the consumer and the economy. Learn what affects these figures, and in turn how these figures affect the economy.
  66. Monetarism: Printing Money To Curb Inflation

    Learn how Milton Friedman's monetarist views shaped economic policy after World War II.
  67. Fox Business Network's Gerri Willis: What Gen Y Learned From The Great Recession

    The financial crisis that just notched its five-year anniversary was the ultimate classroom for investors and savers. And, according to a new survey by Fidelity Investments, Gen Yers were taking better notes than just about anybody else.
  68. How Interest Rates Affect Property Values

    When interest rates fall, real estate prices tend to increase. Why? Find out here.
  69. 7 Essential Questions To Ask Aging Parents About Their Finances

    No one wants to think about the aging of his or her parents, let alone plan for their death. Unfortunately, aging is a part of life, and in order to truly support your parents, it's best to start asking questions now.
  70. Tortoises Win The Retirement Race

    People are having children later in life, which leaves them with less time to accumulate savings for retirement. For late boomers, that means the time is now to start getting serious about retirement, even if they aren't empty-nesters just yet.
  71. How To Choose Between Bronze, Silver, Gold And Platinum Health Insurance Plans

    Here, we explain the different coverage levels within the new Health Insurance Marketplace and help you choose among the Bronze, Silver, Gold and Platinum health insurance plans.
  72. How To Manage Lifestyle Inflation

    Learn how to manage your finances so that making extra money actually equates to getting ahead.
  73. Introduction To Retirement Money Market Accounts

    Money market funds are used in retirement plans and accounts because they are liquid, stable and pay competitive rates of interest.
  74. Getting Shocked By Utility Stocks

    Utility stocks are traditionally thought of as safe investments, no matter what happens at Wall Street. A recent analysis shows that this isn't really the case.
  75. How Analyzing Economic Trends Will Help You Save Money

    It may seem like a tactic for active traders, but following economic trends can help you to save and make money.
  76. How To Keep Costs Low When Refinancing Your Home

    With interest rates still being relatively low, now is a great time to capitalize on refinancing your home. Be aware of what fees are involved in a refinance, and how to keep these costs low.
  77. Introduction To Treasury Inflation-Protected Securities (TIPS)

    If you want to protect your portfolio from inflation, all you need are a few TIPS.
  78. Are You Really Retired Just Because You Stopped Working?

    Retirement doesn't have to mean the end of working, it can be just the end of working to get by every week. Retirement should be about working only if you want to, not because you have to.
  79. Introduction To Financial Planning Organizations

    Organizations such as the FPA and NAPFA are striving to provide higher standards for the financial planning profession and greater protection for consumers through a combination of community programs, public educational and legislation.
  80. Introduction To Coincident And Lagging Economic Indicators

    Investors can learn a lot, or very little, from these indicators once they know how to use them.
  81. A Day In The Life Of An Auditor

    If you like the idea of examining and attesting to a company's financial performance for a living, a career in auditing might be right for you.
  82. How To Cut Your Mutual Fund Fees By Up To 90%

    Most mutual funds don’t come close to beating the indexes they’re compared against. And yet they carry steep fees for active management. Find out how a little research and effort can cut your mutual fund fees.
  83. 5 Money Moves To Make In September

    From a financial perspective, September is a great time for a quick reboot of your financial mind-set.
  84. How To Properly Research For The Best Mortgage Rate

    You’ve probably been told to shop around for the best rate, but what exactly does that entail? Find out how to ensure you're getting the best possible rate on your mortgage.
  85. 5 Ways To Protect And Grow Your Retirement: Whether You’re 45 Or 75 Or Somewhere In Between

    Investors who take steps now can shield themselves from the coming challenges thrust upon retirees.
  86. The Opposite Of Spoiled: The Right Way To Teach Kids About Money

    There are dozens of financial literacy programs in the United States right now, but none of them seems to be effective. Why is that?
  87. How To Become An Investment Bank Analyst

    Financial services firms are taking a laser-like focus on analyst responsibilities and will favor candidates who bring the following "must-have" attributes to the negotiation table.
  88. 4 Credit Card Rewards Gimmicks Revealed

    Credit card rewards programs are everywhere, but some are more rewarding than others. Learn to spot the "rewards" that can leave you feeling like a loser.
  89. What's The Point Of Owning All This Stuff?

    Are you a portfolio hoarder, hanging on to poor performers and investments that no longer match your objectives? It's time to purge those investments and put that money to use to match today’s needs.
  90. Washing Trades In A Canadian Registered Account

    For Canadian RRSP accounts, washing same-day trades and using money market funds to bridge the gap over a multi-day trading period saves investors the exchange fee and will help their bottom line while rebalancing securities. Read on to find out how to wash your trade.
  91. Financial Risks That Don't Pay Off: The Cost Of Reckless Financial Behavior

    Despite the recessions, citizens continue to take financial risks and spend outside of their means without fully appreciating the potential consequences for both themselves and the wider economy.
  92. 4 Benchmarks To Keep Your Retirement Finances On Track

    In today’s near-zero percent interest rate environment the old ways of investing for retirement no longer apply. Learn the sober reality of the fundamental changes we all need to make to ensure we don’t run out of money during retirement.
  93. Understanding Interest Rates: Nominal, Real And Effective

    Interest rates can be broken down into several subcategories that incorporate various factors such as inflation. Smart investors know to look beyond the nominal or coupon rate of a bond or loan to see whether it really fits their investment objectives.
  94. The Overlooked Answer To Retirement Woes: Your 401(k)

    Sometimes, landing free money is as easy as asking. Find out how to get the most out of your 401(k) retirement plan.
  95. Investing With A Purpose

    Your reasons for investing are bound to change as you go through the ups and downs of life. Setting goals is the first step in determining which investment vehicles are right for you.
  96. Why Companies Stay Private

    Many private companies prefer to stay private and find alternate sources of capital. Find out what firms have to gain by eschewing the windfall from a flashy IPO.
  97. To Rent Or Buy? There's More To It Than Money

    Your lifestyle, level of commitment and the trade-offs need to be carefully weighed.
  98. To Rent Or Buy? The Financial Issues

    Thinking of buying a home? We look at the initial and ongoing costs, as well as the so-called benefits.
  99. Student Financial Aid Changes: FAFSA 2013

    Here is a look at some of the major changes to FAFSA in 2013 and how they will affect students' financial aid.
  100. 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.
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