Personal Finance Articles

  1. 8 Gifts For Financial Geeks

    Put one of these unique offerings under someone's tree this year.
  2. 4 Tips For Using Credit Cards Overseas

    Overseas travel can be both confusing and expensive, so here are some ways to minimize the cost of spending abroad.
  3. Recognize And Avoid "Work At Home" Scams

    From pyramid schemes to envelope stuffing, there are a lot of scams masquerading as legitimate part-time work.
  4. Tax Tips For The Individual Investor

    We give you seven guidelines to help you keep more of your money in your pocket.
  5. The Generation Gap

    Studies suggest that young workers may not be able to retire comfortably - or at all.
  6. A Closer Look At Accelerated Benefit Riders

    Accelerated benefit riders can allow policy holders to access the death benefit in their life insurance policy while they are still living if they meet certain conditions. Knowing what you get for what you pay can help you to more intelligently purchase these products.
  7. How Google's Self-Driving Car Will Change Everything

    Self-driving vehicles are coming fast, and they’re going to radically change what it’s like to get from point A to point B, not to mention the town or city you live in.
  8. Will Filing An Insurance Claim Raise Your Rates?

    An accident can mean higher insurance costs - even if it wasn't your fault.
  9. The Unique Advantages Of VA Mortgages

    Find out how being a veteran can save you money on your mortgage.
  10. Attention Home Buyers! Why You Need A Lawyer

    Property transactions are complex and subject to specific state/local rules. A professional can simplify the process.
  11. Home Loans For Disaster Recovery

    There are numerous government programs available for people who need financial help recovering from a household disaster.
  12. The Evolution Of Banking

    Banks are a part of ancient history. Find out how this system of money management developed into what we know today.
  13. 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.
  14. How To Avoid Falling Prey To The Next Madoff Scam

    Due diligence does work, but the loose reporting standards for hedge funds make extra care and attention necessary.
  15. 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 as your life evolves.
  16. 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 buying protection?
  17. So You Wanna Buy A Franchise?

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

    Many credit cards now reward you for your gasoline purchases. But some are more generous than others.
  19. 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 step — college.
  20. 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 $100,000 check from Andy Bechtolsheim.
  21. 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.
  22. 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 even considering one.
  23. 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.
  24. Cut Commissions With "For Sale By Owner" Sales

    It takes a lot more work, but selling your home without a realtor can have benefits.
  25. 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 more than a silver spoon story.
  26. 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 both up-and-coming and elite tennis players battle for the cup. Started in 1881 in New Port, R.I., the US Open has grown from 26 players and around 100 spectators to over 900 matches and nearly three-quarters of a million people who come to watch the best of the best.
  27. 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 closely watched by investors.
  28. Microfinance: What It Is And How To Get Involved

    This growing industry is full of opportunities for the socially conscious investor.
  29. 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. Here's a quick list.
  30. Real Estate and Crowdfunding: A New Path For Investors

    Real estate investing and crowdfunding - is this a good mix?
  31. 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 easy questions to answer.
  32. 4 Savings Accounts for Investors

    Curious about the best saving accounts and which ones suit investors?
  33. 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?
  34. The 4 Basic Elements Of Stock Value

    Investors use these four measures to determine a stock's worth. Find out how to use them.
  35. 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.
  36. 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.
  37. FAs Should Factor Clients Into Succession Plans

    Financial advisory firms are finally taking succession planning seriously. Here's how.
  38. 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 scams and stay afloat.
  39. 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 also reducing their liability for the actions of other partners.
  40. 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).
  41. 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.
  42. 4 Ways To Value A Real Estate Rental Property

    Learning these concepts is the first step in getting into the real estate investment game.
  43. 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.
  44. Ridiculous Ideas That Made People Millions

    These wacky inventions didn't look like the money machines they became for their creators.
  45. Peak Oil: What To Do When The Wells Run Dry

    Find out how to invest and protect your investments in this slippery sector.
  46. 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 Savings Account.
  47. 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.
  48. 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. Here's what can be done.
  49. 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 huge growth ambitions.
  50. 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 pension.
  51. 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 and their expectations.
  52. 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.
  53. The Power Of Branding

    It's the ultimate economic moat, and we look at the approaches and effects of good and bad branding.
  54. 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.
  55. 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 rates before applying.
  56. 5 Tips For Recession House Hunters

    Follow these five tips to get a leg up on rival bargain hunters.
  57. 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 covers losses when you travel.
  58. Getting A Secured Credit Card

    Because these cards target consumers with difficulty getting credit, be extra careful to avoid predatory lenders when you shop for a secured credit card.
  59. 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, and one that's often tough to solve.
  60. Top Reasons To Apply For An FHA Loan

    When is it a good idea to apply for a Federal Housing Administration loan?
  61. 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 transactions. Here's what to do.
  62. 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 who should fill out a W-4.
  63. Measuring The Benefits Of Home Ownership

    Price appreciation is the biggest factor, but it's not the only thing to consider.
  64. 5 Mistakes That Make House Flipping A Flop

    If you're just looking to get rich quick, you could end up in the poorhouse.
  65. 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 card record at a young age.
  66. 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.
  67. 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 save thousands of dollars.
  68. 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 they deserve?
  69. Mortgages: Fixed-Rate Versus Adjustable-Rate

    Both of these have advantages and disadvantages depending on your financial needs and prospects.
  70. 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.
  71. Are You An Entrepreneur?

    Many people want to start a business, but not everyone has what it takes to succeed.
  72. 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.
  73. 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 go after you – a costly mistake.
  74. Filling Out 1099 Forms

    There are many different 1099 forms for different types of non-employee compensation. We explain the differences among them, with tips on filling one out.
  75. 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 how to fix it.
  76. 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.
  77. 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 enjoy a day off the job.
  78. How The IRS Became So Essential (And So Loathed)

    Even the most enlightened citizen curses taxes, possibly while simultaneously acknowledging that they're the price of a civilized society.
  79. A Primer On Preferred Stocks

    Offering both income and relative security, these uncommon shares may work for you.
  80. 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 its potential. The most widely known estimate of its intrinsic value is $400 billion made last November by the Winklevoss twins Cameron and Tyler at the "New York Times" Dealbook Conference.
  81. 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 they retire.
  82. 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 it lends out from the money it takes in as a deposit. The net interest margin (NIM), which most banks report quarterly, represents this spread, which is simply the difference between what it earns on loans versus what it pays out as interest on deposits.
  83. Why Some Kids Never Leave The Nest

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

    Going solo in financial services can present a host of unexpected challenges.
  85. 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 providers before you borrow.
  86. Discounts & Coupons You're Missing

    Are you missing out on discounts for medical, entertainment and clothing costs?
  87. 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!
  88. Get the Best Savings Interest Rates For You

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

    Beat the tax man come April 15 by investing in a charity-friendly fund.
  90. 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 to the most common questions.
  91. 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.
  92. Top Job Search Mistakes For Finance Grads

    Looking to land your dream job? Skip the entry-level position by avoiding these common errors.
  93. 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.
  94. How the Cost of Living Affects Your Income

    Do you know all the ways cost of living increases can affect your income?
  95. 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: a step-by-step guide.
  96. 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. Here's what to do instead.
  97. 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 fit together?
  98. 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 as possible.
  99. 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.
  100. 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 interest and staggering fees.
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