Personal Finance Articles

  1. 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.
  2. 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.
  3. Get The Most Out Of Employee Stock Options

    These plans can be lucrative for employees - if they know how to avoid unnecessary taxes.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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?
  9. 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?
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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.
  18. 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.
  19. 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.
  20. The Unique Ways Women Approach Finance

    Understanding gender differences and how they are changing is fundamental to understanding the investing world.
  21. 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.
  22. 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.
  23. 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.
  24. 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.
  25. 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.
  26. Monetarism: Printing Money To Curb Inflation

    Learn how Milton Friedman's monetarist views shaped economic policy after World War II.
  27. 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.
  28. How Interest Rates Affect Property Values

    When interest rates fall, real estate prices tend to increase. Why? Find out here.
  29. 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.
  30. 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.
  31. 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.
  32. How To Manage Lifestyle Inflation

    Learn how to manage your finances so that making extra money actually equates to getting ahead.
  33. 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.
  34. 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.
  35. 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.
  36. 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.
  37. Introduction To Treasury Inflation-Protected Securities (TIPS)

    If you want to protect your portfolio from inflation, all you need are a few TIPS.
  38. 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.
  39. 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.
  40. 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.
  41. 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.
  42. 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.
  43. 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.
  44. 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.
  45. 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.
  46. 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?
  47. 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.
  48. 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.
  49. 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.
  50. 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.
  51. 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.
  52. 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.
  53. 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.
  54. 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.
  55. 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.
  56. 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.
  57. 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.
  58. 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.
  59. 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.
  60. 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.
  61. A Lousy Investment That May Be A Good Source Of Income

    In the past few years reverse mortgages have been heavily marketed as the way to become debt, and worry, free. For some seniors a reverse mortgage makes sense, for other though this dream product can quickly become a nightmare.
  62. 10 Steps To Help Erase Errors On Your Credit Report

    According to a study conducted by the Federal Trade Commission, one in four consumers identified errors on their reports that might affect their credit rating in 2013.
  63. Fine Art Can Be A Fine Investment

    The art market is fickle, and there are no guarantees of profitability, but with a little legwork and forethought you can fill your home with images that may prove worthy investments down the line. Consider these tips for choosing fine art and identifying the Michelangelo from the macaroni.
  64. Top 4 Financial Jobs You Can Do From Home

    You don't have to go to an office to make a great salary in the financial sector. Here are the top four highest paying financial jobs you can do from home.
  65. How To Profit From Inflation

    Inflation - defined as a sustained increase in the price of goods and services - seems to be inevitable. While rising prices are bad news for consumers, as it takes an ever-increasing amount of money to purchase the same basket of goods and services year after year, inflation can be quite profitable for investors.
  66. Key Steps To Building A Great Financial Planning Practice

    Following the status quo will kill your financial practice. Find out the tips you need to follow to keep you a step or two ahead of the competition.
  67. 4 Of Today’s Finance Undergraduates Share Their Experiences And Advice

    In this article, we'll take a look at what four real-life finance students are studying this fall, what jobs and internships they've held, what challenges they've encountered, and what they consider to be their dream jobs.
  68. Regression Basics For Business Analysis

    This tool is easy to use and can provide valuable information on financial analysis and forecasting. Find out how.
  69. Investing In Fine Wine

    If you fail to uncork profits in this market, you can always toast your loss.
  70. 7 Courses Finance Students Should Take

    These college classes will help you prepare for the working world. Learn how to stand out from your peers.
  71. The Changing Wealth Demographic (And How To Leverage It)

    Take these steps and you'll be first in line when young investors start looking for professional financial services help.
  72. How To Break Your Bad Financial Habits

    If the current level of economic growth is to be maintained and improved upon, citizens must play their part by practicing responsible spending and borrowing.
  73. Tax Holidays For Back-To-School Shopping 2013

    Find out the types of back-to-school purchases that are exempt from sales tax for each state that is holding a tax holiday.
  74. Should You Trust Your Instincts On Gold?

    The trouble with gold is that even as stocks are going up and the gold price is hurting, investors and central banks are loading up on gold and silver like never before. There’s a disconnect here and one of these sides is right and one is wrong.
  75. How To Reduce Your Debts Without Spending Unnecessarily

    While it is not possible to repay your debts without investing money into the process, you should avoid spending unnecessary sums of cash in the pursuit of a financially liberated future.
  76. The Basics Of Lines Of Credit

    Lines of credit are potentially useful hybrids of credit cards and normal loans. Learn how a line of credit can help (and hurt) your finances, and how to find the best one to suit your needs.
  77. Uncommon Jobs For Your Finance Degree

    Not everyone can land the glamour jobs, but the world of finance has a lot more to offer. Here are some uncommon jobs in finance that you might want to consider.
  78. Summer: Time For Teaching Your Kids About Money

    Use holiday time to teach your children about earning, saving and spending money.
  79. Tax Forms Every Investor Must Understand

    Recent legislation has added a few new items to the list of tax forms that taxpayers must use to report their investment income. Know which forms you will need to file your taxes this year.
  80. Freelancer Or Employer: Identifying Your Next Career Move

    Although the increasing accessibility of independent contracting has created job opportunities, it is important to remember that this method of working also has considerable disadvantages in comparison with traditional employment.
  81. Should You Borrow Money To Make Investments?

    It's high time investors heed the yellow caution flags waving in front of their margin accounts. Much like the NASCAR driver who pumps his brakes to avoid disaster when he sees the caution flag, it's time for us to slow down.
  82. Investment Tax Basics For All Investors

    Nothing can be said to be certain, except death and taxes even in your investments.
  83. How To Match Your Savings Goal With Investments

    Sometimes beginning investors forget the trick to success when it comes to investing money: you need to match your future financial goals to the right kind of investment.
  84. Social Finance Careers: Creating A Better World

    A financial career can be used to do more than just bring in profits. Find out how to get a career with a more social objective.
  85. How Summer Businesses Survive

    Seasonal businesses face particular challenges. Find out how they survive through the cold months.
  86. Will 2014 Mark The Return Of The CD?

    If bank rates follow the pattern that yields in the bond market have already begun to set, CD rates may be the first deposit rates to benefit from rising interest rates.
  87. Top Business And Finance Degrees For 2013

    The current crop of business students are picking in-demand majors with high salaries and flexible career paths.
  88. The Pros And Cons Of Pension Maximization

    Pension maximization can be an effective solution to the single versus joint life payout dilemma that many retirees face. But, there are several factors, such as tax and investment matters, that will decide if this strategy is right for you.
  89. 8 Clear-Cut Ways To Becoming A Better Saver

    These sure-fire budgeting tips will boost your savings quickly. The only trick is setting aside your excuses are getting started!
  90. The Importance Of Work Experience For Students

    Issues facing unemployed graduates stretch far beyond an ailing economy. Use your work experience during school to ensure a better career.
  91. How Long Will You Work When You Should Be Retired?

    Many retirees work during retirement, some by choice following a passion and others by necessity to put food on the table and a roof over their heads. Increasingly it’s the latter group that is growing faster. Preparing now, even if you are retired, by making the right investments and saving more than spending can make the difference between a stress-free retirement and one filled with fear and doubt.
  92. The Benefits Of An Accelerated Bachelor's/Master's Degree

    Accelerating your post-secondary education can save you major time and money.
  93. How To Write An Effective Investment Banking Resume

    A persuasive resume can give you the edge you need in a competitive market.
  94. The Basics Of A 401(k) Retirement Plan

    This plan has become one of the most popular retirement options. Find out why.
  95. How To Be A Top Financial Advisor

    The best advisors love what they do for a living, but they also know what to do to get to the top. This shared advice can help you get there, as well.
  96. Retail Banking Vs. Corporate Banking

    Retail banking refers to the division of a bank that deals directly with retail customers. Also known as consumer banking or personal banking, retail banking is the visible face of banking to the general public. Corporate banking, also known as business banking, refers to the aspect of banking that deals with corporate customers.
  97. 6 Tough Questions To Ask Before Retirement

    While the biggest factor in deciding when to retire is whether you still need or want to work, there are many other variables to consider to ensure a comfortable and secure life after work.
  98. Why Clients Fire Financial Advisors

    The reasons most clients fire their advisors are very simple and easy to address. Find out what you should be doing to keep your clients.
  99. Using ETFs To Replace Your Expensive Mutual Funds

    Fees associated with many mutual funds looks small. Some are barely over 1% or even lower. But over time those fees erode the overall value of your portfolio. And even in the near term, as in the example used in this article, you could end up paying nearly 20% of your gains just for the privilege of holding a fund.
  100. How To Make $1 Million In Finance

    The best opportunities to maximize sheer earning power are in investment banking, private equity and hedge funds. Find out what it takes to succeed in these ultra-lucrative areas of finance.
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