Personal Finance Articles

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. Introduction To Treasury Inflation-Protected Securities (TIPS)

    If you want to protect your portfolio from inflation, all you need are a few TIPS.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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?
  14. 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.
  15. 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.
  16. 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.
  17. 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.
  18. 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.
  19. 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.
  20. 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.
  21. 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.
  22. 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.
  23. 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.
  24. 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.
  25. 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.
  26. 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.
  27. 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.
  28. 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.
  29. 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.
  30. 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.
  31. 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.
  32. 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.
  33. Regression Basics For Business Analysis

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

    If you fail to uncork profits in this market, you can always toast your loss.
  35. 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.
  36. 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.
  37. 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.
  38. 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.
  39. 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.
  40. 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.
  41. 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.
  42. 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.
  43. Summer: Time For Teaching Your Kids About Money

    Use holiday time to teach your children about earning, saving and spending money.
  44. 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.
  45. 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.
  46. 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.
  47. Investment Tax Basics For All Investors

    Nothing can be said to be certain, except death and taxes even in your investments.
  48. 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.
  49. 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.
  50. How Summer Businesses Survive

    Seasonal businesses face particular challenges. Find out how they survive through the cold months.
  51. 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.
  52. 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.
  53. 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.
  54. 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!
  55. 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.
  56. 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.
  57. The Benefits Of An Accelerated Bachelor's/Master's Degree

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

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

    This plan has become one of the most popular retirement options. Find out why.
  60. 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.
  61. 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.
  62. 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.
  63. 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.
  64. 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.
  65. 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.
  66. Why You Shouldn't Worry Too Much About New Student Loan Rates

    A new federal loan interest rate went into effect on Monday, doubling from the previous rate of 3.4% to 6.8%. Despite the hike, there's actually little cause for alarm for the majority of people with student loan debt.
  67. Fiduciary Designations For Financial Advisors

    Attaining the AIF or AIFA could help both you and your clients enjoy a comfortable retirement.
  68. How Your VantageScore Credit Report Is Calculated

    Deficiencies in the FICO credit report have led to the creation of a new credit scoring system - the Vantagescore. Find out what factors determine this credit score, and how the model can benefit you.
  69. Is Higher Education Still A Good Investment?

    Rising tuition fees and an ailing job market continue to perpetuate a cycle of spiralling student debt and lost opportunities. Has post-secondary education become a bad investment?
  70. Private Equity A Trendsetter For Stocks

    In this article, we'll show you how private equity sets the trend for stocks everywhere.
  71. 5 Ways To Increase Your Chances Of Getting A Job After College

    Reports show that new college grads are either unemployed or under employed. Here's how to increase your chances of getting a job.
  72. The Best Entry-Level Finance Jobs For 2013

    Here's a look at the most rewarding entry-level jobs, in terms of salary and future career prospects, and what you can expect from them.
  73. The Causes And Costs Of Absenteeism

    Playing hooky to play golf may feel harmless, but the accumulated effect of absenteeism hurts businesses' bottom line. This article looks at the causes of absenteeism, the costs of lost productivity and what employers can do to reduce absenteeism rates in the workplace.
  74. Turning A Subsistence Retirement Into A Luxurious Retirement

    It seems many investors these days, particularly seniors, either go it alone with no outside guidance or they completely abdicate responsibility to a financial advisor who may or may not have their best interests in mind. In this article we’ve tapped Jeff White, founder and president of American Financial Group, to show us how to get the most from using a financial advisor while keeping our independence.
  75. New Tax Rules Target The Top Tax Bracket

    The American Taxpayer Relief Act brings about new tax rules for the wealthy that people such as Warren Buffett have been calling for over the last few years.
  76. Use Caution Trading Pink Sheet Stocks

    Pink Sheets stocks offer exciting opportunities to increase portfolio returns by large magnitudes in a short time. However, these opportunities come with significant risks. Investors need to be extremely cautious and diligent with research and analysis of each investment.
  77. Consequences Of Maxing Out Your Credit Card

    With the average credit card holder owning 3.5 cards, it’s important to manage and keep track of purchases made with your card, so you don’t go over your credit card limit or cap.
  78. Helping Clients Navigate Short Sales And Foreclosures

    Both buyers and sellers can benefit from a real estate professional experienced in dealing with short sales and foreclosures.
  79. How Much Should You Have In Your 401(k) To Retire?

    Here are some tips for retirement goals, general investing rules and what to focus on while saving.
  80. Credit Card Arbitrage: Free Money Or Dangerous Gamble?

    Credit card arbitrage is a way to make some money, but it's a major gamble with devastating risks.
  81. 5 Overused Resume Phrases

    Here are five phrases to avoid if you want your resume to stand out in the crowd.
  82. The Financial Fallout Of The DOMA Repeal For Same-Sex Couples

    The recent Supreme Court decision to repeal the Defense of Marriage Act has paved the way for same-sex couples to enjoy the same federal benefits as opposite-sex couples.
  83. 5 Budget Tips For Your European Backpacking Trip

    In this article, we'll explore a few ways you can enjoy the sights and sounds of Europe without breaking the bank.
  84. How To Survive When Prices Double Every Day And A Half

    Hyperinflation can destroy your life savings in a matter of months or less. We’ve seen again and again throughout history…Germany in the 1920s, Hungary in the 1940s, Yugoslavia in the 1990s and Zimbabwe just a few short years ago. Hardest hit are seniors who generally don’t have many employment options for boosting their income.
  85. Capital Losses and Tax

    Capital losses are never fun to incur, but they can reduce your taxable income. Knowing the rules for capital losses can help you maximize your deductions and make better choices about when to buy and sell securities or other investments.
  86. Investing In Stock Rights And Warrants

    Many companies choose to issue rights or warrants as an alternative means of generating capital to avoid dilution of existing share value.
  87. A Day In The Life Of A Real Estate Agent

    While every day is unique for a real estate agent, there are some activities that may be a typical part of an agent's day.
  88. 3 Financial Tasks We Think Are Harder Than They Really Are

    Use these three tips to help put your financial situation into perspective. It turns out, organizing your finances isn't nearly as hard as you thought.
  89. All About Zero Coupon Bonds

    Zero-coupon bonds are bonds that do not make any interest payments (which investment professionals often refer to as the "coupon") until maturity. For investors, this means that if you make an investment today in a zero-coupon bond that matures in 20 years, you won't put a single penny worth of income in your pocket for two decades.
  90. Summer Money-Making Opportunities For Finance Students

    These earning methods enable students to generate additional income and provide actionable experience, without compromising their studies.
  91. What Is The Federal Employees Retirement System (FERS) And How Does It Work?

    Unless you are a government employee, you’ve likely never heard of the Federal Employees Retirement System, but if you work in the public sector or plan to in the near future, FERS is an acronym you will soon know well.
  92. No Finance Degree? No Problem! Top 10 Ways To Jumpstart A Career In Finance

    These tips should enable a non-financial graduate to substantially improve his or her chances of launching a career in finance.
  93. 5 Tips For Getting Your Bank Loan Approved

    Find out how to present the perfect, complete package for your lender and increase your chances of gettinga loan approved.
  94. Commuters' University: On-The-Road Learning

    Effectively using your commute time could place you miles ahead of your competition.
  95. 5 Easy Fixes For A High Summer Electric Bill

    These simple tips will help you save money this summer, so you can spend it on more exciting things than electricity.
  96. Budget-Friendly Summer Fun

    Keep the kids out of your hair and wallet by saving on summer camps, sports leagues, day trips and more.
  97. Understanding Profit Metrics: Gross, Operating and Net Profits

    Rather than relying solely on net profit figures to evaluate a company's performance, seasoned investors will often look at gross profit and operating profit as well.
  98. Is It Foolish To Strive For The American Dream?

    Even Jay Gatsby's stubborn optimism in The Great Gatsby would be hard pressed to believe that rags-to-riches stories are possible in today's economy. Find out why the ever-increasing wealth gap is eroding the original American Dream and how we need to redefine our expectations for prosperity.
  99. Real Estate Investing: Is Now the Time to Take Advantage of the Current Buyer’s Market?

    Even though Dennis Miller spent well over three decades writing books and teaching the subject of negotiations, some of the best lessons he learned on the subject came from luck.
  100. The Hidden Fees In 401(k)s

    Learn about the conspicuously disclosed fees that lurk within your 401(k) investments.
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