Personal Finance Articles

  1. 10 Steps On The Career Ladder

    The job market has recovered enough, and people who had to scuffle to find a job can now start thinking about their next ...
  2. Keeping More Of Your ETF Capital Gains And Income

    How can you keep more of what you make or made when you retire? Minimize the taxes from short-term trades and taxable interest ...
  3. How To Avoid Retirement Sticker Shock

    Sticker shock, the realization that the cost of an item exceeds your ability to pay, is not the feeling you want to have ...
  4. Costs And Benefits Of A Home Depot Credit Card

    You probably have at least one regular credit card. Does it make sense to get one branded by Home Depot? Here's why you might ...
  5. The Most Common Roth IRA Investments

    What types of investments are most likely to be found in a Roth IRA (and why)?
  6. Steps To Buy A Home

    When you're ready to purchase a home, take these steps to make sure you get a good deal at a price you can afford.
  7. Decoding The Real Cost Of College

    How you can help yourself (and your child) prepare for and manage the cost of college.
  8. Medigap Insurance: Who Needs It?

    You already have Medicare. Why would you need to spend more money on Medigap? Here's why.
  9. Asset Protection Trusts: Help For Seniors

    How to use an irrevocable trust to qualify a senior for Medicaid and still preserve a portion of assets to support a spouse ...
  10. How Amgen Makes Billions On Just A Few Drugs

    Amgen produces relatively few drugs, but that's doesn't mean it's any less essential or profitable. Here's a look at the ...
  11. How Financial Advisors Can Adjust To Robo-advisors

    Advisors wary of robo-advisors should consider cutting their fees, being more tech-savvy and providing more specialized and ...
  12. How Online Banking Evolved Into A Financial Tool

    While today’s online banking is filled with amazing innovations, there was once a time when all banking was conducted at ...
  13. 7 Times It Costs More To Pay With A Credit Card

    Paying with credit cards can cost you more. Some merchants add an extra surcharge or convenience fee onto each transaction.
  14. 8 Ways To Save Up $1,000 Before Black Friday

    Waiting for Black Friday deals and sales, but you haven’t saved enough? Here, we show you 8 ways to save an entire $1,00 ...
  15. Holiday Savings: A Tip a Day Till Christmas

    Start planning and saving for the holiday season, to avoid starting the New Year with a mountain of holiday debt.
  16. The Key Differences Between ETFs And Mutual Funds

    Given the distinctions between the two kinds of funds, which one is better for you? It depends, so read on.
  17. Three Reasons Why Interest Rates Could Stay Low

    With long-term rates expectations in the US to modestly climb in the near future, interest rates are likely to remain low ...
  18. Munis, Midterms And What To Watch

    There are a few things worth watching in the medterm presidential elections.
  19. Consumer Staples Defend against Volatility

    Volatility has crept back into the market, but consumers can defend against price swings by investing in consumer staples.
  20. Roth IRAs: Investing And Trading Do’s And Don’ts

    Just what can you invest in in a Roth IRA? And what constitutes a prohibited transaction?
  21. 5 Things You Need To Know About Index Funds

    Index funds, at their best, offer a low-cost way for investors to track popular stock and bond market indexes. But not all ...
  22. How Does A Reverse Mortgage Work?

    The basics of getting a reverse mortgage, with detailed information on how to qualify and what to watch out for.
  23. Why Retirement Income Now Costs More

    The cost of future lifetime retirement income has outpaced increases in retirement savings balances. That’s left many pre-retirees ...
  24. 5 Key Factors Your Financial Plan May Not Address

    When the size of your IRAs and 401(K)s inputs a bunch of figures, out comes the verdict, and either: You're guilty of not ...
  25. Success: Hard Work Or Good Fortune?

    Any success that I may have had as a freelancer has been mostly hard work, but auspicious timing and lucky breaks have also ...
  26. What Can an Investor Learn from DuckTales?

    "DuckTales" told the story of Scrooge McDuck. Are there any lessons for an adult investor you might have missed as a child?
  27. When Taking Vows, Vow To Spend Less

    When we first went steady, it didin't matter that we had no money and weren't be able to support ourselves as newlyweds. ...
  28. The Right Place To Retire

    Before my husband and I got married, we made sure to be on the same page about values and children, but we didn’t discuss ...
  29. Closing In On Retirement? Read These Tips

    If you're within 10 years of retiring, you and your financial planner should heed these essential tips.
  30. Transferring Credit Card Balances To A New Card

    Before you take advantage of that new credit card's 0% interest balance transfer offer, read our step-by-step guide.
  31. Can Getting One Month Ahead Save Your Budget?

    My husband and I make a decent income but struggle to keep track of where it all goes and, more importantly, why it always ...
  32. How Sallie Mae Affects Student Loans

    Sallie Mae, which has financed many a college education, originally was a federally chartered government sponsored enterprise. ...
  33. The Top Reasons Behind The U.S. National Debt

    National debt, as with a business, is basically the difference between receipts and expenses--but in the U.S., the latter ...
  34. Do Drivers Really Need Gap Insurance?

    Gap insurance is worth it for drivers who are significantly upside-down on their car loan. That includes lessees and buyers ...
  35. 7 Ways To Protect Against Credit Card Hacks

    If you haven't been hacked yet, it may just be a matter of time. Here's how to protect yourself as much as possible before ...
  36. Get Up To Speed On Car Gap Insurance

    It covers the shortfall if your car is stolen or totaled, and insurance pays less than you owe on your loan. Dealers may ...
  37. Self-Directed IRA: The Right Move For You?

    How to benefit from the self-directed IRA's increased investment opportunities – and avoid the scams.
  38. Short Sale Strategies For Buyers And Investors

    Here's how to figure out if you will make money on buying a short-sale property – and when to steer clear of a deal that's ...
  39. 7 Factors That Affect Your Life Insurance Quote

    While age and gender have the most impact on your life insurance premiums, even your family medical history and hobbies can ...
  40. For Life Insurers, Making Money Is A Numbers Game

    Life insurance is a data-driven industry that relies on complex financial models to predict future expenses and income from ...
  41. 9 Reasons You May Never Retire

    As we face more years on this planet, the quality of that life becomes more important, and so you will need more gold to ...
  42. Top 10 Money Mistakes New Parents Make

    Although having a child is an exciting and exhilarating experience, it is very easy to lose track of finance or make unwise ...
  43. Lifestyle Inflation: Decide If It's Ever Okay

    I recently started sorting out my thoughts whether lifestyle inflation is ever okay and, if so, how do you decide when it ...
  44. Navigating E-commerce: Alibaba, eBay and Amazon

    Amazon, e-Bay and Alibaba were each game-changers in global e-commerce, with each not only finding its own niche, but inventing ...
  45. New 2015 Contribution Limits: Advisors Take Heed

    The Internal Revenue Service's new 2015 contribution limits for tax-deferred savings plans are higher; here's what you and ...
  46. The World's Lowest Cost of Living for Retirement

    6 countries that offer a high quality of living at a low cost for retirees. Great healthcare, plenty of activities, warm ...
  47. Rewrite Your Finance Industry Resume & Get Hired

    Looking for a job in the financial services industry? Here's how to write a resume that gets you noticed.
  48. HUD-1 Form: What Must Be On It

    You can't close on property involving federally related mortgages without a HUD-1 form. Use these instructions for a correct ...
  49. The 5 Countries With The Best Retirement Plans

    Which 5 Countries offer the best retirement plans to their citizens? They're not all in Europe.
  50. Credit Card Breach: How To Stay Safe

    You learn that credit card numbers have been stolen from a store you use. How to protect yourself in general – and what to ...
  51. Do Your Card's Travel Benefits Make The Grade?

    If you take frequent trips, it pays to evaluate the different travel benefits that a credit card offers – from airline miles ...
  52. The Most Helpful Tools On The IRS.gov Website

    Don’t waste your time wading through the slew of private and corporate tax websites out there. Go straight to the source: ...
  53. Top Tips For Winning New Clients

    Advisors looking to attract potential clients need to speak in a straightforward manner, be available for questions and leave ...
  54. IRS Raises 401(k) Contribution Limits By $500

    The 2015 IRS contribution limits for 401(k), 403(b), most 457 savings plans and the government's Thrift Savings Plan were ...
  55. The Top Nonprofit Organizations

    Did you know basketball and volleyball were invented by instructors at a charity?
  56. Want To Impress Clients? Show Your Due Diligence

    Doing the learning legwork for the products and service providers you employ will expand your understanding and impress incumbent ...
  57. ETFs Commonly Found In Retirement Accounts

    Which ETFs are popular in retirement accounts? Here's a look at several and why they might be right for you or your client.
  58. Home Depot's Profitability: The Unvarnished Truth

    As long as people want to maintain and beautify their surroundings, Home Depot will continue to accommodate them — and at ...
  59. Where Unemployment Hits Hardest

    A look at the demographics of unemployment, and what that means for workers around the nation.
  60. Scoring A High-Paying Job In The Banking Industry

    Bankers have earned a reputation as people who get to enjoy the finer things in life. However, most of them are ordinary ...
  61. Dealing With An Underwater Mortgage During Divorce

    Going through a divorce is chaotic enough, but throw in a house with an underwater mortgage and things get particularly messy.
  62. Best Ways To Repair Your Credit Score

    Follow these 6 steps and you'll be on your way to a better credit score.
  63. 7 Ways To Save Money On Business Travel

    Business travel is soaring, especially in America. But though business travel is great for the economy, it's not so kind ...
  64. 10 Steps For First-Time Home Buyers

    It's probably the biggest purchase you've ever made. Here's exactly what to do to prepare yourself and get the best possible ...
  65. Credit Cards With Travel Insurance

    Some credit cards offer travel coverage, which may include trip cancellations, lost baggage and rental-car damages. Just ...
  66. Why Did ETFs Become So Popular?

    How long should a buy-n-hold investor “hold?” If you held the Dow Jones Industrials Average from 1916 - 1981, would you have ...
  67. 3 Money Moves To Make Before A Career Change

    One of the measures of a healthy economy is workers' confidence in their ability to leave a job and find other employment. ...
  68. Top Financial Frights: Emergencies & Retirement

    Americans take a certain pleasure in horror at Halloween. Yet there is a realm in which they don't seek horror: their finances. ...
  69. 8 Common Refinance Mistakes

    As mortgage rates creep higher, there's still time to dump your mortgage rate for a lower one. But don't ruin your chance ...
  70. Preventing Medical Bankruptcy

    Medical expenses are the number-one cause of bankruptcy in the United States. Here are some steps to protect yourself.
  71. Flight Insurance Can Take The Worry Out Of Flying

    If paying for a missed flight or lost baggage is prohibitive, obtaining some flight insurance might just be a good idea.
  72. Is Cash Or Credit Better For European Trips?

    If you're traveling to Europe, make sure you have a widely accepted credit card that uses chip technology. It doesn't hurt ...
  73. 6 Ways To Jump-Start Your Savings Account

    While Americans have succeeded at paying some of their debt over the past years, the median household's savings have declined ...
  74. 5 Money Moves To Make By Year's End

    People hate deadlines. They dread them, shirk them and skirt them. But deadlines can also prompt you to get things done so ...
  75. Insurance Myths Involve Houses, Cars & Big Crashes

    Any confusion over what to buy or how to use a product can end up being costly, but when it comes to insurance, misunderstandings ...
  76. TIPS Are Unloved And Under-Owned

    Do you use protection? Because based on the recent, wild action in the markets, it seems as though many people have been ...
  77. World Cities With The Highest Quality Of Life

    Cities that usually top quality of life surveys have similar characteristics – they are usually midsized, with populations ...
  78. When Is A Franchise The Right Investment For You?

    Do you have the right mix of credit, capital and business savvy to make you an ideal candidate for buying a franchise?
  79. Educating Your Clients About Cybersecurity

    Financial advisors must lead the charge against cybersecurity risks, for their clients and for their own practices.
  80. Building A Fortune: Jerry Jones And The Cowboys

    From insurance and wildcatting, to licensing and pizza, Jerry Jones has rolled the dice and frequently won. Here's how the ...
  81. Are You A Target For Identity Thieves?

    The Americans at highest risk for identity theft and identity fraud aren't the ones you most expect. See if you're on the ...
  82. Want to Travel the World in Retirement? Here's How

    Dreaming of a retirement spent traveling the world? Here's how to start turning that dream into reality.
  83. Avoid Becoming An Identity Thief's Next Victim

    Use these 7 techniques to keep yourself under the radar and out of the way of identity thieves.
  84. One Reason Rates Are Likely To Remain Low For Long

    While I believe that the Federal Reserve (Fed) is likely to begin raising rates sooner than the market expects, rates are ...
  85. Retirement Investment Strategies by Age

    Saving and investing for retirement ideally should begin the moment you start working — if not before — and continue well ...
  86. Steps To Retiring With A Reverse Mortgage

    Follow this simple six-step guide to investigating a reverse mortgage. And be sure to compare it to other ways home equity ...
  87. Six Things Bad Financial Advisors Do

    So you've gone to the trouble and expense of hiring a financial adviser. Here's how to decide whether they're doing you right ...
  88. Which Credit Cards Are Best For A Small Business?

    Even the best business cards aren't all alike. Choose the card – or cards – with features that yield the most for how your ...
  89. 10 Money-Making Jobs For Retirees

    Reaching retirement age doesn't mean you actually have to stop working. A retirement job can provide activity, mental stimulation ...
  90. 10 Questions You Forget to Ask When Buying a House

    If you are thinking about buying a home, you are not alone. According to the New York Times, more Americans are getting home-buying ...
  91. When Your Job Offers An Awful Retirement Plan

    So you've decided to start saving for retirement. Good news: it's never too late. Bad news: Your employer offers a paltry ...
  92. 3 Credit Card Benefits You’re Paying For But Not Using

    Unnecessary expenses are easy to eliminate once you look at your spending, but not all expenses are obvious, especially when ...
  93. Alternatives To Business Bankruptcy

    Bankruptcy isn't the only alternative for a struggling business. It can try negotiating with creditors or liquidating assets ...
  94. Fee-Only Financial Advisers: What You Need To Know

    Are you considering hiring a fee-only financial advisor or one who is compensated via commissions? Read this first.
  95. An Investor's Guide To Bank Stress-Testing

    Just how are bank stress tests performed and what is the logic behind them? And is a stress test useful for evaluating a ...
  96. 5 Biggest Money Mistakes & How To Fix Them Fast

    Financial mistakes - like most mistakes in life - can generally be avoided with forethought, planning and self-discipline. ...
  97. Top 5 Strategies To Pay For Elder Care

    The cost of a nursing home, assisted living facility or home care can be ruinous. Try these routes to help seniors qualify ...
  98. 5 Top Alternatives To A Reverse Mortgage

    If you have substantial home equity and don't want to do a reverse mortgage to tap it for retirement expenses, cost out these ...
  99. Overcome Your 6 Biggest Digital Banking Fears

    Cybersecurity -- or a lack thereof -- has consistently made headlines this year.
  100. What is Your Biggest Fear About Mobile Banking?

    It hasn't been a great year for cybersecurity, from Target's Black Friday hacking to this month's security breach at JPMorgan ...
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