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4 Financial Mistakes Our Parents Made and How to Avoid Them You can learn a thing or four from Mom and Dad...such as how NOT to handle investing, spending and saving.
Financial Files You Can Toss Tax time is a perfect opportunity to get rid of paper cluttering up your home or office. Here's how to "de-clutter" your life.
3 Investing Rules to Rescue Your Retirement In a recent interview, two financial experts spoke about how to maximize yield, safety and capital gains during what they expect will be a lengthy period of below-average total returns from stocks.
New Options for Retiree Health Benefits Several alternatives are emerging as employers drop retirees from group health plans.
Marriage: Now Even More Taxing New rules will increase the "marriage penalty" for many high-earning couples.
How Entrepreneurs Can Get Big Tax Breaks For Retirement Savings This article provides insights into using solo 401(k) plans and other retirement-saving devices.
A 10% Annual Payout For Retirees Would you be interested in a strategy that yields a 10% or better annual payout during retirement? One that has some tax benefits, at least if you play your cards right? Then consider investing in a deferred fixed annuity.
The Most Successful Leaders Do 15 Things Automatically, Every Day If you are looking to advance your career into a leadership capacity or you've already assumed leadership responsibilities, here are 15 things you must do automatically, every day, to be a successful leader in the workplace.
More Estate Tax Changes Could Follow Fiscal Cliff Deal Here's what can be expected on estate taxes following the compromise agreed to by Congress at the start of the year.
Fiscal Cliff: Two Monster Problems Loom Ahead A large portion of what politicians needed to face in fiscal cliff talks has been left for another day. Here are two of the main obstacles: the debt ceiling and the sequester.
How to Get a Big Return From Spending $1,000 Take $1,000 and invest in stocks, your career and even your love life. These ideas are designed to pay dividends.
The Most-Overlooked Tax Deductions Don't let a knowledge gap prevent you from taking advantage of these money-saving tax breaks.
How Much Money You Really Make Before you can calculate how much a job pays, you have to figure out how much it costs. Sometimes a higher salary can actually leave you with less time and money.
New Retirees: Avoid These Mistakes From jumping the gun to moving too far, these are the blunders not to make when transitioning into retirement.
A Trillion Dollar Tax Increase That Republicans And Obama Should Agree To With America hurtling towards the fiscal cliff, the author proposes elimination of the tax exemption for municipal bonds.
10 Reasons Your Top Talent Will Leave You Despite all the emphasis on leadership development, many companies struggle to retain their top talent. Here are some interesting observations from the author.
How to Avoid the Medicare High-Income Surcharge You might not have to pay extra for Medicare if your income has dropped because of certain life-changing events. Find out if this applies to you.
Cutting the High Cost of End-of-life Care Aggressive end-of-life care is expensive and often fails to improve or lengthen the lives of the terminally ill. Here's how to ensure that a loved one's final days bring true comfort.
Market Timing: Not a Good Retirement Strategy Bear and bull markets are easy to identify in hindsight, but difficult to impossible to predict in advance. Don't base your retirement investing on what you think the market may, or may not, do.
Take a Ski Trip for Less This Winter A ski trip doesn't need to leave your wallet as light as fresh powder. Just pick the right destination and you can save on airfare, lodging and lift tickets.
13 Ways to Waste Money During the Holidays Sure, it's the season of giving. But if you're not careful, you'll end up wasting money. Here are 13 holiday money wasters to avoid.
10 Things 401(k) Plans Won't Tell You The article argues that out-of-control fees and below-par investment options could delay your retirement -- or rob you of it entirely.
10 Things Mutual Fund Companies Won't Say The article explains how runaway pay, powerful lobbies and rising fees are diminishing the value of the humble mutual fund.
America's Oil Bonanza The International Energy Agency (IEA) predicted that the United States would become the world's largest oil producer by 2020, outstripping Saudi Arabia and Russia. What's behind the trend?
How They're Getting Ready for Retirement You might take a lesson from these folks who are prepping their finances for their next phase.
A New Rule of Thumb For Tapping Savings Bucking the conventional wisdom, tapping a traditional IRA early in retirement could pay unexpected dividends.
Wealthy Home Buyers Return to Risky ARMs Luxury-home buyers are returning to adjustable-rate mortgages despite pitfalls that pushed many homeowners into foreclosure during the housing bust.
A Price-Cutting War in Your 401(k) Facing new cost-disclosure rules, some mutual funds are creating cheaper share classes for retirement plans.
The Best-Paying Jobs You Can Do From Anywhere More companies are ramping up their hiring of anywhere workers who don't need to come into or even be near the corporate office. So where are these high-paying virtual jobs that can be done anywhere from your couch to your local coffee shop?
Don't Tie Allowance to Chores Here's why parents shouldn't use money to motivate kids to help out around the house.
How to Retire Rich: 4 Smart Steps at Ages 21-35 Because you're decades from retirement, contributions to a 401(k) or other retirement plan will have years to compound and grow. Even a modest contribution now will pack a much greater wallop than a significantly larger contribution when you're in your forties and fifties.
Why France's 75% Income Tax Rate Is Going to Be So Disastrous France has just announced that it is going to bring in a new 75% income tax rate on top earnings. Here is the fall-out you might expect.
FAQs on the New Health Care Investment Tax A new 3.8% surtax will apply to certain investors in 2013. Find out whether you'll have to pay this new surtax and learn strategies for minimizing it.
New Limits on Flex Accounts Coming Starting in 2013, the amount employees will be allowed to contribute to medical flexible spending accounts will be limited. Find out the details.
Do You Have What It Takes To Be a Millionaire? Do you have what it takes to be a millionaire – and will you know how to live the good life when you become one? Take this quiz to find out the (often surprising) answers.
Health Care Reform Could Cost You Far from being the last word, the Supreme Court's decision on the health care reform law set off a flurry of activity. States, employers and insurers are scrambling to prepare for the next phases of the law's rollout. Expect the law to become a major election issue. Read more:
Cut the Red Tape Are you tied up in knots over hassles such as getting through to your credit card company, gaining access to family health records, fixing an error on your credit report, changing telecom providers, or even changing your name? Here are no-nonsense solutions to help you solve 16 financial problems.
Rolling Over Uncle Henry's 401(k) Recent law changes allow non-spousal inheritors of retirement accounts to defer taxes. Here's how to do it.
Strange New Ways to Pay for College Some families are foregoing pricey student loans in favor of alternative strategies. This article weighs the pros and cons.
After Death, Getting Your Heirs to Do Your Bidding Expiring gift- and estate-tax breaks make now a good time to set up an irrevocable trust. Here's what to do.
Protecting Your Virtual Estate What happens to all of your e-mail and other digital assets when you die? Financial pros say not knowing can be costly.
8 Low-Interest Student Loans This article identifies eight startups, state programs and foundations that offer bargain loans charging as little as 1%. Some even offer the chance to get as much as 75% of the debt forgiven.
Save Your Way to $1 Million This story explains how saving aggressively for a decade can help you reach millionaire status by the time you retire.
12 Things College Students Don't Need As the cost of college continues to rise, reconsider some of these expendable expenses. You may be able to trim some of the fat.
Insurance for College Students Before your college student heads back to school, make sure that they have adequate insurance protection.
Why You Need to Have Fun to Be Successful In an interview, a prominent business leader talks about his two step approach to success, how to make your job more enjoyable, how to get good at something, and more.
Wipe Out Pesky Fees This article shows you how to eliminate many of the nuisance charges that try your patience and drain your wallet.
10 Things Divorce Attorneys Won't Say Here is a "heart-to-heart" on why it costs so much and takes so long to get out of wedlock.
Five Ways To Make People Hang On Your Every Word Consider this writer's take on the importance of public speaking mannerisms.
The 25 Best Places To Retire In 2012 Forbes has released its annual list of the Best Places to Retire. For 2012, it has expanded the roster from 16 cities to 25, located in 18 states.
How Big is Our Big Deficit? A contentious debate in D.C. is how to tame the ballooning budget deficit. What measures -- spending cuts, tax hikes -- are needed? Here's how we got here and how big our debt really is.
Save on Health Care, Even as Your Body Falls Apart As you age, aches and pains appear, and your body costs more to maintain. Fortunately, you don't have to choose between saving yourself and your wallet. Here are strategies to cut your costs.
30 Ways to Cut Health Care Costs If you're like most Americans, you're shouldering a larger portion of your health care costs. But as more insurers raise deductibles and switch from fixed-dollar co-payments to coinsurance, you have an incentive to take more control over spending.
Financial Records You Should Keep -- and Toss Finishing your taxes typically is more of a relief than a feel-good moment, but turning on your shredder can brighten your mood even more. Find out which papers you should keep and which ones you can toss.
Preserving One's Standard of Living in Retirement You may be familiar with individual strategies for filling income gaps in later life: saving more at work or cutting household expenses, among other steps. But carefully combining a handful of these efforts could be the best way to reach your retirement goals.
7 Bargain Summer Destinations Thanks to a glut of rentals and un-booked hotel rooms, experts say it's still possible to score a cheap summertime trip. Here are seven possibilities.
Should You Borrow From Your 401(k) or 403(b)? Many workers with 401(k)s can borrow from their plans. And a growing portion of 403(b) plan participants can too. But does it make sense to tap your 401(k) or 403(b) to pay off a loan?
5 Steps to a Secure Retirement If you're like many Americans whose retirement savings took a major hit during the market meltdown a few years ago, you're probably wondering if you'll ever be able to retire. But you may be in better position than you think.
Pay Off the House or Keep the Mortgage? Consider these critical factors when weighing the decision to pay off the house.
71 Ways to Cut Your Tax Bill Filing your tax return is a once-a-year event but trimming your tax bill requires year-round attention.
Tax Planning for Life's Major Events As your life changes, so does the set of tax rules that affect you. That's why this compendium of life events is so important -- to alert you to new opportunities to embrace and pitfalls to avoid as your life as a taxpayer evolves.
Getting Kids to Start Saving Money One survey, which focused on children, found that parents overwhelmingly feel it's their responsibility to teach their kids about money and savings, but that they don't always follow through. Here are some helpful tips.
The New Grease? WITH the euro crisis in abeyance, high oil prices have become the latest source of worry for the world economy. Assessing the dangers means answering four questions.
30 Ways to Cut Health Care Costs If you're like most Americans, you're shouldering a larger portion of your health care costs. But as more insurers raise deductibles and switch from fixed-dollar co-payments to coinsurance, you have an incentive to take more control over how much you spend.
5 Ways to Avoid an IRS Audit As the U.S. cracks down on tax dodgers, this article offers some tips for keeping the taxman away.
Penalty-Free Ways to Raid a 401(k). There are several ways to raid retirement funds without triggering the dreaded 10% penalty on early withdrawals. This article presents the possibilities.
6 Things That Will Be Less Expensive in 2012 Even though it may seem as if everything is getting more expensive these days, there are a few exceptions. From wine to tablet computers, here are some of the purchases you'll pay less for this year.
4 Tips For a Healthy, Happy Retirement How can retirees improve their health and minimize costs and thus maximize their happiness in retirement? One expert shares some tips.
6 Tips for Job Seekers Over 50 This article offers advice to older workers on how to keep age from interfering with an effective job search.
A To-Do List for the Surviving Spouse This checklist can help widows and widowers figure out which tasks to address early on and which ones can wait.
The Economy: Four Lessons From 2011 for 2012 Although 2011 is ending on a positive note with stronger growth and lower unemployment, it was a tough year. As 2012 beckons, here are four things from the lst year that can affect the economy in the new year.
6 Tax-Smart Ways to Help Your Kids (or Grandkids) Here are a half-dozen ways to help out the younger generation with tax breaks to boot.
8 Smart Estate Planning Steps to Die the Right Way Making arrangements for your final days and beyond isn't just about helping your family through difficult times. It also lets you designate representatives to make decisions about your care, withdraw money from your accounts to pay your bills and celebrate your existence exactly the way you want
Some Long-Term-Care Insurance Is Better Than None A modest long-term care insurance (LTCI) policy may not cover all the costs of a nursing home stay, but having some LTCI coverage is better than none.
The Most-Overlooked Tax Deductions The opportunity to make mistakes on your tax return is almost unlimited and missed deductions can be the most costly. This article presents some common blunders.
Improve Your Investing Decisions By Ignoring Short-Term Predictions Believing in the illusion of control, or the ability to forecast the future, can cause harm to your portfolio. Once you recognize the futility, the tendency toward overconfidence will diminish, and that will improve investing decisions.
Year-End Moves to Avoid the Medicare High-Income Surcharge Advice on how to lower your income so you won't have to pay higher Part B and D premiums than other beneficiaries.
Trim Taxes by Boosting Retirement Savings There's still time to trim your 2011 income tax bill and boost retirement savings at the same time. Participants can set aside generous annual amounts in their 401(k) or 403(b) plans.
5 Online Tools for Managing Airline Miles Keeping track of frequent flyer miles used to mean excel spreadsheets, remembering multiple website logins, and lots of headache. Fortunately, these websites can make it much easier and prevent you from letting points expire.
The Best Travel Rewards Credit Cards Whether you're a frequent flyer or just seeking a generous rewards program, there's a card for you.
10 Free Business Tools Too Valuable To Ignore In the spirit of understanding that "free" is not always a good option, here is a list of ten resources and tools you'd be crazy not to use. For each, the free version is actually a good, productive, legitimate product or freely shared trove of valuable content for everyone to consume.
How to Take the Pulse of Your Employees Do you want to know how your employees feel about their employer, your company? They may have firm opinions but are hesitant to share too much information in weekly staff meetings and company get-togethers.
The Ins and Outs Of HSAs, HRAs & FSAs For the first time, more than half of employers surveyed are offering "consumer-driven" health plans that require workers to pay hundreds or thousands in deductibles. While the main point of such plans is to contain costs (or at least shift them to employees), they can be a smart choice if you're wealthy, healthy or young—and understand what you're buying into.
How to Use Medicare's Plan Finder Tool The Plan Finder tool at Medicare.gov is the best way to search for a Medicare Part D and Medicare Advantage plan. Here's how to use it.
Guide To Medicare Open Enrollment The summer rituals of barbeques and beach books are behind us. Now it's time for a fall tradition: Medicare open enrollment.
Helping Aging Parents Manage Their Money Many parents do everything in their power to teach their children how to handle money effectively, using piggy banks, allowances and other tools designed to help their children learn the value of a dollar. However, as time passes, those roles begin to reverse. Here's how you can help your parents.
IRS boosts maximum 401(k) contribution to $17,000 The Internal Revenue Service is boosting the maximum contribution that workers can make to their 401(k) pension plans without paying upfront taxes. The limit will rise to $17,000 in 2012.
America's Silliest Taxes The tax code is filled with curious taxes, surtaxes, credits, exemptions, and deductions. Here are a few of the strangest.
How Well Do You Know the Federal Deficit? Take This Quiz. See if you can separate the facts from the myths surrounding the federal budget, the annual deficit and the accumulating national debt with our nine-question quiz.
How Uncle Sam Spends Your Taxes Almost everyone agrees that the federal deficit is a ticking bomb. But few can agree on how to defuse it. When you take a look at where the money actually goes, it's easy to see why it's hard to balance the budget.
Taxpayers the IRS Is Targeting This Year Out of the millions of tax returns that are filed with the IRS each year, a certain percentage are inevitably flagged and chosen to be audited. Some of the types of returns that the IRS tends to scrutinize more closely include the following.
6 Habits of Highly Productive People What behaviors define the highly productive? What habits, philosophies, and strategies make some people consistently more productive than others? Read on to learn.
4 Secrets to Happiness in Retirement Just 60% of current retirees say that their retirement is "very satisfying," according to research by the Center for Retirement Research at Boston College. So how can you plan for not only a secure retirement, but a happy one? The study offered some insight into what does – and doesn't – make retirees happy.
Why You Should Monitor Your Elderly Parents' Mail Scams aren't the only thing to watch for. Pleas for cash from legitimate organizations can be just as dangerous to your parents' bank account.
Teaching Savings to Kids in Schools What was once called thrift education is making a comeback as financial literacy. That's good news in hard times.
The Most & Least Taxing States to Live and Retire In Does your state lead the pack in levying taxes on income, property, consumption, inheritance, and whatever else it can dream up? Read on to see which states make you pay the most by category, which are best for investors, where it would be good or bad to retire, and more.
Health Savings Accounts: Still Tax-Smart In the rush towards national health care, it looked like health-savings accounts might be outlawed. But with the Republicans in control of the House of Representatives, HSAs no longer seem endangered. Here's how they work under the current rules.
Car Buying, Without The Test Drive Anyone who's ever considered buying a car online has inevitably wondered, "But how will I take a test drive?" The answer, increasingly: You don't.
Got Medicare? You May Be Paying Too Much Medicare Advantage plans can save older Americans money, but difficulty choosing among the many available plans often prevents them from realizing substantial cost-savings.
How Birth Order Can Affect Your Job And Salary According to a recent study from CareerBuilder.com, your birth order tends to shape your future employment and income in relation to your siblings.
How to Handle Awkward Money Situations If you've ever had a family member ask you for a loan or been asked to split the bill when all you got was a salad, then you are familiar with the awkwardness that can surround money and relationships. These strategies for dealing with the most cringe-inducing scenarios could help.
Why Won't Companies Unlock Their Cash Hordes? There is a cash crisis in corporate America—although it comes not from a shortage of the stuff, but from a surplus. What happens next could have a big impact on investors.
Social Security's Future—And Yours The government pension program has become a political football, with talk of an impending crisis and the need for huge changes. But reforms will come slowly, and planning now will minimize the impact.
U.S. And China: The End Of Outsourcing? After years of outsourcing and setting up factories in China, American companies have begun to reconsider the value of moving production abroad.
What Voters Need To Know About America's Debt The subject will dominate political discourse for at least the next two years. And this time, there's smoke and fire, not just smoke and mirrors.
Making Young Kids Smarter About Finance How can you prepare your child to make dollars and sense of a tumultuous economy? Start as early as possible.
Top 10 Health Hazards For Life Insurance Your premium is determined by a combination of factors, including your age, gender, occupation, financial status, risky pastimes, lifestyle—and your health. Here's what could cost you in more ways than one.
Five Questions For Warren Buffett Going into his famous annual meeting, the world's most famous investor talks about the economy and what he looks for in a company.
Long-Term Care Insurance You Can Afford Costs for care continue to rise, and insurance premiums are also headed higher. But if you accept more risk, the price of coverage may be lower.
Paying Grandkids' College Bills Recent tax-law changes are making it easier for families to help pay education bills for multiple grandchildren and even future generations. But grandparents have to make some tough decisions first.
How Long Will My Money Last? It's THE question people approaching or already in retirement are asking these days. The answer depends on the investment or insurance vehicles you choose—and on how unknowable events play out.
Best Values In Private Colleges If you suffer sticker shock just thinking about Princeton, Swarthmore, and other high-prestige, astronomical-price schools, consider the net cost after financial aid.
10 Things You Should Know About Living Trusts Many baby boomers are choosing a trust over a will, but the cost can be steep.
Malkiel's Random Walk Goes Global Burton Malkiel, author of a new edition of his investing classic, A Random Walk Down Wall Street, discusses ETFs, what Obama should do next, and more.
How Emotional Investing Affects Your Bottom Line Research be damned—many investment decisions are informed by nothing more than a gut feeling, a hunch, or sheer panic. And that's almost always a mistake.
10 Things You Should Know About Writing a Will Putting your wishes on paper is one of the most critical things you can do for your loved ones. It can help them avoid unnecessary hassles, and you gain the peace of mind knowing that a life's worth of possessions will end up in the right hands.
Health Insurance Changes for 2011 Here's what to expect when your employer gives you choices during open-enrollment season this fall.
Continuing-Care Retirement Communities: Weighing the Risks Increasing numbers of older Americans are seeking out the security and comfort of this housing option. But a new government report warns that such assurances often come at a steep price and "considerable risk."
The Unseen Figures Of Your Funds Portfolio managers get the spotlight, but fund directors are ultimately responsible for seeing that investors are well served. Some critics say they aren't doing their job.
In Tough Times, Don't Give Up On Stocks There are always plenty of reasons to worry about a collapse in equity prices. But that doesn't mean they shouldn't be a big part of your portfolio.
Don't Be A Financial Burden On Your Kids Caught between the needs of your aging parents and those of your children? Unless you take the right steps now, your kids could end up in the same position.
Inefficient Markets Are Still Hard to Beat With the market so erratic, it's tempting to think you can do better. But finding stocks that outperform market averages is no picnic, either.
10 Reasons You Shouldn't Retire Your 401(k), social life, and even your health could benefit from a few more years in the workforce.
Boost Your Social Security Benefits These strategies will help you make the most of what you have coming to you.


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