"Liar Loans" Return
"Liar Loans" Return

When it comes to dealing with risk, America's housing market struggles with balance. How can lenders offer affordable home mortgages for more Americans and still maintain proper safeguards? The Great Recession was...

1 In 5 Hiding Financial Account From Partner
1 In 5 Hiding Financial Account From Partner

You don't have any financial issues to hide from your partner ... do you? According to a new survey from CreditCards.com, almost 1 in 5 of us does. The survey found that 19% of Americans have at least one financial...

How 401(k) Plans Work: Tax Rules, Investments & More
How 401(k) Plans Work: Tax Rules, Investments & More

As of 2018, around 55 million American workers were active 401(k) participants and assets in 401(k) plans totaled $5.60 trillion. Still, many people are in the dark about how exactly 401(k) plans work and how to maximize...

February 20th, 2:29 PM PST
What Is a Traditional IRA? Rules, Limits and More
What Is a Traditional IRA? Rules, Limits and More

Individual retirement accounts (IRAs) are important vehicles for Americans to prepare for the day they stop working. This is especially true for those without access to a workplace retirement plan like a 401(k), though you...

February 20th, 10:14 AM PST
What Is Adjusted Gross Income (AGI)?
What Is Adjusted Gross Income (AGI)?

AGI is short for “adjusted gross income.” This number appears on your Form 1040 and helps determine which deductions and credits you can take and therefore how much tax you finally pay. For tax year 2018 (what you file in...

February 20th, 8:44 AM PST
The Best Cities for Women in Tech in 2019
The Best Cities for Women in Tech in 2019

Tech jobs are particularly desirable, because they pay well, show long-term signs of growth and are less vulnerable to automation. But women have faced systemic difficulties in getting these jobs. And even when women do...

February 20th, 4:14 AM PST
Consumer Credit Inquiries Declining – What Does It Mean?
Consumer Credit Inquiries Declining – What Does It Mean?

Have We Finally Hit the Debt Wall? According to the old saying, the two certainties in life are death and taxes. Maybe we should add debt to the list. The New York Federal Reserve's latest Quarterly Report on Household...

401(K) Tax Rules: Withdrawals, Deductions & More
401(K) Tax Rules: Withdrawals, Deductions & More

If you’re building your retirement saving, 401(k) plans are a great option. These employer-sponsored plans allow you to contribute up to $19,000 in pre-tax money per year. Some employers will also match some of your...

February 19th, 2:29 PM PST
What the Dodd-Frank Act Did (and How It’s Changed)
What the Dodd-Frank Act Did (and How It’s Changed)

The Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as Dodd-Frank, was passed in 2010 in the wake of the 2008 financial crisis. The Obama-era law aimed to prevent another financial meltdown. It...

February 19th, 1:59 PM PST
The Income Statement: A Guide for Investors
The Income Statement: A Guide for Investors

As an investor, it’s important for you to choose the right stocks and funds for your portfolio. If you’re picking your own investments instead of working with an advisor, then you may want to research the companies...

February 19th, 12:59 PM PST
401(K) Investments: What’s the Best Option?
401(K) Investments: What’s the Best Option?

401(k) plans are one of the most popular retirement plans in the U.S., having blown past pensions as the primary employer-sponsored plan. And unlike pensions, 401(k)s require participants to choose where to invest their...

February 19th, 9:44 AM PST
An Investor’s Guide to Long-Term Investing
An Investor’s Guide to Long-Term Investing

Long-term investing is often the best way to build wealth that stands the test of time. It’s how you plan for retirement and build a legacy to pass on to your children and grandchildren. Long-term investments require...

February 19th, 8:14 AM PST
Young Seniors Have High Non-Mortgage Debt
Young Seniors Have High Non-Mortgage Debt

By Sandra Parsons Debt is a major barrier to financial well-being among Americans. While we tend to think of debt as an issue affecting young and middle-aged people, the truth is that senior citizens carry debt, too. Among...

Are You Easily Fooled Online?
Are You Easily Fooled Online?

You're a pretty tech-savvy person. You know how to avoid common scams. You can spot phishing e-mails a mile away – even spear phishing e-mails tailored specifically to fool you. Would you like to put your skills to the...

The Best Short-Term Investment Options
The Best Short-Term Investment Options

Short-term investments are generally defined as investments that pay off in less than five years (sometimes even less time, perhaps within a year). Whereas long-term investments are generally made with the goal of building...

February 15th, 11:12 AM PST
What Type of Investment Account Should You Open?
What Type of Investment Account Should You Open?

Investing in the stock market has been a great way to build long-term wealth for almost as long as the United States has been a country. And as retirements continue to increase with people’s lifespans, it’s becoming more...

February 15th, 10:27 AM PST
Nearly 3 Of 4 Won't Date People In Significant Debt
Nearly 3 Of 4 Won't Date People In Significant Debt

Are you having trouble getting a date? Could be your rap, your looks, or your excessive debt. According to a recent survey by Finder.com, 72% of respondents say they would re-think a relationship with a partner in...

Pension vs. 401(k): Comparing Retirement Plans
Pension vs. 401(k): Comparing Retirement Plans

Both pensions and 401(k) plans have at one time held the distinction of most popular employer-sponsored retirement plan in the country. However, due to the much higher cost on employers, pensions are becoming less and less...

February 13th, 3:11 PM PST
How to Roll Over Your 401(k) Plan to a Roth IRA
How to Roll Over Your 401(k) Plan to a Roth IRA

When you leave a job where you had a 401(k) plan, you might choose to roll over that plan an individual retirement account (IRA). Such rollovers are fairly straightforward; the transfer of assets isn’t a taxable...

February 13th, 3:11 PM PST
How to Read and Analyze a Balance Sheet
How to Read and Analyze a Balance Sheet

A balance sheet is one of three financial documents that every investor should check when researching a company to invest in. The other two are an income statement, which looks at a company’s profits, and a cash flow...

February 13th, 12:56 PM PST
Opportunity Cost: Definition and Examples
Opportunity Cost: Definition and Examples

Opportunity cost is a basic microeconomics concept, maybe one you learned in a long-ago and hazily recollected 8 a.m. Econ 101 lecture. If you need a refresher, opportunity cost is the benefit you miss out on when you...

February 13th, 12:11 PM PST
How to Find Unclaimed Money With Your Name On It
How to Find Unclaimed Money With Your Name On It

Believe it or not, a hefty amount of your money could be sitting at a government agency without your knowledge. Unclaimed money can come in the form of inactive financial accounts, unclaimed retirement assets and tax...

February 13th, 9:11 AM PST
The Best Investment Simulators
The Best Investment Simulators

Investing is risky. When you put your money in the market, you’re taking a chance with real money — money that you might need to pay your mortgage, feed your family and cover the other basic costs of living. If …...

February 13th, 9:11 AM PST
How (and Where) to Invest in Cryptocurrency
How (and Where) to Invest in Cryptocurrency

Although cryptocurrency has only been around for a short time, it’s already expanded into a wide, convoluted universe that can be difficult to understand for the uninitiated. But with Bitcoin and other cryptocurrencies...

February 13th, 7:41 AM PST
What Are Dow Futures and How Do You Trade Them?
What Are Dow Futures and How Do You Trade Them?

Dow Futures are a reasonable thing not to know about if you’re not well-versed in investing. Essentially, a Dow Future is a contract between two parties in which they bet on the direction of the Dow Jones Industrial...

February 13th, 7:41 AM PST
Hours of Work Needed to Pay Rent in the 25 Largest Cities – 2019 Edition
Hours of Work Needed to Pay Rent in the 25 Largest Cities – 2019 Edition

Rising rents present a major challenge for non-homeowning city dwellers nationwide. Since 1983, the cost of housing for urban renters has risen more than 324%, according to the Bureau of Labor Statistics’ Consumer Price...

February 13th, 4:11 AM PST
Why Are So Many Of Us Living Paycheck To Paycheck?
Why Are So Many Of Us Living Paycheck To Paycheck?

Survey Suggests Economic Overconfidence If the economy is so great and unemployment is so low, why do so many Americans live paycheck to paycheck? And why don't we seem to care? The February PYMNTS.com Financial...

How to Buy a Business
How to Buy a Business

So you want to be a business owner, but the prospect of starting your own business is intimidating. One potential solution: Buying an existing business. An existing business typically has customers, vendors and branding...

February 12th, 3:26 PM PST
How to Set Up a Blind Trust
How to Set Up a Blind Trust

Many people under intense public scrutiny, such as politicians, judges and high-powered business people, use blind trusts to avoid the perception of conflicts of interest when it comes to their personal financial dealings....

February 12th, 1:26 PM PST
10 Types of Investments (and How They Work)
10 Types of Investments (and How They Work)

Investing intimidates a lot of people. There are a lot of options, and it can be hard to figure out which investments are right for your portfolio. This guide walks you through 10 of the most common types of investment...

February 12th, 11:41 AM PST
How to Invest After You Retire
How to Invest After You Retire

A lot of people spend their adult lives working and saving to prepare for retirement. But once you hang up your hat, you shouldn’t necessarily stop thinking about saving and investing. The question of what should...

February 12th, 8:26 AM PST
The Best Ways to Invest $30,000
The Best Ways to Invest $30,000

If you have $30,000 to invest, you have many options. Some things, like making the down payment on a house, might be a bit out of reach, but you can still invest in securities ranging from stocks to treasury bonds. …...

February 12th, 8:11 AM PST
States With the Smartest Taxpayers
States With the Smartest Taxpayers

A large majority (75%) of taxpayers overpay on taxes and receive a tax refund, according to IRS data. A smaller proportion (19%) see the opposite: They will have overestimated their withholdings and learn they still owe...

February 12th, 4:26 AM PST
Will New Congress Oversee Credit Bureaus More?
Will New Congress Oversee Credit Bureaus More?

After the 2017 announcement of the Equifax data breach that potentially compromised the personal information of almost 150 million consumers, you'd probably expect Congress to take significant action to prevent future...

How a UTMA Compares to a 529 Plan
How a UTMA Compares to a 529 Plan

The cost of higher education has skyrocketed over the last few decades, and shows no signs of slowing. That’s why it’s more important than ever that parents start saving as early as possible for their...

February 11th, 2:40 PM PST
How a Passive Investing Strategy Works
How a Passive Investing Strategy Works

Passive investing is a go-to strategy for long-term investors, because it capitalizes on the typical upward trend of the overall market over many years. Of course, there are many ways to do well in investing, and financial...

February 11th, 12:56 PM PST

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