Personal Finance

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How to Borrow from Your 401(k)

You can borrow from your 401(k) only if your plan document allows you to borrow for the specific reason you have in mind. Some 401(k) plans permit borrowing for any reason, but most permit loans only for [more…]

Investing in EE (Patriot) Bonds

EEs and Patriot bonds are one and the same. The word Patriot was added to some, but not all, EE bonds in 2001. According to the Treasury, "Patriot Bonds offer Americans one more way to express their support [more…]

What Are Grantor-Retained Trusts All About?

Grantor-retained trusts let you create a “noncharitable” trust. Instead of the property in the trust eventually going to a charitable organization, the property goes to [more…]

How to Get a Debt-Management Plan

If you’re in debt crisis or you’re concerned you may be getting close to it, a debt-management plan from a good credit-counseling agency may be just the solution. For a small monthly fee, the agency handles [more…]

How to Boost Your Household Income

When you can’t make ends meet with expense cuts, look at income. You, your partner, and any children you have can generate additional income — income that can soften the money woes that come with a dicey [more…]

Trust Fund Payment Plans: Intervivos and Testamentary

A trust that makes annual payments to a beneficiary while you’re still alive is an intervivos trust. If you set up a trust to become effective and start making payments after your death, you’ve set up [more…]

Set Up a Mutual Fund Investment Account with Quicken 2005

If you need to track a mutual fund investment in Quicken 2005, you need to know how to set up a mutual fund account and then record your investment activities. Even if you don't invest in mutual funds, [more…]

How to Manage Risks to Your Portfolio in an Uncertain Economy

In addition to volatility of individual securities, you also face risks related to your life span, market changes, and more. The following table explains how to minimize risks. [more…]

How to Stay Cool during Summer for Less Money

You don’t have to sweat out the dog days of summer, even when cutting back on your awesome, home-cooling air conditioning to save money. You can stay cool, even when it’s hot outside. [more…]

Splitting a Transaction in Quicken 2006

Here's a sort of Quicken riddle for you: Suppose that you have a check that pays more than one kind of expense. You trot down to the grocery store, for example, and pick up [more…]

Status of Your Will: Testate or Intestate?

If you have a valid will, you are said to die testate, meaning you have spelled out your intentions completely and legally in your last will and testament. A will status of intestate [more…]

Knowing What Matters Most in Choosing a Bond Fund

The first rule to follow when choosing a bond fund is to find one appropriate to your particular portfolio needs, which means finding a bond fund made of the right material. [more…]

How to Save on Insurance

Given all the insurance coverage you need — health insurance, homeowner’s insurance, life insurance, auto insurance — those costs can take a large bite out of your bank account. Fortunately, you can reduce [more…]

How to Protect Yourself from Real Estate Bubbles and Crashes

Bubbles aren’t limited to just the stock market. The housing bubble started in 2001 as speculators fled the stock market and set their sights on real estate, sending home values up. When housing prices [more…]

Different Types of Commercial Real Estate Investments

Most people think commercial real estate is all about apartment rentals. Even though residential properties are a big part of commercial real estate investing, other types of properties make for excellent [more…]

How to Avoid Bankruptcy

You don’t need to file bankruptcy to solve a trivial financial problem or when a more targeted remedy is available. Although you shouldn’t view bankruptcy as a last-ditch solution, you probably shouldn’t [more…]

Comparing Stock Options to Other Derivative Securities

The market value of a stock option is primarily determined by the stock price on which it's based. So an option derives its value from the underlying stock. These types of securities are known as [more…]

Buying U.S. Savings Bonds in an Uncertain Economy

In a down economy, U.S. savings bonds are one of the safest investments you can make. Savings bonds are nonmarketablesecurities — when you purchase them, they’re registered to you and you can’t sell them [more…]

Shopping for the Best Certificate of Deposit Rates

Certificates of Deposits (CDs) are issued by large financial institutions, such as commercial banks, savings and loans, and other thrift institutions that aren’t in any danger of bankruptcy. Interest paid [more…]

How to Reduce Your Debt with a Debt Management Plan

Your debt counselor may recommend a debt management plan to help you to pay off your obligations if reducing your expenses and making more money are not possible. Many creditors offer special concessions [more…]

How to Pay College Expenses with Savings Bonds

You may use any sort of U.S. Treasury bonds, notes, and T-bills to pay for college expenses. Only Series EE and Series I savings bonds can be used to pay for postsecondary education costs without having [more…]

How to Deal with Debt Collectors Who Violate Your Rights

Even if a debt collector violates the law in a relatively minor way, you can file a formal complaint. Take the following steps to protect your rights: [more…]

Beyond the Simple Will: Other Kinds of Wills

Although the simple will is right for just about everyone, you do have other options for your will. Other types of wills, along with the drawbacks of each, include: [more…]

Working with a Real Estate Closing Team

Most sellers and buyers think of the agreement as the tricky part of the transaction and the closing as the part they can take pretty much for granted. Agents know otherwise. As an agent, your work isn't [more…]

When Day Traders Aren't Day Traders

By definition, day traders hold their investment positions for only a single day. This is important for a few reasons: [more…]

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