Personal Finance

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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…]

How to Avoid Market Volatility in an Uncertain Economy

Volatility is a measure of how much a security rises or falls within a short period of time. Low volatility is best because the greater the volatility, the more difficult it is to achieve your goals. [more…]

How to Keep Cool in a Down Market

Seeing the value of your investments go down can often be emotional, but it’s important that you don’t panic, and stay calm and cool. The markets have produced consistent increases in value over very long [more…]

Understanding the Real Risks behind Commodities

Investing is all about managing the risk involved in generating returns. Have a look at some common risks you face when investing in commodities and some small steps you can take to minimize these risks [more…]

Considering Disadvantages to Paying Cash for Your Second Home

When considering paying cash for your second home, you need to think about more than just whether you have the money to cover all the related costs. You also need to keep in mind long-term tax strategies [more…]

Get Your Credit Score

A growing number of creditors, as well as insurance companies, employers, and landlords, use your credit score together with (or rather than) your credit history to make decisions about you. Your credit [more…]

How to Bypass Probate with Joint Tenancy

Joint tenancy means that you share ownership of property. Property held in joint tenancy isn’t part of the probate process; creditors don’t have access to property held as joint tenants. [more…]

How to Save on Style Expenses

If you need to save money, that doesn’t mean you have to let yourself go. You can save on style expenses, keeping yourself looking good without draining your wallet: [more…]

Deciding When to Cash In Your Social Security Retirement Benefits

Social Security taxes cover five categories: retirement, disability, family, survivors, and Medicare. At this time, workers with earnings of less than [more…]

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