When you took your latest job, did you negotiate for more pay?
If people have discovered anything about money during the past few years, it has to be that emergencies pop up without warning.
In a harsh lesson, investors have recently learned that the safest of bonds become vulnerable when interest rates rise. U.S. Treasury bond funds, TIP funds and municipal bond funds have delivered sharp losses in the past two months.
Your hunt for your next CD is likely to be as disappointing as the last. In fact, it might be even more disheartening.
Is college worth it? Currently, it doesn't seem so for students hoping to get jobs in architecture, government, the humanities or arts after college.
While the nation's economy is on the mend after the Great Recession of 2008, many people who lost jobs at age 50 or over are expected to struggle for the rest of their lives.
If you have just finished college and have a job - congratulations. Still, even with a job, many new graduates are shocked when they find out how difficult it is to cover student loans and other expenses.
You probably didn't find a Mother's Day card thanking your mom for helping you figure out how to handle your money.
The calendar beckons investors to tread lightly through the stock market, according to an old saying.
Can you do it? Should you do it? As that college acceptance letter compels you to say "yes" or "no" around May 1, run through a few last considerations as you weigh one of the largest financial commitments of your lifetime.
The emergency arrived when Jenna Lynn Schoeneman's father failed to pass his driver's test.
Could it happen again? Could your retirement plans end up in shambles, and your college savings tattered?
Are the golden years over for gold? With prominent hedge fund managers such as George Soros selling large quantities of gold and the price down about 16.5 percent from 2011's all-time peak near $1,924, some experts think gold's best days could be tarnished by the world's nascent economic recovery.
Love those tax deductions because their days could be numbered.
After running in terror from stocks since the financial crisis, individuals are suddenly feeling cozy again about a stock market that has gained 120 percent since early 2009.
Does your debt nag at you and make you miserable? A researcher has now put a number to the emotions. He has quantified just how much debt drags some people down.
Have you dared look over the edge of your own "fiscal cliff," or has the fear of falling kept you from contemplating the possibility of another recession, job losses, tax increases and likely cuts in your Social Security and Medicare at some distant date?
It's the time of year when people worry about the money they've wasted, but there's more at stake than a holiday splurge.
There are mere weeks left to maneuver so you keep as much of your money as possible without overpaying taxes for 2012.
Q: I'm 24, married with a child and in medical school. Thanks to my wonderful parents I will graduate with no debt. I'd like to start saving for retirement now. I don't have a job, so I can't use a 401(k) or Roth IRA. Is there another account I could use that wouldn't be taxed, and how shoul…
Despite a dismal job market for recent college graduates, a record number of Americans are completing bachelor degrees.
America is marching toward the fiscal cliff, and investors are on alert for the consequences of plunging from the peak.
Q: We are age 79 and 76, retired, in good health, and are fortunate to have enough money to live out long lives and probably leave an estate to our children. I would like to know what is a decent asset allocation for somebody in our financial situation.
As students ask themselves if they dare take on the student loans they'll need for college, the questions are especially critical for women.
The quest by states and mutual fund companies to capture the $179 billion that people are saving for college in 529 plans has led to improved investments and more reasonable fees.
On a lazy Sunday afternoon, I like to cook a pound of dried beans, leaving until later the question of what they'll become. Tucked away in the fridge (where they will keep several days, or in the freezer indefinitely), they are a treasure waiting to be discovered.
If you have a credit card, watch closely.
Although more than 12 million Americans are unemployed and looking for work, many people with jobs are getting itchy for advancement and starting to think about a move.
What do you do if you are loaded down with credit card debt, but you know you should be saving for retirement? Do you concentrate on getting rid of the debt and put off saving in the 401(k) or IRA for later? Or do you save now, pay off later?
After leaving employees to fend for themselves with retirement savings plans in the 2008 financial crisis, companies are now giving employees extra money to stash away for their futures in 401(k) plans.
The hunt for the extralong sheets for the dormitory bed might be complete, and you may have already dropped your child off on campus, but did you forget to talk about money, and especially credit cards?
If you've decided you want to get rid of your debts but are having trouble doing it, that might be because you haven't prepared your brain for it.
Q: With seemingly stable companies such as AIG, JPMorgan (Chase), Fannie Mae, Freddie Mac, Lehman Brothers, MF Global and Peregrine having financial problems, how safe are investor monies held/deposited with national brokers such as Scottrade, (TD) Ameritrade, Vanguard, Schwab and others?
If the federal government would stop relying on bill collectors to go after people defaulting on student loans and, instead, focus borrowers on getting on a path to pay over time, both the borrowers and the government might end up better.
Gulp. The bills parents are receiving now for this fall's college costs are among the most horrifying most people will receive in a lifetime, perhaps $15,000 or more.
Q: My wife and I have two daughters, 12 and 17, and we have a very good income, have pensions, a 401(k), a couple of large annuities and also college funds for our girls. We would like to start a fund for our girls that they could use in the future for a down payment on a house or for any ot…
What you don't know can hurt you. In fact, it can hurt you a lot. So when you get a letter about your 401(k) or 403(b) from your benefits office at work this month or next, look at it. It will be different than the usual letters you've been stuffing in a drawer. Inside, you are likely to fin…
One of the first lessons of investing is that there are no heroes.
Recent news has been conjuring images of 401(k) and college savings risks again - this time with a financial crisis in Europe rather than the U.S. housing mess.
If you've spent your career at a large company that nudges you repeatedly to make the most out of your 401(k), you probably will retire someday with plenty of money.
Americans have been successful at getting some of their debts off their backs, but many still have a long way to go.
Joe Mihalic wasn't thinking at all about how he was going to pay off student loans - which would end up totaling $101,000 - when he was accepted to Harvard Business School.
Mothers would probably do just about anything for their families. That's among the character traits praised in millions of households on Mother's Day.
Q: I work for a company with a 401(k). I'm 24 and investing in the T. Rowe 2055 investment fund. Am I investing the right amount and am I using the right year fund? I get a 2 percent match (of salary) from my company and I put in 3 percent of every paycheck. - D.G.
Student loan debt has soared to about $1 trillion, with many college students naively tying a noose around their futures with crippling levels of debt. But what about their parents?
If you started a business during the last few years and then watched too much of your earnings evaporate at tax time, you might be able to change that.
Q: I'm a counselor trying to help a high school senior who wants to go to an expensive college she can't afford. She's been accepted to both Boston College and New York University for this fall, but the financial aid they are offering is vastly different. Unfortunately, her favorite school i…
Do you feel like an IRA dummy? If so, you have company. About a third of Americans have an IRA, and confusion, rather than money, is often what stands in the way of getting started. That's a shame because IRAs and Roth IRAs are among the easiest ways to turn small savings into giant sums ove…
Let your tax return be a lesson to you. Next year at tax time, there may be no need to end up the way you did on taxes this year. Many people can improve the outcome with a little advance thought. You might be able to put more money into your pocket from each paycheck during the year or ensu…