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Checking for check scams

08.06.09

Thousands of Americans learn a painful lesson in banking every day: Waiting for a check to clear and then getting access to the money from a bank doesn't mean the check has really cleared.

Bankruptcy filings by American consumers increased nearly a third in 2008, according to a new report. A few entrepreneurs are exploring a novel solution to the problem of finding affordable health care for themselves and their staff: Swap for it. You've probably heard that the restriction barring those earning more than $100,000 from converting a traditional IRA to a Roth will soon be history. This means that as of January, anyone with an IRA can create tax-free income in retirement.



Question: My husband and I have been happily married for 28 years. Careful spending and sound planning over time has provided us with a very comfortable financial future. Although we're compatible in many ways, our outlook differs when it comes to enjoying our money. I'm more of a saver and I hate to shop. I'm already retired, and when my husband retires in a year we'll begin drawing on our retirement savings. Can you suggest some tips on how we can communicate effectively about spending our money? How do we assure that we'll both have the independence to decide how we want to spend "our share" without judgment? --Margaret M. With proper care, a good watch lasts virtually forever. But you don't need to spend a bundle to own one. "Drill baby, drill" may have failed as a campaign slogan, but the mantra appears to be working for investors.

Question: . My wife and I know we should have an emergency savings fund, but with one income we have nothing left to save after paying expenses.

More people say they just don't have the money to retire these days. The credit card reform bill tries to help cash-strapped customers, but companies are just coming up with new ways to boost profits.

Arena Resources has pleased investors with rocket-fueled growth, but the oil and gas producer seems to have hit a wall. In an era of specialization, world allocation funds take on a challenge that verges on hubris: All it requires is deep expertise in stocks, bonds, and other securities in virtually every market on the face of the earth. Target-date funds, those all-in-one portfolios of stocks and bonds that are supposed to be age-appropriate, have become targets themselves lately. The charge: that they failed to protect older investors from last year's downturn.



Money looked for careers with great pay, superior growth prospects, intellectual challenge, flexibility and more. Question: I'm 48 years old and have about 90% of my 401(k) invested in my company's stock and the rest in an international equity fund. I want to diversify further, but don't know where to turn. Any suggestions? --J.D., Glenville, New York Get out your calendars, folks. It's time to celebrate -- or perhaps mourn -- the 10th anniversary of one of the epic financial events of our time: the peak of the great stock market bubble, in March 2000. That's the month the Nasdaq, Standard & Poor's 500, and Wilshire 5000 all reached new highs, then headed south, big-time. (The Dow industrials peaked that January, but who cares? It's just a crummy 30 stocks.)

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