Will move for work
08.02.10
Ira and Hope Moskowitz, both 44, have lived within a 10-mile radius of Philadelphia their whole lives. City kids, they met in junior high, got married in Philly in 1989, and settled in nearby Cherry Hill, N.J., where Hope manages a hair salon and Ira headed up software administration for a mortgage-servicing firm.
When the kids need to support mom and dad, how should they divvy up the expenses? Money's ethicists weigh in. Question: I'm 55 years old and have my entire retirement savings plan at work invested in a total stock market index fund. I'm worried, though, that my account is too heavily skewed toward equities given my age. Any suggestions for how I might take a more balanced approach? --Ray K., Oakland, California
Capture holiday memories with these snazzy shooters - and still have money left for the turkey.
The Volt may get 230 mpg. GM says it will cost only 40 cents to fuel up the car from a household outlet. But it still may not be worth it to buy one. Every time a doctor orders an extra test for you, it pushes up your medical costs and -- some experts say -- contributes to the waste in the nation's $2.2 trillion in health care spending.
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.
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: What does the new stimulus package do for people receiving Social Security benefits? --Bonnie, St. Petersburg, Florida
The iPhone is no longer the only touchscreen 'smart phone' in town. But are the challengers a better value?
Question: I'm 34 and have yet to begin saving for retirement. I'm considering participating in my company's 401(k) plan, but I'm unsure whether to do so since my employer doesn't match my contribution. What do you advise? --Nikia, New York, New York
Students can now pay their college loans and save with Sallie Mae.
Question: My son just got engaged and I'd like to give him and his fiancé an hour with a financial planner as a gift. Can you recommend a reputable Web site or association so I can find them a trustworthy planner near where they live? --Debby B., Tulsa, Oklahoma While it may be hard to feel sympathy for America's millionaires, they're feeling the economic crunch, too - nearly a third of their assets have disappeared in the downturn, according to a consulting firm's report released Tuesday.
Media stocks are among the most beaten-down issues in today's market, but if you look past a battered share price to other fundamentals, some analysts say there are bargains to be had.
The secret lives of America's debtors
08.03.10
Americans are loaded up with credit card debt. What's worse is that some husbands, wives and even children hide those money woes from their families. The results are often devastating.
The price you pay for frothy assets
08.03.10
As the 10th anniversary of the bursting of the tech bubble is upon us, you've probably read a slew of stories about what an awful decade this has been for stocks.
Should I fire my financial adviser?
08.03.10
Question: Last year I put my money with an adviser for an annual fee of 1% of assets and told him my only criteria for evaluating him will be whether he beats the market. I have refrained from telling him where to invest, when to invest, etc. as I view that as his job. He "got into the rally late" last year and underperformed the broad indexes by 10% to 12%, although we did have a decent fourth quarter. This year he's off to a horrid start, however, and we are already 3% worse than the broad indices. I try not to be a knee-jerk investor and know that every adviser has his ups and downs, but I'm wondering....Is it time to pull the plug? --Mike, Elkins Park, Pennsylvania
Don't get angry at the markets
08.03.10
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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Rat out a tax cheat, collect a reward
08.03.10
If you knew coworkers, former bosses or exes who cheated on their taxes, would you turn them in? The Internal Revenue Service can make it worth your while.
Spending a school fund
08.03.10
If your child skips college, is he entitled to the money you've saved for him? Money's ethicists weigh in.
Student loan provider offers online savings
08.03.10
Students can now pay their college loans and save with Sallie Mae.
The 60-plus set can't afford to retire
08.03.10
More people say they just don't have the money to retire these days.
Why diversification will work again
08.03.10
Diversification, the notion of spreading your investments among different baskets of assets that don't rise and fall in unison, has long been considered one of the safest and surest moves you can make with your portfolio. After all, if any one basket falls apart, most of your brood should remain intact.
The retired couple's guide to livin' the dream
08.03.10
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.