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NYT > Your Money

Last Build Date: Sat, 22 Oct 2016 13:24:34 GMT

Copyright: Copyright 2016 The New York Times Company

Your Money: How Taking a Gap Year Can Shape Your Life

Wed, 19 Oct 2016 14:08:14 GMT

Top row, left: Masa Kenney, who served in the United States Army during Operation Desert Storm; right: Geoff Noer in the Faroe Islands. Middle row, left: Tim Holtan in Vietnam; right: Corey Flournoy, national president of Future Farmers of America. Bottom row, left: Josh Fine running a one-man college radio network in the 1992 presidential campaign; right: Toni Gorog in Brazil.Looking back, adults who took time off before or during college say they have no regrets.

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Public Sacrifice: Think Your Retirement Plan Is Bad? Talk to a Teacher

Fri, 21 Oct 2016 20:22:09 GMT

Schoolteachers and others who pursue careers of service in exchange for modest paychecks get lightly regulated retirement plans that often charge excessive fees.

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Retiring: Migrant Workers in Recreational Vehicles

Fri, 21 Oct 2016 09:00:23 GMT

Bill McClain and his wife, Darla. He owned a Harley-Davidson shop in California for 22 years. But the economic downturn and increased state regulations, he said, pushed them to sell everything in 2010 and join the work-camping community.Work camping combines elements of the gig economy, telecommuting and contingent labor, and attracts older adults seeking more money and more meaning from life.

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Wealth Matters: Red-Flag Time: Your Broker Offers a Can’t-Miss Sales Contest

Fri, 21 Oct 2016 14:18:58 GMT

Ed Gjertsen II, chairman of the Financial Planning Association and vice president at Mack Investment Securities in Northfield, Ill.When brokers try to sell a product like a securities-backed loan, they aren’t being charitable. They are trying to make money.

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Economic View: I Paid $2,500 for a ‘Hamilton’ Ticket. I’m Happy About It.

Fri, 21 Oct 2016 14:10:15 GMT

High prices are a natural reflection of great demand and scant supply. In a free market, they are inevitable until demand subsides or supply expands.

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‘Lions Hunting Zebras’: Ex-Wells Fargo Bankers Describe Abuses

Thu, 20 Oct 2016 15:56:00 GMT

Kevin Pham at a Wells Fargo branch in Daly City, Calif. Mr. Pham said he saw fellow Wells Fargo employees targeting customers for sham accounts at the San Jose, Calif., branch where he used to work. “They would look for the weakest, the ones that would put up the least resistance,” he said.In legal filings and statements, former employees of the bank said immigrants, older adults, college students and Native Americans were targeted for fake accounts.

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Voices From Wells Fargo: ‘I Thought I Was Having a Heart Attack’

Thu, 20 Oct 2016 15:57:18 GMT

Former sales representatives at Wells Fargo described relentless pressure, being shamed and being fired.Former employees describe intimidation and ridicule tactics at the bank, which they said caused anxiety, panic attacks and other physical symptoms.

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Your Money: A Guide to Getting Rid of Your Big-Bank Checking Account

Fri, 07 Oct 2016 16:08:08 GMT

If the recent Wells Fargo scandal has left you disenchanted with giant banks and ready to switch to a smaller one or a credit union, here’s what you should know.

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Sketch Guy: Big Adventures Will Be Hard. Did You Expect Something Else?

Tue, 18 Oct 2016 17:08:27 GMT

The lessons learned while pushing yourself outside your comfort zone can be invaluable, a financial planner writes.

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Your Money Adviser: Why, and When, Your Child Should Have a Debit Card

Fri, 14 Oct 2016 15:53:10 GMT

The cards give minors control over their own cash but allow parents to monitor the spending and offer guidance as needed.

Essay: Picking a Portfolio With Pokéballs

Fri, 14 Oct 2016 19:52:08 GMT

If you can use augmented reality to find cartoon monsters, why not use it to capture weirdly enticing investments?

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Fundamentally: Higher Prices Dim the Appeal of Dividend-Paying Stocks

Fri, 14 Oct 2016 22:44:48 GMT

Traders monitored prices in the Standard & Poor’s 500-stock index options pit at the Chicago Board Options Exchange last month.As dividend-paying stocks have become more expensive, investors have been forced to seek other options.

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How Three Strong-Performing Funds Pick Stocks

Wed, 19 Oct 2016 20:24:05 GMT

Brian P. Smoluch, a manager of the Big, Small, American, Chinese: Different stocks produced outstanding results for investors and the funds that hold them.

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‘Brexit’ Blurs the European Investment Outlook

Fri, 14 Oct 2016 19:55:50 GMT

Shoppers on Oxford Street in London. Highlighting surveys showing that consumer confidence had eroded, Barclays forecast that the British economy would be pushed into a recession imminently.Though markets have stabilized since the vote for Britain to leave the European Union, where investors and businesses go from here is uncertain.

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Sticking With Stocks, Especially in Market Downturns

Fri, 14 Oct 2016 19:46:48 GMT

Mutual fund managers are holding their ground, which may be a stabilizing force in the market.

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Off the Shelf: Three Excellent Books on Long-Term Investing

Fri, 14 Oct 2016 19:58:07 GMT

As the market fluctuates, these books remind us to use common sense and stick to the basics when saving and planning for retirement.

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Stocks Climb Under Heavy Clouds

Fri, 14 Oct 2016 19:39:58 GMT

Despite the prospect of higher interest rates, the imminent presidential election and heightened uncertainty in Europe, shares have for the most part risen.

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How Regular Investing Smooths the Market’s Ups and Downs

Fri, 14 Oct 2016 19:44:17 GMT

Dollar-cost averaging offers investors a way to avoid the risks of trying to time the markets, and to save gradually, at a reasonable price.

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Signs of Strain in the Stock and Bond Love Affair

Fri, 14 Oct 2016 19:33:45 GMT

The markets’ traditional moves may be altering, denting bonds’ appeal. But it’s not really dire. And remember: There’s always the safety of cash.

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Retiring: The Future of Retirement Communities: Walkable and Urban

Fri, 14 Oct 2016 14:13:20 GMT

Ben and Christine Brown in West Asheville, N.C., which they says is a more walkable community than their previous home in Franklin, N.C.In the age of the Fitbit and more active retirees, there is a growing demand for neighborhoods that don’t require a car and offer a mix of services.

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Wealth Matters: A Museum’s Seal of Approval Can Add to Art’s Value

Fri, 14 Oct 2016 14:07:52 GMT

Michel Witmer, a collector in New York City, was persuaded to buy a work by Pierre-Auguste Renoir, an artist he had never liked, at a museum show.Art collectors are finding that museum shows can often spur interest in an artist’s work and raise prices for individual pieces.

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Your Money Adviser: It’s Almost Tax Day Again, for Those Who Postponed

Wed, 12 Oct 2016 20:57:54 GMT

With only a few exceptions, Oct. 17 is the deadline for those who requested filing extensions last April.

Sketch Guy: Spending More Just to ‘Save’ Money Is a Self-Defeating Strategy

Mon, 10 Oct 2016 15:19:02 GMT

Letting the savings tail wag the spending dog is not a good plan, a financial adviser writes.

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Retiring: How to Improve Your Retirement Income if You Haven’t Saved

Fri, 07 Oct 2016 13:31:25 GMT

Michael Kitces at his home in Reston, Va. He is a financial planner and says he regularly sees clients who are short on retirement savings.Many Americans are ill prepared for retirement, so they will have to rely more on Social Security. But near-retirees have some ways to improve their retirement math.

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Wealth Matters: Making Financial Management Both Spouses’ Job

Fri, 07 Oct 2016 15:13:32 GMT

Penelope Greene and her husband, Mark, at the Minneapolis Rowing Club in Minnesota. The couple spent about five years making sure they both understood the family’s finances.Many couples share financial information sparingly, but death, disability or divorce could make such a decision catastrophic.

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Sketch Guy: One of the Smartest Money Strategies Is Asking When You Don’t Know

Tue, 04 Oct 2016 15:36:25 GMT

Humility, in personal finance, is knowing how to ask for help when you don’t know something, even when you think you should know it.

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How to Pick the Best Credit Card, Based on Rewards

Fri, 30 Sep 2016 17:12:01 GMT

More than a third of Americans haven’t changed their credit card in a decade. But now may be a good time to consider the options.A guide to some of the most recommended cards and the online comparison tools to help you choose.

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Your Money: A Quest to Gather All My Medical Records in 72 Hours

Fri, 30 Sep 2016 21:05:39 GMT

Most people have seen many doctors over many years, so compiling complete medical records would be a nightmare, experts say. But why not try?

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Dining In: Homemade Chili Gains Ground on Chili’s

Fri, 30 Sep 2016 18:20:32 GMT

Inara Kalnins says she has pretty much abandoned eating at restaurants and prefers preparing meals at home.Cheaper groceries, meal kit services and a turn toward more healthful fare have contributed to falling sales at some big restaurant chains.

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Wealth Matters: How Rich Couples Who Aren’t Pitt and Jolie Manage Their Divorces

Fri, 30 Sep 2016 19:39:56 GMT

Angelina Jolie and Brad Pitt with their family in 2011.Financial advisers and lawyers say the easiest negotiations usually involve joint parenting pacts and solid prenuptial agreements.

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Your Money Adviser: Fannie Mae Is Now Getting More Detailed Information on Borrowers

Fri, 30 Sep 2016 17:04:40 GMT

The financing giant will be getting a fuller credit picture of borrowers, including whether they pay off credit card bills in full or just the minimum.

Your Money Adviser: Income, Not Driving Record, May Determine Auto Insurance Cost

Wed, 28 Sep 2016 20:56:17 GMT

A consumer group found that some high-income motorists with bad driving records pay less for insurance than lower-income consumers with clean records.

The Workologist: How to Help a Failing Boss See the Light, if You Must

Fri, 30 Sep 2016 11:00:02 GMT

You’re not obligated to voice concerns when you quit a terrible job, but if you feel compelled to do so, look for a dispassionate, constructive way to speak out.

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Retiring: Honoring a Loved One With a Charitable Fund

Fri, 30 Sep 2016 18:47:40 GMT

Barry Tucker, son of the opera singer Richard Tucker, in front of a monument to his father near Lincoln Center. The Tucker family created a charitable foundation to honor the singer.While some people erect plaques, statues or buildings in honor of a loved one who has died, others start foundations, scholarships or memorial funds.

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Sketch Guy: An Essential Budget Query: Is This Spending Aligned With My Values?

Mon, 26 Sep 2016 15:17:01 GMT

Values-based budgeting starts with noticing where your money is going, and then assessing whether that is what’s important to you, a financial planner writes.

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The Haggler: You Have 540 Days to Request a Refund, Starting 541 Days Ago

Sat, 24 Sep 2016 17:45:43 GMT

When buyers stiffed by a bankrupt wine store asked American Express for a refund, the company declined, citing a 540-day window with an uncertain start time.

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Wealth Matters: It Pays to Be Wary When Hiring an Estate Sales Agent

Fri, 23 Sep 2016 15:54:44 GMT

Tim Davis at his parent’s empty home in Beverly Hills, Mich. He and his sister, Tamara Davis, said that they got much less money than they expected from an estate sales agent they hired and that it took months to be paid.After their mother’s death, two siblings found that an agent they hired to conduct a sale of belongings did not keep up her end of the bargain.

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Fair Game: Your Mutual Fund Has Your Proxy, Like It or Not

Sun, 02 Oct 2016 02:30:53 GMT

If you invest with a large fund manager, chances are good that your objections to common corporate practices are not getting through.

Retiring: The Doctor Is In. In Your House, That Is.

Fri, 23 Sep 2016 13:59:12 GMT

Dr. Thomas Cornwell with a patient, Mary Hanrahan, at her home. “For the horribly sick, hospitals are the worst place,” he says.Home medical care, a practice from the past, can cost less than hospital care. But bringing it back faces numerous challenges.

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Think a 401(k) Is Not a Sexy Benefit? Competition May Change That

Wed, 21 Sep 2016 17:39:13 GMT

Michael Nemeroff, president of a T-shirt printing business based in Philadelphia, says offering a 401(k) plan has been a great tool for recruiting and retaining employees.Better technology, increased competition and new plan offerings are prompting some start-ups to take a second look at introducing retirement benefits.

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Your Money Adviser: Former ITT Technical Students Can Get Counseling at New Website

Wed, 21 Sep 2016 18:42:06 GMT

The site was announced by the Department of Education, which wants to expand support to students left in the lurch when the school closed.

Sketch Guy: Stubborn Grudges Yield Little. Time to Change Your Investing.

Mon, 19 Sep 2016 17:22:55 GMT

By continuing to invest in the things that hurt you, you only cause yourself more hurt.

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A Sour Surprise for Public Pensions: Two Sets of Books

Sat, 17 Sep 2016 09:00:22 GMT

Lincoln Anderson collecting sticky cards that trap California red scale, a citrus pest.The plight of a tiny local retirement fund in California shows how some public pension plans are far less funded than their official numbers suggest.

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Your Money: Buying a Mattress Online Was Easy. Now, About the Return.

Fri, 16 Sep 2016 12:45:13 GMT

A baby atop mattresses from several companies that were the subjects of in-home trials.Web-based mattress retailers vow they’ll take the product back if it flunks a comfy-sleep test. And they do, but it’s not simple.

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By One Measure, Health Care Law Is a Record Success

Thu, 15 Sep 2016 15:59:35 GMT

Craig Dooley, 56, getting a chest X-ray in Taylorsville, Ky. Mr. Dooley became eligible for expanded Medicaid coverage under the Affordable Care Act.While the number of people without health insurance is at its lowest, thanks largely to Obamacare, continued declines are far from certain.

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Your Money Adviser: Considering Cremation? What You Need to Know

Wed, 14 Sep 2016 21:02:58 GMT

Though cremation has grown in popularity, substantial numbers of funeral homes don’t tell consumers of the availability and cost of a basic cremation.

Your Money: What Should a Cubs Fan Pay to Realize a Lifelong Dream?

Tue, 13 Sep 2016 04:05:30 GMT

When Rebecca Parrilla moved from Chicago to Chapel Hill, N.C., in May, she was delighted to discover “LUV CUBS” was available for a vanity license plate.For the chance to see their team in the World Series for the first time in 71 years, some fans are prepared to dig deep, and others may get creative.

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The Haggler: Why Aren’t They in Jail? Here’s One Company Head Who Is

Sat, 10 Sep 2016 16:38:54 GMT

The Haggler finds out that an Alabama businessman actually is in jail — for defrauding the federal government. But customer complaints about his business sent him there early.

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Wealth Matters: Owning a Vineyard: The Days of Wine Are Not All Rosy

Fri, 09 Sep 2016 17:38:11 GMT

“I feel like I’m a pretty sophisticated financial analyst, but I still struggle with how you value a vineyard,” said Bill Price, who owns six vineyards and five wineries.Even for those skilled in business, separating the romance from the financial reality of producing and selling grapes and wine is not easy.

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Your Money Adviser: A Little Nagging Can Help Reduce Credit Card Debt

Fri, 09 Sep 2016 18:02:20 GMT

A study found that some simple rules about using credit led some consumers to carry less credit card debt.

Retiring: Older Entrepreneurs Take On the ‘Concrete Ceiling’

Fri, 09 Sep 2016 15:36:28 GMT

Originally a novelist, Avery Chenoweth had a major heart attack that left him too fatigued to write. He had to look elsewhere to pay the bills.Despite the challenges, older people are creating their own ventures, with some getting help from government as well as AARP and other private groups.

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Your Money Adviser: How to Assess Private Flood Insurance

Wed, 07 Sep 2016 23:16:44 GMT

As rates for federal flood insurance increased, some insurers saw a market for private policies. But consumers should weigh how the policies compare.

Your Money: ‘What if You Weren’t Afraid?’ and 4 More Money Questions From Readers

Fri, 02 Sep 2016 14:16:03 GMT

Lisa Woolery, left, and her wife, Janice, feed their goats outside their Des Moines home. They look forward to traveling to New Zealand someday, but will start with a smaller splurge on a trip to San Francisco.Not surprisingly, parents and their values influenced how readers said they made decisions about saving, spending and giving.

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Your Money: 7 Essential Money Questions Sure to Start a Conversation

Mon, 29 Aug 2016 02:09:15 GMT

Questions that focus on family, feelings and the future we plan for ourselves.

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Your Money Adviser: How Students and Parents Can Spot I.R.S. Impersonators

Fri, 02 Sep 2016 17:35:03 GMT

Telephone scammers have been targeting students and parents with calls demanding payments for a “federal student tax.”

Your Money Adviser: U.S. Will Extend HARP Home Loan Program Into Next Year

Wed, 31 Aug 2016 23:03:38 GMT

The Home Affordable Refinance Program, started in response to the housing crisis, will continue through September 2017 as a new program takes shape.

California Aims Retirement Plan at Those Whose Jobs Offer None

Thu, 25 Aug 2016 21:19:07 GMT

Couples along the beach in California, where a mandatory, state-run retirement plan will call for employers to automatically enroll workers, then start deducting 3 percent from each paycheck.The plan would cover an estimated six million people and could make the state the first to require companies to take part in such a system.

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Retiring: Trading Stocks for Bonds Poses Its Own Risks

Fri, 26 Aug 2016 15:53:45 GMT

Sarah Newcomb, a behavioral economist for Morningstar, wanted to know for herself how much the cost of living was likely to increase over time — and whether her portfolio could keep up with inflation.In an era of ultralow bond yields and longer retirements, loading up on bonds and decreasing market exposure as you age may not be the best idea.

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Wealth Matters: Real Estate Strikes Out on Its Own in the Stock Indexes

Fri, 26 Aug 2016 22:12:07 GMT

“Think back to 1999 or 2000,” said David Blitzer, managing director of the index committee at S&P Dow Jones Indices. “No one really talked about investing in real estate. We were trying to recover from the tech boom and bust.”Experts differ on whether real estate’s move out of the financials category to its own classification will benefit individual investors.

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Your Money Adviser: Document Flood and Fire Damage to Ease Insurance Claims

Wed, 24 Aug 2016 20:44:09 GMT

Taking photographs of damaged or destroyed property before it is discarded provides a record for use in making insurance claims.

Your Money: These Airlines Are Making It Easier to Share Miles

Fri, 19 Aug 2016 09:37:18 GMT

A few smaller airlines are helping customers earn free seats many times faster than they used to, and without charging them for the privilege.

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The Cost of Sharing Frequent Flier Miles

Fri, 19 Aug 2016 09:38:31 GMT

McCarran International Airport in Las Vegas.Want to share miles with a friend or a family member? Here are the pooling policies at some of the biggest carriers in the country.

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Retiring: Patient Advocates Help Navigate Health Care

Fri, 19 Aug 2016 14:30:58 GMT

Elsa Newmyer, right, talks with Elisabeth Schuler Russell, the founder and president of Patient Navigator.The nascent profession, just a few years old, handles everything from negotiating lower bills to finding the best doctor.

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Sketch Guy: The Cost of Holding On

Mon, 29 Aug 2016 02:06:07 GMT

There is a cost to holding onto things we should let go of: anger, frustration, resentment, or even worse. Can we really afford to keep paying this bill?

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Strategies: The Obama Years: The Best of Times to Be a Stock Investor

Fri, 19 Aug 2016 17:30:21 GMT

The main reason the bull market hasn’t been widely celebrated may be because it followed one of the worst declines in stock market history.

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Your Money Adviser: Social Security Retreats From Cellphone-Based Online Security

Thu, 18 Aug 2016 20:07:36 GMT

The change means users can log on to their online “mySocialSecurity” accounts as before, with just a username and password.

Your Money Adviser: More Big Banks Are Using Arbitration to Bar Customer Lawsuits

Tue, 30 Aug 2016 18:12:06 GMT

Customers say they want to keep the right to sue, and the Consumer Financial Protection Bureau has proposed a ban on such moves by banks.

Wealth Matters: Treasury Wants to End Tax Deal for Some Family-Owned Businesses

Tue, 30 Aug 2016 17:52:07 GMT

A home in the affluent Bel Air neighborhood of Los Angeles. The Treasury Department has proposed eliminating a provision in the tax code that has been abused by tax planners and lawyers.This provision has been abused by aggressive tax planners and lawyers who used it for family limited partnerships, sometimes as high as 40 percent.

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How Millennials Became Spooked by Credit Cards

Tue, 16 Aug 2016 01:13:50 GMT

Rebecca Liebman, 23, a founder of the financial literacy site LearnLux, got a credit card this year only to build up her credit history.Building a credit history holds less appeal for young Americans who had trouble paying off student loans and saw their families’ struggles during the financial crisis.

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Sketch Guy: Hesitant to Make That Big Life Change? Permission Granted

Mon, 15 Aug 2016 13:56:58 GMT

Seeking approval and external validation is part of the human experience, but when it comes to making a major shift, that can be hard to find.

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The Haggler: Solar Snare: Spend Thousands and Cut Power Bills by $9 a Month

Sat, 13 Aug 2016 15:46:10 GMT

A solar power system fails to cut electricity bills as promised.When Global Efficient Energy’s installation fails to cut energy bills as promised, a buyer asks the Haggler to help cancel a $19,900 loan for the system.

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Strategies: The Billion-Dollar Jackpot: Engineered to Drain Your Wallet

Fri, 12 Aug 2016 20:57:04 GMT

Mind-boggling lottery prizes are no accident; they’re the result of skillful planning intended to lure players, who would almost always do better by investing that money.

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Retiring: Too Old for Hard Labor, but Still on the Job

Fri, 12 Aug 2016 14:27:45 GMT

In 2000, Steve Guadalupe, now 68, shifted from maintenance work at the Baptist Hospital of Miami to running the concierge desk, directing people when they enter the medical building.Some blue-collar workers trade the physical stress for related work that takes advantage of their knowledge and experience.

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Your Money Adviser: Multigenerational Households: The Benefits, and Perils

Fri, 12 Aug 2016 15:21:13 GMT

Despite recession’s end, a record 60.6 million people, or 19 percent of the American population, lived with multiple generations under one roof in 2014.

Your Money: Zen and the Art of 401(k) Maintenance

Fri, 05 Aug 2016 13:59:29 GMT

How often should you check the performance of your investments? As seldom as possible — especially when markets are falling.

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States Vie to Shield the Wealth of the 1 Percent

Mon, 08 Aug 2016 16:51:47 GMT

Steven J. Oshins at his law office in Nevada, which competes with other states for the lucrative business of shielding the assets of the superrich.Nevada, Delaware and other states compete to offer ways for the rich to fend off creditors, divorcing spouses and even tax collectors.

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Strategies: Why Is the Stock Market So High? Ask the Bond Market

Sat, 30 Jul 2016 15:22:07 GMT

Bonds have risen sharply in value, and their yields have plummeted. That has made stock prices look cheap and dividends seem generous, driving up the market.

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Sketch Guy: More Money, More Success, More Stuff? Don’t Count on More Happiness

Mon, 25 Jul 2016 10:00:14 GMT

For those who put happiness on an unattainable pedestal just around the corner, it might be time to get off the so-called hedonic treadmill and get back to the present.

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Wealth Matters: Why Insurance Companies Don’t Renew Policies

Fri, 22 Jul 2016 13:15:51 GMT

After Nancy Wergeles lost her engagement ring, she and her husband contacted their insurer, Travelers Insurance. Within weeks, Ms. Wergeles had a check for $19,000 to replace the ring. But this spring, Travelers said it wouldn’t renew the Wergeleses’ personal property policy.Insurance industry experts discuss the two big factors in deciding not to renew your policy: the size of a claim and the frequency of claims.

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Payday Loan Limits May Cut Abuse but Leave Some Borrowers Looking

Fri, 22 Jul 2016 20:31:11 GMT

One of the storefront outlets of Advance America, a large payday lender, in Canton, Ohio.Lenders and some consumer advocates ask what borrowers will do if stricter regulations remove their main source of short-term financial aid.

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The Workologist: Climbing Down the Corporate Ladder Without Alarming Your Boss

Fri, 22 Jul 2016 11:00:02 GMT

We are conditioned to seek positions of more responsibility, which is why a request to step back and take a junior role may require careful framing.

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Retiring: Calls for Social Security Expansion Grow Louder in Washington

Sat, 16 Jul 2016 04:33:07 GMT

Jana Panarites, left, and her mother, Helen. The years she spent caring for her mother will mean an estimated 20 percent reduction in her Social Security income.After years of talk about reining in Social Security, the discussion has turned to making it more generous instead.

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Mutual Funds & E.T.F.s

Sat, 09 Apr 2016 15:33:04 GMT

A section on how funds performed in the third quarter of the year — and on where they may be heading.

Retirement Special Section

Mon, 07 Mar 2016 21:53:07 GMT

Articles on making three-generation family vacations work, the ins and outs of renting abroad, how frugality can hurt your credit score and more.

Your Money Special Section

Fri, 25 Mar 2016 19:39:21 GMT

Human psychology can get in the way of a secure life. Here are some ways to outwit it.

Wealth Special Section

Fri, 12 Feb 2016 19:03:35 GMT

Articles on managing fortunes, improving lifestyles and finding financial security.

Your Money Adviser: How to Dig Out of Federal Student Loan Default

Fri, 21 Oct 2016 14:19:45 GMT

Rehabilitation, the main option for getting back on track, can return borrowers to delinquency because of “needless red tape,” a new report finds.

Your Money Adviser: Understanding the Terms of Your Student Loans

Wed, 19 Oct 2016 20:26:37 GMT

A new report finds that students aren’t borrowing the federal limit before seeking private or state loans, which tend to have costlier terms.

Your Money Adviser: Want to Help Pay for a Child’s College? Grab a Gift Card

Wed, 05 Oct 2016 21:17:15 GMT

Starting Friday in California, and expected nationwide next month, Toys “R” Us and Babies “R” Us stores will have 529 plan gift cards available.

Your Money: How to Pay for College With Less Stress

Fri, 23 Sep 2016 16:15:28 GMT

Ellie McKinley, 17, of Eau Claire, Wis., considered the Rhode Island School of Design or the Pratt Institute in Brooklyn to study graphic design. But the University of Wisconsin–Stout offers the same course of study at a third of the cost.An adviser has a four-step plan to prepare for the financial gantlet that is your child’s college education.

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Your Money Adviser: U.S. Puts Private Student Loan Servicers on Notice: Play Nice

Fri, 26 Aug 2016 15:43:10 GMT

The Consumer Financial Protection Bureau has stepped up pressure on independent banks and lenders such as Wells Fargo to treat their borrowers better.

Your Money: The Big Pause You Should Take Before Co-Signing a Student Loan

Fri, 12 Aug 2016 13:39:56 GMT

The tough-love approach may be best when tempted to help and co-sign.Lending your signature and good credit history to someone could indeed make a difference, but it comes with plenty of risk.

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Economic View: America Can Fix Its Student Loan Crisis. Just Ask Australia.

Thu, 14 Jul 2016 17:24:03 GMT

Other countries offer plans that give students more time to repay loans or that make provisions for fluctuating earnings, so fewer borrowers default.

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Your Money Adviser: Rates on Federal Student Loans Are Falling

Fri, 24 Jun 2016 19:30:29 GMT

The rate on direct loans for undergraduates will be 3.76 percent, down from 4.29 percent. For graduate students, it will be 5.31 percent, down from 5.84 percent.

Your Money Adviser: New Rules for College Financial Aid Accounts

Sat, 16 Jul 2016 04:43:07 GMT

New federal rules prohibit colleges from steering students to specific bank accounts to deposit financial aid.

Your Money Adviser: Earlier Date for Filing Fafsa Form for College Aid

Wed, 10 Aug 2016 18:58:54 GMT

The campus of the University of California, Los Angeles.The filing date for the Free Application for Federal Student Aid was moved to Oct. 1 to align it with the typical college admissions cycle.

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Your Money: Concealing the Calculus of Higher Education

Fri, 15 Jan 2016 18:56:45 GMT

Choosing which school to attend is one of the biggest financial decisions that many people will ever make. Why are some schools making it harder to compare the potential costs?

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Economic View: Student Debt in America: Lend With a Smile, Collect With a Fist

Fri, 27 Nov 2015 12:50:32 GMT

Liz Kelley, left, and her sister and fellow teacher, Sheryl Silverberg, 45, at Ms. Kelley's home in Ballwin, Mo. Ms. Kelley, a high school English teacher and mother of four, has accrued $410,000 in student loan debt.The story of how a teacher ended up $410,000 in debt reveals the deep contradictions in the federal government’s approach to student loans.

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Your Money: The Many Pitfalls of Private Student Loans

Fri, 04 Sep 2015 19:42:17 GMT

Federal loans for education often offer options to ease onerous repayment terms. Not so with private loans, as some borrowers have learned to their dismay.

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Firms Offer Cash to Help New Lawyers Pay Student Debt

Fri, 15 Jul 2016 12:28:33 GMT

James M. Fee joined Orrick’s New York office in September. His monthly loan repayment is his second-highest expense after rent.They join a wave of other workplaces that are providing student loan repayment programs to attract and retain millennial employees.

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