Last Build Date: Wed, 07 Dec 2016 08:24:50 GMTCopyright: Copyright 2016 The New York Times Company
Fri, 02 Dec 2016 19:18:55 GMTFrom left, Dove Morgan Schmidt (Ms. Oklahoma), Sharon Peters (Ms. Michigan), Catherine Szerszen (Ms. Kentucky), Marguerite Rose (Ms. Rhode Island), and Linda Allbright (Ms. Washington) watch the performances backstage at the 2016 Ms. Senior America Pageant in Atlantic City.The Ms. Senior America pageant, and others like it, celebrate women of a certain age — “between 60 and death,” one contestant joked.
Mon, 05 Dec 2016 17:15:45 GMTKnowing there’s a return on investment that doesn’t fit neatly on a spreadsheet can help ease the stress.
Sat, 03 Dec 2016 20:17:03 GMTSocially responsible investing makes good business sense.
Sat, 03 Dec 2016 18:17:02 GMTA detention center in Eloy, Ariz. President-elect Donald J. Trump’s promise to deport millions of immigrants who are in the country illegally and his selection of the tough-on-crime senator Jeff Sessions of Alabama as attorney general could mean big money for the private prison industry.In the market rally after Donald J. Trump was elected president, two big beneficiaries were operators of prisons and immigration detention centers.
Sat, 03 Dec 2016 16:50:33 GMTA customer requested a refund from FlipKey, an online rental service owned by TripAdvisor, after arriving at a filthy lakeside vacation rental.
Fri, 02 Dec 2016 16:19:59 GMTHouses in Norfolk, Va., on waterfront property. Some have raised foundations to ward off flood damage.It’s a smart idea to consider the long-term implications of owning a home in damage-prone areas.
Fri, 02 Dec 2016 17:11:10 GMTJason Wolff and Jennifer Ferro, president of KCRW, at the station’s studios in Santa Monica, Calif. Mr. Wolff donated a radio station to KCRW.Many gifts this time of year are checks written to causes, but some come as junked cars and even orphan radio stations.
Fri, 02 Dec 2016 16:42:57 GMTIn another sign of a recovering housing market, the government will increase the amount that can be borrowed before loans become “jumbo” mortgages.
Wed, 30 Nov 2016 21:29:45 GMTThis is the time of year that a student loan grace period typically ends for spring graduates — but flexible repayment plans can help ease the burden.
Thu, 24 Nov 2016 14:00:16 GMTWe can get an idea of what to us feels like enough money by getting a baseline on spending and quantity, then homing in on quality.
Mon, 28 Nov 2016 16:29:54 GMTTrying to keep up with the Joneses, when the Joneses’ real finances are unknown, is unwise, a financial planner reminds us.
Wed, 30 Nov 2016 02:24:34 GMTWilliam Riffer (standing) joined the Christopher Wren Association in Williamsburg, Va., one of 400 University communities have advantages like intellectual stimulation, cultural amenities and a healthy economic base without a high price tag.
Fri, 25 Nov 2016 18:24:27 GMTLorrie Meyercord in her home invested more than $1 million in a company that builds housing for artists who use their creative talent for social good.How individual investors are contributing funds to artists who are working on important social issues.
Fri, 18 Nov 2016 23:09:48 GMTTwo brokerage firms, Clayton, Lowell & Conger and Ridgeway & Conger, in New Woodstock, N.Y., are no longer in operation. The building is for sale.Many brokers with troubled pasts are still running amok without their customers’ knowing their histories or their employers’ seeming to care much.
Fri, 18 Nov 2016 18:24:17 GMTMutual insurance companies owned by policyholders paid claims at a higher rate, providing the best value to consumers, a study found.
Mon, 21 Nov 2016 16:41:41 GMTLike children, some adults seem convinced that they can pretend to be investors, but that can be dangerous.
Sat, 19 Nov 2016 17:30:20 GMTA nonprofit that disputes huge bills from a supplier of printer toner is whipsawed between two companies, one of which is not even supposed to exist.
Sat, 19 Nov 2016 17:04:06 GMTSince Donald J. Trump’s victory, stock futures, bonds and some stock sectors have reversed themselves, and investors can expect more uncertainty.
Fri, 18 Nov 2016 21:42:33 GMTIn a lawsuit, Marsha Wetzel is accusing the Glen St. Andrew housing center and its managers of failing to protect her from hostile residents who have insulted and verbally abused her.If successful, Marsha Wetzel’s lawsuit against a senior living community in Illinois could set a legal precedent establishing housing providers’ responsibilities.
Fri, 18 Nov 2016 19:40:48 GMTDuane and Nancy Squires at their home in Myrtle Beach, S.C. They set up a trusteed I.R.A. to manage how their I.R.A. savings would be distributed to their children after their deaths.A trusteed I.R.A. lets parents determine how, when and why their children receive the distributions from their retirement accounts.
Fri, 18 Nov 2016 11:05:22 GMTAfter pulling cash from their homes during the boom years, many older people are saddled with rising debt, making retirement more difficult.
Fri, 18 Nov 2016 13:20:45 GMTThere are ways to minimize the financial pain of trading in a car that is worth less than what you owe.
Wed, 16 Nov 2016 20:04:35 GMTJeff Platt, chief executive of Sky Zone, at a Sky Zone location in Orlando, Fla. Mr. Platt said it took some effort to educate insurers about his trampoline park business.An entrepreneur might want to save money by ignoring potential liabilities, patents, copyrights or taxes, but such issues can be business killers.
Fri, 18 Nov 2016 22:43:07 GMTRising share prices signify predictions of greater profits, but those profits could come at the expense of consumers if regulations are slashed.
Mon, 14 Nov 2016 16:25:29 GMTLike the outcome of the presidential election, investing can have unpredictable results because no one has any idea what the future holds.
Wed, 16 Nov 2016 16:51:49 GMTDespite what the ads say, the overwhelming majority of deals on the day after Thanksgiving are duds.
Thu, 17 Nov 2016 00:25:21 GMTThis year, for the first time, the Fafsa was made available on Oct. 1 — three months earlier than usual — for the next academic year.
Fri, 11 Nov 2016 15:19:27 GMTHalf of all Americans who work in the private sector lack access to an employer-based retirement plan and efforts to increase those numbers have not yet amounted to much.
Fri, 11 Nov 2016 22:33:25 GMTThis special section explores how political turmoil here and abroad is raising uncertainty in the global economy.
Fri, 11 Nov 2016 19:43:57 GMTAlmost a third of credit card borrowers make payments at or near the monthly minimum amount, a new study shows, increasing the interest they pay.
Fri, 11 Nov 2016 15:22:38 GMTOlder adults attend a sushi class at Mather’s-More Than a Cafe in Chicago.Senior centers have undergone profound changes in recent years to appeal to baby boomers who are living longer and expect more — much more.
Wed, 09 Nov 2016 19:27:46 GMTA new program offers some benefits to borrowers with private loans but also carries risks, experts caution.
Fri, 04 Nov 2016 15:22:51 GMTPlans known as 403(b)’s often have mediocre investment choices and high fees; here are some ways to do something about it.
Wed, 02 Nov 2016 16:01:36 GMTShort on time and money, small nonprofits often have little of either left for researching and adopting the best savings vehicles for their workers.
Fri, 28 Oct 2016 16:58:48 GMTSchoolteachers and other government and nonprofit workers are often at the mercy of confusing contracts tied to arcane investments, sold by representatives who may not understand them.
Wed, 26 Oct 2016 21:54:23 GMTA look inside the high-pressure job of selling workplace annuities to public schoolteachers.
Fri, 21 Oct 2016 21:22:09 GMTSchoolteachers and others who pursue careers of service in exchange for modest paychecks get lightly regulated retirement plans that often charge excessive fees.
Fri, 21 Oct 2016 21:41:20 GMTA 403(b) plan is similar to the more familiar 401(k), but it is subject to less stringent securities regulations.
Wed, 09 Nov 2016 13:48:06 GMTTraders on the floor of the New York Stock Exchange on Wednesday. American investors tend to have at least half of their stock investments in United States companies.If your goals haven’t changed, resist a knee-jerk reaction based on an election that didn’t go your way.
Mon, 07 Nov 2016 18:01:10 GMTBefore your next big purchase, use the preload method by setting up a savings account and automatically transferring the monthly payment to it.
Fri, 04 Nov 2016 14:35:05 GMTK. Sujata, president and chief executive of the Chicago Foundation for Women, oversaw a merger in 2012, when her nonprofit group took over the Eleanor Foundation.For foundations and public charities, a merger can achieve the same goals it does for businesses: growth, effectiveness and, sometimes, viability.
Wed, 02 Nov 2016 23:35:27 GMTExperts advise those covered by Medicare to check the changes in their prescription drug plans and consider changing plans before the Dec. 7 deadline.
Fri, 28 Oct 2016 16:36:56 GMTAt the Midland School in Los Olivos, Calif., meeting the basic needs like electricity, hot water and food are a big part of the students’ responsibilities.A prep school that prepares students for entry into competitive colleges, but also teaches them how to raise livestock, grow vegetables and chop wood.
Wed, 02 Nov 2016 17:55:30 GMTTo streamline the process, embrace the uncertainty of life and be open to possibilities.
Wed, 02 Nov 2016 16:24:08 GMTEliam Medina, left, and Rob Dyson, co-founders of Willing, a service that walks people through the completion of estate planning documents.A crop of tech start-ups is looking to capture a slice of the funeral sector and end-of-life care. Many of them are founded by millennials, who have grown up online.
Mon, 31 Oct 2016 21:28:59 GMTA 2016 Nissan Versa, left, collided with a 2015 Nissan Tsuru in a car-to-car crash test in Virginia last week.Because national laws vary, the make of car you drive at home might not have the same safety features in many other countries.
Mon, 31 Oct 2016 21:35:36 GMTSome tips on how to weed out the worst cars.
Fri, 28 Oct 2016 17:28:00 GMTThe HealthCare.gov home page.Many with health insurance through government marketplaces are eligible for financial help that can significantly lower those premiums.
Fri, 28 Oct 2016 17:13:52 GMTSuzanne Duncan led a team that started out researching incentives in investment decisions, but switched over to studying motivation.In finance, phi is a way for investors to quantify how their motivations, or the motivations of their money managers, will affect long-term returns.
Thu, 27 Oct 2016 17:00:44 GMTAllie Mangel sits in her Ford Edge, which she leased before learning she had to stop driving because she was losing her vision. She was unable to get out of the lease.An auto lease, a common alternative to buying a vehicle, is a three-party contract that can be hard to break.
Thu, 27 Oct 2016 17:00:18 GMTA driver looking to end a car lease early might turn to a broker, but using such a service comes with its own costs and restrictions.
Wed, 26 Oct 2016 16:23:19 GMTEdgar Blazona, founder of BenchMade Modern, one of several new furniture companies courting customers, increasingly millennials.Start-ups are trying to break off pieces of the furniture market by offering custom sizes and colors, or more affordable prices, and quicker turnaround.
Mon, 24 Oct 2016 17:04:23 GMTThe answer to this basic question is the key to ensuring you’re on the right path, a financial adviser writes.
Wed, 26 Oct 2016 19:58:56 GMTWorkers should look beyond the plan’s monthly premium to consider other costs that they might have to pay out of pocket.
Wed, 19 Oct 2016 15:08:14 GMTTop 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.
Mon, 24 Oct 2016 17:31:46 GMTSimple answers to questions you’ve always had about money.
Sat, 22 Oct 2016 17:58:19 GMTWhen the travel insurance company Allianz denies a claim for a trip that was canceled for medical reasons, a traveler seeks help getting a reimbursement.
Fri, 21 Oct 2016 10:00:23 GMTBill 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.
Fri, 21 Oct 2016 15:18:58 GMTEd 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.
Fri, 21 Oct 2016 15:10:15 GMTHigh prices are a natural reflection of great demand and scant supply. In a free market, they are inevitable until demand subsides or supply expands.
Thu, 20 Oct 2016 16:56:00 GMTKevin 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.
Thu, 20 Oct 2016 16:57:18 GMTFormer 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.
Fri, 07 Oct 2016 17:08:08 GMTIf 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.
Tue, 18 Oct 2016 18:08:27 GMTThe lessons learned while pushing yourself outside your comfort zone can be invaluable, a financial planner writes.
Fri, 14 Oct 2016 16:53:10 GMTThe cards give minors control over their own cash but allow parents to monitor the spending and offer guidance as needed.
Fri, 14 Oct 2016 20:52:08 GMTIf you can use augmented reality to find cartoon monsters, why not use it to capture weirdly enticing investments?
Fri, 14 Oct 2016 23:44:48 GMTTraders 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.
Sun, 23 Oct 2016 04:13:57 GMTBrian P. Smoluch, a manager of the Big, Small, American, Chinese: Different stocks produced outstanding results for investors and the funds that hold them.
Fri, 14 Oct 2016 20:55:50 GMTShoppers 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.
Fri, 14 Oct 2016 20:46:48 GMTMutual fund managers are holding their ground, which may be a stabilizing force in the market.
Fri, 14 Oct 2016 20:58:07 GMTAs the market fluctuates, these books remind us to use common sense and stick to the basics when saving and planning for retirement.
Fri, 14 Oct 2016 20:39:58 GMTDespite the prospect of higher interest rates, the imminent presidential election and heightened uncertainty in Europe, shares have for the most part risen.
Fri, 14 Oct 2016 20:44:17 GMTDollar-cost averaging offers investors a way to avoid the risks of trying to time the markets, and to save gradually, at a reasonable price.
Fri, 14 Oct 2016 20:33:45 GMTThe markets’ traditional moves may be altering, denting bonds’ appeal. But it’s not really dire. And remember: There’s always the safety of cash.
Fri, 14 Oct 2016 15:13:20 GMTBen 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.
Fri, 14 Oct 2016 15:07:52 GMTMichel 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.
Wed, 12 Oct 2016 21:57:54 GMTWith only a few exceptions, Oct. 17 is the deadline for those who requested filing extensions last April.
Mon, 10 Oct 2016 16:19:02 GMTLetting the savings tail wag the spending dog is not a good plan, a financial adviser writes.
Fri, 07 Oct 2016 14:31:25 GMTMichael 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.
Fri, 07 Oct 2016 16:13:32 GMTPenelope 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.
Tue, 04 Oct 2016 16:36:25 GMTHumility, in personal finance, is knowing how to ask for help when you don’t know something, even when you think you should know it.
Fri, 30 Sep 2016 18:12:01 GMTMore 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.
Fri, 30 Sep 2016 22:05:39 GMTMost people have seen many doctors over many years, so compiling complete medical records would be a nightmare, experts say. But why not try?
Fri, 30 Sep 2016 19:20:32 GMTInara 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.
Fri, 30 Sep 2016 20:39:56 GMTAngelina 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.
Fri, 30 Sep 2016 18:04:40 GMTThe 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.
Wed, 28 Sep 2016 21:56:17 GMTA consumer group found that some high-income motorists with bad driving records pay less for insurance than lower-income consumers with clean records.
Fri, 30 Sep 2016 12:00:02 GMTYou’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.
Fri, 30 Sep 2016 19:47:40 GMTBarry 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.
Mon, 26 Sep 2016 16:17:01 GMTValues-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.
Sat, 24 Sep 2016 18:45:43 GMTWhen 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.
Fri, 23 Sep 2016 16:54:44 GMTTim 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.
Sun, 02 Oct 2016 03:30:53 GMTIf you invest with a large fund manager, chances are good that your objections to common corporate practices are not getting through.
Fri, 23 Sep 2016 14:59:12 GMTDr. 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.
Wed, 21 Sep 2016 18:39:13 GMTMichael 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.
Wed, 21 Sep 2016 19:42:06 GMTThe site was announced by the Department of Education, which wants to expand support to students left in the lurch when the school closed.
Mon, 19 Sep 2016 18:22:55 GMTBy continuing to invest in the things that hurt you, you only cause yourself more hurt.
Sat, 17 Sep 2016 10:00:22 GMTLincoln 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.
Fri, 16 Sep 2016 13:45:13 GMTA 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.
Thu, 15 Sep 2016 16:59:35 GMTCraig 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.