Personal Finance
Help with taxes, saving for college and other financial planning issues.
News Article
How to reach your savings goal this year
- By Anne Tergesen,
- The Wall Street Journal
- - 12/26/2019
Whether it's retirement or a down payment, the beginning of a new year is one of the best times to make a financial plan, behavioral economists say. Here are some of their tips and strategies.
News Article
Understanding cash-out mortgage refinancing
- By Dan Weil,
- Barron's
- - 12/21/2019
Cash-out refinancings allow homeowners to refinance a mortgage and borrow cash at the same time. But borrowers, beware: There are a number of pitfalls and costs to consider. Here's what you need to know.
News Article
When it’s time to cash out a CD
- By Amanda Dixon,
- Bankrate.com
- - 12/18/2019
What happens if your certificate of deposit matures and you don’t do anything? You won’t lose the funds, but you may be stuck with unwanted penalties or policies.
News Article
- By Julie Jargon,
- The Wall Street Journal
- - 12/03/2019
Many young adults and teens prefer digital wallets over physical cash, which could create a disconnect with older adults who still think cash is king.
News Article
How a cash gift can lower your taxes
- By Rocky Mengle,
- Kiplinger
- - 12/03/2019
The IRS says you can gift up to $15,000 a person during the year without having to file a tax return. Giving away cash now can help reduce your estate taxes down the road.
Taxes
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The power of paying down your mortgage faster
Paying down your home mortgage balance faster than required is not a new idea. But you may be surprised to discover how powerful it can be. -
Your nest is empty. Here's what to do with it
The kids have moved out, and you've got some interesting questions to answer: Downsize, upsize or renovate your home? Here are some suggestions for your vacant space. -
Year-end tax moves to make right now
There's still time to do some year-end tax planning that can have a significant effect on how much you'll owe next April. Check out these seven tips. -
Tax moves that could lower Medicare surcharges
Now is a good time for higher-earning Medicare recipients to check whether a small reduction in this year's income could make a big difference in future premiums.
College
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Why the right college really matters
A recent study from the St. Louis Fed shows that getting into a good school leads to higher graduation rates and, more importantly, higher incomes in the long term. -
How pre-paid college tuition plans work
One option you may consider to fund your kids' education is to pay their tuition in advance. Many programs even promise your money will grow to meet costs down the road. -
What a ‘no loan’ college really means
A school with a no-loan financial-aid policy sounds great, but that doesn’t mean it’s no-cost. Here’s what you and your kids need to know before you start applying. -
Giving the gift of a college education
Instead of presents for your kids, you and your relatives may consider putting money into a college savings account. Here’s how to sell it to both the givers and receivers.
Financial Planning
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7 simple investing resolutions
If you're looking to start fresh in the new year, these seven resolutions can guide your investing strategy in the right direction needed to make clear choices. -
U.S. markets may still be the best choice
Diversification is essential to any portfolio, but as U.S. stocks continue to outpace global markets, you may want to let a little ‘home bias’ influence your investing strategy. -
2020 may be a good year for homebuyers
Mortgage rates are expected to stay low this year, which could make it easier for renters to afford owning their own homes as builders shift toward more entry-level properties. -
Why the right college really matters
A recent study from the St. Louis Fed shows that getting into a good school leads to higher graduation rates and, more importantly, higher incomes in the long term.
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