Personal Finance
99 Articles & Excerpts
Home Equity Credit Lines: Is It Right For You?
by FTC
Using a credit line to borrow against the equity in your home has become a popular source of consumer credit. And lenders are offering these home equity credit lines in a variety of ways.
Mortgages: High-Rate, High-Fee Loans
by FTC
If you're refinancing your mortgage or applying for a home equity installment loan, you should know about the Home Ownership and Equity Protection Act of 1994 (HOEPA). The law addresses certain deceptive and unfair practices in home equity lending.
Talking Goals
 Talking Money: Everything You Need to Know about Your Finances and Your Future
by Jean Chatzky
What do you want from your money? Think about that for a minute. It's a loaded question, a difficult question, a question with an infinite number of answers. But it's a question you need to address. You've already taken the first step
Secrets of the Savvy Traveler
 The Wall Street Journal Guide to the Business of Life
by Nancy Keates
To travel well you must travel smart. To travel smart you must travel informed. And being informed isn't just being up on sources and methods, though we have plenty of advice for you in that regard in the pages that follow.
The Beginning
 Financial Peace
by Dave Ramsey
As I stood putting gas in my Jaguar, the cold damp January wind chilled me and seemed to dampen my spirits even more. I hoped the attendant inside would not run a telephone check on my gold card. If he did, they probably would turn me down.
Playing The 'Back 9'
 The Retirement Savings Time Bomb: How to Defuse It
by Ed Slott
In the not so distant past, the issue of protecting retirement savings rather than investing for retirement might have been considered putting the cart before the horse. Not any longer.
Keep It Together
 Parlay Your IRA into a Family Fortune: 3 Easy Steps for creating a lifetime supply of tax-deferred, even tax-free, wealth for you and your family
by Ed Slott
One would assume that most estate planners (as well as books on estate planning) address this issue. But they don't. Yes, they cover how to inherit a house, stocks, insurance, and so on, because these are easy to inherit.
What Comes After a Trillion?
Parlay Your IRA into a Family Fortune: 3 Easy Steps for creating a lifetime supply of tax-deferred, even tax-free, wealth for you and your family
by Ed Slott
IRA exposure to taxation is unavoidable. The tax rules generally require that sheltered retirement money begin to leave its nest when the owner turns 70½ or dies, whichever comes first.
A Comprehensive Guide to Your Money
 The Road to Wealth
by Suze Orman
When it comes to money, I deeply believe that the obstacles that keep us from having more and being more are rooted in the emotional, psychological, and spiritual conditions that have shaped our thoughts.
What My Daughter Owes Me
 Callie's Tally: An Accounting of Baby's First Year
by Betsy Howie
I am not one of those women who has always known. In fact, they amaze me-those women. They fell in love with the idea of babies back when they were barely more than babies themselves.
Being Rich Doesn't Guarantee Your Happiness
 You Don't Have to Be Rich
by Jean Chatzky
Being rich doesn't guarantee your happiness. Being poor doesn't rob you of it. Want proof? Meet Nancy and Lloyd. They're a two-career couple living outside Chicago.
Taking Back Your Financial Life
You Don't Have to Be Rich
by Jean Chatzky
As our paper riches started to accumulate faster and faster, it began to seem okay, natural, even deserving, to spend some of that money. After all, if our brilliance as investors had made us this much money, it would certainly make us much more.
Financial Security on Your Own Terms
You Don't Have to Be Rich
by Jean Chatzky
It was shortly after September 11 a time of turmoil in the markets, when it was impossible to read the newspapers, turn on the television, or even listen to the radio without feeling out of control financially that I started to think about the effects
A Matter of Life and Debt
 Good Debt, Bad Debt: Knowing the Difference Can Save Your Financial Life
by Jon Hanson
In America we have both enjoyed and abused the privileges of our society. Yet many are experiencing an implosion of insecurity and vagueness of purpose that leaves them vulnerable to clever merchants seeking to plunder their infant wealth.
Children and Money
 The First National Bank of Dad
by David Owen
Money is a handy tool if you use it wisely. Even very young children get the hang of it in a hurry. In the baby-blanket incident just described, my wife narrowly averted a family crisis by offering to swap an emotionally neutral symbol (money)
Invisible Workers and Untaxed Profits
None of this is to suggest that you need establish a mysterious offshore link and work for companies based in tax havens to avoid paying U.S. income tax. Truth to tell, many people in the computer field, especially programmers and systems analysts
Phantom Children
The earned income tax credit (EITC) is one of the few antipoverty programs to survive from the 1970s that has won praise from Republicans and Democrats alike. President Ronald W. Reagan, a Republican, called it 'the best antipoverty, the best pro-family
The Tax Cheat Next Door
Tax fraud is exploding in the United States. In ways large and small, Americans are cheating like never before. One of every three people, perhaps as many as one of every two, is doing it. It's one of Washington's dirty little secrets, a ticking time bomb
The Couch Potato Portfolio Is Microwavable
 The Lazy Person's Guide to Investing: A Book for Procrastinators, the Financially Challenged, and Everyone Who Worries About Dealing With Their Money
by Paul B. Farrell, J.D., Ph.D.
A Book for Procrastinators, the Financially Challenged, and Everyone Who Worries About Dealing with Their Money. You don't trust your brokers as far as you can drop-kick them. Stock market listings make your eyes swim.
Different Ways of Earning Money
 Cashflow Quadrant: Rich Dad's Guide to Financial Freedom
by Robert T. Kiyosaki, Sharon L. Lechter C.P.A.
When people ask why Kim and I were homeless, I tell them it was because of what my rich dad taught me about money. For me, money is important, yet I did not want to spend my life working for it. That is why I did not want a job.
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