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Personal Finance

Managing your wealth
Most of us have financial goals, whether it is to retire at a reasonable age, fund our children’s education, do some traveling or simply manage debt. While overall plans haven’t changed, people’s attitudes have gone through a period of adjustment — and that’s occurring across all age groups, local industry experts say.

Pay attention to IRS rules for offshore accounts 01-30-12
When you hear about the Internal Revenue Service cracking down on those who hide money in offshore accounts, well, you’re probably not thinking much about Canada.
Two percent interest can equal 16 percent gain in bond math 01-23-12
If you made life simple on yourself and bought U.S. Treasury bonds early last year, you may be patting yourself on the back now.
Spending Smart: Dig deep for right diamond 01-23-12
Smart spenders in the market to buy diamonds, perhaps for Valentine’s Day, know all about the four C’s: cut, color, clarity and carat. They are the factors that affect a diamond’s price. But buyers should also be aware of diamond-buying secrets that can reap better value for the money you spend on diamond jewelry.
It’s time to rebuild your credit score 01-16-12
When you try to lose weight, one of the first things you need to do is hop on the scale and get a real number.
Give Orman credit for trying to change credit system 01-16-12
Suze Orman has an intriguing idea, but it comes wrapped in a flimsy package.
Uncertain year ahead for US stocks 01-09-12
BALTIMORE - Investors had plenty to keep them jittery in 2011. There were the earthquake and tsunami in Japan, economic woes in Europe, and, here at home, politically tinged fiscal showdowns in Washington over deep government spending cuts.
Safety paid in 2011 01-09-12
It didn’t pay to follow the standard wisdom offered by investment advisers in 2011.
529 college savings plans have their downsides 01-03-12
LOS ANGELES - Sherri and Cliff Nitschke thought they were planning wisely for their children’s college educations when they opened a 529 savings account in 1998.
Seniors learn to protect themselves against frauds 01-03-12
Once revered as a Wall Street genius, Bernie Madoff became a synonym for a crook three years ago after he was exposed for running the biggest Ponzi scheme in history.
Got a gift card you don’t use or want? Sell it 12-27-11
We want gift cards and like to give them, but for some reason we don’t always use them and wind up wasting billions of dollars.
Organize charitable giving at year’s beginning, not end 12-27-11
This will be the last year, I swear. Starting in 2012, I will not cram most of my charitable giving into December, donations haphazardly made based on the solicitations I get in the mail, charities my friends mention on Facebook, or giving patterns of the past. I vow to craft a thoughtful 2012 giving plan.
In a gift-buying bind? Books worth a read 12-19-11
If there is someone on your holiday shopping list who would like to put the rough times of the past few years into perspective or start the year right with a more thoughtful approach to investing, I have some ideas for you.
Spending Smart: The many factors that affect spending 12-19-11
You know what they say about beauty and the beholder? It apparently lies in the eye of the cardholder too.
Private student loans draw consumer bureau’s scrutiny 12-12-11
Megan Connors of Harford County, Md., says she got a great education at Auburn University but a brutal lesson on private student loans.
Bank fees criticized as opaque, complex 12-12-11
Do checking accounts need to come with a disclosure label, something like the calorie information you can find on a bag of chips?
Higher confidence bodes well for future 12-05-11
November consumer confidence numbers give credence to what retailers saw on Black Friday.
New plastic not in the cards for some 12-05-11
Stay-at-home parents who apply for a credit card to use for the holidays might get a surprising rejection. That’s thanks to a new federal regulation that might prohibit them from getting approved for a card if they don’t have an income of their own.
There are financial reasons to give thanks 11-28-11
At your Thanksgiving table Thursday, you may have joined millions of Americans giving thanks for the good health, happiness and love in your family.
Student debt proposal won’t help everyone 11-21-11
With student loan debt totaling about $1 trillion, and with people wondering how they will make massive monthly payments in a lousy job market, some recent adjustments to student loan rules by the Obama administration are giving people hope.

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