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Topic: Personal Investments

The Seven Deadly Sins of Investing by the Wall Street Journal

Investors often perform worse than their own mutual funds by moving money in and out in an attempt to time the market. Fund returns vs. investor returns in US stock funds....

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Source: Wall Street Journal


Topic: Personal Investments

Retirement Q&A: Best dividend ETFs? See what USA TODAY recommends.

Retirees love dividends because they offer regular income, something that your money fund or bank CD offers very little of. The average money market fund yields just 0.01%, according to iMoneyNet.com, and the top-yielding one-year bank CD listed by Bankrate.com yields just 1%.

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Source: USA TODAY


Topic: Personal Investments

An Inheritance That Could Foul Financial Aid

Robin’s sister-in-law died several years ago, and she left a pot of money to be used for the education of her many nieces and nephews. In her will, she put another sister in charge of the funds. The sister used it to set up a 529 education savings plan for each of Robin’s children. Robin is afraid these accounts to benefit her children will jeopardize their chances of getting financial aid.

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Source: Forbes


Topic: Personal Investments

Using the Largest-Charities List to Analyze Any Nonprofit

With more than a million tax-exempt organizations - most of them very small - adorning the country, there’s a pretty good chance the one you’re eyeing is not on the annual Forbes list of the largest US Charities. But you can still use our data to gain insights into almost any nonprofit, so long as you are careful.

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Source: Forbes


Topic: Personal Investments

How to protect yourself when filing taxes online

The convenience of electronic filing also allows cybercriminals to file fraudulent tax returns undetected to the tune of $3.6 billion for tax year 2011, according to the most recent review by the Treasury Inspector General for Tax Administration. Here’s how to protect yourself when electronically filing taxes, according to cybersecurity experts CNBC interviewed.

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Source: USA Today


Topic: Personal Investments

Tips for Business Owners on Retirement Planning

Instead of basing your retirement needs on your income, base them on your spending patterns. Your spending reflects your lifestyle; your income doesn’t. But how much should you save?

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Source: Entrepreneur


Topic: Personal Investments

How Much Should Your Legacy Be?

Use this punchlist to help ensure your legacy goes exactly where you want it to go.

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Source: MorningStar


Topic: Personal Investments

According to the Wall Street Journal: Funds for Investors Seeking Income

Here are five funds that yield more than the Standard & Poor’s 500-stock index average and boast strong records over at least the past three years.

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Source: Wall Street Journal


Topic: Personal Investments

According to The Wall Street Journal: Your Portfolio Still Need Bonds

Instead of dumping bonds wholesale or trying to time purchases and sales around interest-rate movements, long-term investors would do well to backspace a moment and ask themselves why they own bonds in the first place.

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Source: The Wall Street Journal


Topic: Personal Investments

Plan For Financial Independence, Not Retirement

Declaring your Financial Independence Day is a better idea than trying to come up with "the number†you need to retire, especially if you’re in your 50s or 60s and don’t have much time to pump up your savings.

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Source: Forbes


Topic: Personal Investments

'Don't Just Spend It'—Smart Moves for Your Tax Refund

If you do get a check, what should you do with the money? Financial planners point out that many people treat the money as a windfall and spend it. "I find most clients treat tax refunds as ’found money’ and use it for ’wants,’ not ’needs,’ " says Martha Ferrari, a financial adviser in Princeton, N.J. She says she encourages them to spend only half of a refund, and save the other half.

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Topic: Personal Investments

According to Forbes, All Hedge Funds May Not Be Bad -- Here's How to Suss Yours Out

There’s a public debate raging about the pros and cons of hedge fundsnot any individual hedge fund, mind you, but rather hedge funds in general.

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Source: Forbes


Topic: Personal Investments

According to Businessweek, Younger Seniors Are Burning Up Their IRAs

The money in your IRA is supposed to last a lifetime, but a new study finds that a lot of seniors are burning through their retirement funds while they still have years of living to go.

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Source: Businessweek


Topic: Personal Investments

Top Places To Retire Rich

For years, Forbes has cranked out list highlighting good places to live in retirement with an eye toward economic value.

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Source: Forbes


Topic: Personal Investments

Retirement Planning: The 'Magic Numbers' Are Different for Everyone

Everyone has a different opinion on exactly how much you should save for a stress-free retirement. Even the experts argue over how much you must set aside each year.

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Source: DailyFinance.com


Topic: Personal Investments

A Cautionary Tale of Spousal Benefits - Social Security

Many couples can significantly enhance their lifetime Social Security earnings by having one of the pair claim spousal benefits at 66 years and delay personal benefits until 70 years of age.

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Source: Market Watch - The Wall Street Journal


Topic: Personal Investments

What the Average American Should Know About the Capital Gains Tax

One of the most contentious issues in the debate over how the federal government can increase its revenues may be a difference of almost 8 percentage points, and it has encouraged over a hundred companies to scramble to issue special dividend payments to shareholders ahead of the New Year.

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Source: DailyFinance.com


Topic: Personal Investments

One in four savers has 401(k) ‘leakage’

One in four 401(k) participants has, at some point, raided his or her 401(k) savings to cover non-retirement expenses, including mortgages, college tuition, and credit card bills, according to a study released this week.

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Source: Market Watch - The Wall Street Journal


Topic: Personal Investments

4 Core Life Insurance Tips

Buying life insurance for the first time can be overwhelming.

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Source: Forbes


Topic: Personal Investments

Five Ways to Offset Education Costs

College can be very expensive. To help students and their parents, the IRS offers the following five ways to offset education costs.

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Source: IRS


Topic: Personal Investments

4 Investing Strategies For Uncertain Times

Investors, brace yourselves: A recent spate of negative economic news signals the market is surely falling. Or -- wait! -- the clearing clouds over Europe point to brighter days ahead. And look at all those tech IPOs. Surely that’s a sign of expansion -- or another bubble.

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Source: SmartMoney.com