Christy Jones

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What Does It Mean When Your Credit Score Is More Than 800?

Here's what it means if your credit score is higher than 800.<p>FICO credit scores can range from as low as 300 to as high as 850. That said, for people …

Personal Finance

Three tips for smart dividend ETF plays

Pop quiz: What percentage of long-term stock market returns are thanks to the humble dividend? Five? 10? 20?<p>Try 90 percent, according to money managers BlackRock Inc .<p>That may explain a curious phenomenon happening with exchange-traded funds (ETFs) that focus on dividends. Conventional wisdom holds …

Investing

This Is the Best-Selling Eye Cream on Sephora.com

“You look tired” might be one of the worst things someone can say to me. In my book, they might as well have said, “you look terrible.” Since we …

5 Ways to Lose All Your Money in the Stock Market

Investing in stocks is one of the most effective means of accumulating wealth. Yet nearly half of the U.S. adult population steers clear of stocks despite the opportunities at hand, and the reason often boils down to fear.<p>That fear is not irrational. The stock market is unquestionably volatile, and …

Stock Markets

Do Not Take a 401(k) Loan to Buy Your Christmas Gifts

Your 401(k) isn't your personal piggy bank, but that doesn't mean you can't take a loan from it.<p>But as the capitalist bonanza that is Black Friday …

Personal Finance

2017 passport updates: What you need to know

Is your passport valid for your next trip? September marks the U.S. Department of State’s Passport Awareness Month, since this year is particularly important ahead of some impending passport changes.<p>Here’s what you need to know for Passport Awareness Month, covering everything from the REAL ID Act …

Flying

Do You Know These Basic Financial Terms? An Expert Decodes Them All

Does the mere thought of calculating your cut of the dinner tab or logging into your bank account online send shivers down your spine? It turns out …

What You Need to Know About Hurricanes and Insurance Coverage

Hurricane Damage Insurance and Claims Coverage<p>Updated October 31, 2017<p>Damage from falling trees and flying branches, severe rainfall and flooding are …

The Basics Q&A: What Can—and Can’t—I Use a 529 College Savings Account for?

<b>A:</b> Assets in a 529 college savings plan have to be spent on higher education in order to come out of the account tax-free. Besides tuition and fees—the biggest educational bills you'll probably face—other eligible expenses include such things as room, board, books, the purchase of computer and …

Why You Shouldn't Make a Big Down Payment On Your First Home

For decades, it was one of the few hard-and-fast rules when purchasing a home: Put 20% down. A hefty down payment would help you build up equity …

Five-Ingredient Lemony Chicken

A traditional roast chicken is always delicious, but what about those nights when you just don’t have the time? Enter this one-pot skillet chicken. …

Cooking

Where to Exchange Currency—and How to Be Smart About It

Almost anywhere other than the airport is going to be a better bet.<p>Exchanging your money at the airport is kind of like buying a beer at a baseball game: Even though $10 seems like way too much to pay for it, if you walk by and the line is short, you might just do it anyway. Much like knowing …

Personal Finance

8 Reasons Why Minimalism Benefits Your Pocket Book

8 Ways Minimalism Can Help Your Finances<p>Updated September 20, 2017<p>Minimalism is a movement that focuses on reducing the clutter in your life both in …

New Year's Resolution: Become a Millionaire Even if You Make $35,000 a Year

You work hard for your money and your money should be working hard for you. But if you're just starting a career, you're probably more concerned …

Bad news for retirement savers: A key rule that protects your finances is facing delays

And it could still go away altogether.<p>Countless working Americans turn to financial advisers for help in saving for retirement and meeting their long-term financial goals. But it looks like a new rule designed to safeguard everyday investors from unscrupulous advisers will now experience further …

Retirement

How to build a rich life, even if you aren't a financial genius

You don’t have to be a genius, a math brain or know anything about the stock market to invest your money well and retire comfortably.<p>Most people don’t think of themselves as investors. But just about anyone with a fourth-grade education can get key money decisions right — like feeding a 401(k) or …

Retirement

This One-Pot Chili Mac & Cheese Is the Ultimate Comfort Food

Chili mac and cheese is comfort food at its finest. A love child of a hearty beef chili and a cheesy macaroni casserole, this dinner comes together …

Lose 14 Pounds in a Week With a Meat-and-Potatoes Diet

Think you can’t get skinny eating bread, cheese, meat, and potatoes? “Think again!” says Arne Astrup, MD, an obesity expert at the University of …

Food

Best Ever Cheesecake Filled Chocolate Bundt Cake

Combine the cocoa, chocolate, and espresso powder in a large bowl. Pour the boiling water into the bowl and cover. Let stand for 5 minutes. In a …

3 Workout Playlists That Will Motivate You to Get Moving

There’s nothing like good music to get you in the mood to bust a sweat. Just ask these fitness pros who continually create hit lists for their spinning, yoga, and high-intensity training classes. Even when you’re dead tired and about to give up, a song will come on that pushes you through — so …

A Pro Traveler Reveals the 5 Scams American Tourists Fall for Every Time

If you've ever been involved in a travel scam, you'll know how utterly frustrating it is—not only that you've been duped, but that you allowed …

4 smart things everyone under 40 should do with their money

While of course income helps, in reality, the main determinant of wealth (or erosion of) is dictated by your spending habits, and many people fall into the habit of spending more as they earn more.<p>Making smarter decisions about money presents a big opportunity for people under 40.<p>The benefits of …

A top financial adviser says the notion of retirement is gone — here's what he thinks people will do instead

Ric Edelman is the founder and executive chairman of Edelman Financial Services, one of the nation's leading financial advising firms, and author of the new book "The Truth About Your Future: The Money Guide You Need Now, Later, and Much Later." Ric says the notion of retirement is gone. Following …

Millennials Are Scared -- And This Is the Financial Reason Why

Millennials have their worries all right.<p>Not surprisingly for a generation burdened by student debt, the number one concerning personal matter for …

How to Spend 7 Days Japan That Will Leave You Utterly Inspired

Looking for the ultimate Japan itinerary? We’ve mapped out a seven-day schedule that takes you from Tokyo’s neon-lit streets to Kyoto’s …

How much you have to save per paycheck to be a multi-millionaire

If you want to be a multi-millionaire, start putting your money to work today. Ultimately, when you start saving outweighs how much you save, thanks …

Personal Finance

Just 21 years old, he's already saved over $100,000

As soon as Nihar Suthar got his first job, as a tutor for his college’s athletics department, he started saving.<p>"I have been investing since last year, but have been saving money from the time I started college in 2012," says Suthar, who is now a consultant at the firm Roland Berger in Boston, …

Investing

Save money in 2017: How to slash back-to-school costs

Are your kids headed back to school — or are you going back to college or grad school? Get ready to spend big bucks. Back-to-school spending for …

Why You Should Have Multiple Savings Accounts

You know that putting money aside is a good idea, but counterintuitive though it might seem, putting it all in the same place can make your budgeting …

The Freelancer's Guide to Building Your Own Benefits Package

The Freelancer's Guide to Building Your Own Benefits Package<p>Updated February 20, 2018<p>Do you have “gigs” rather than a job? Would you describe …