T/personal-finance

  1. Se dieron la gran vida. Luego llegó el golpe de realidad En español, October 12

    El concepto de “compra ahora, paga después” ha creado una nueva y delirante cultura del consumo, y ha sumergido a los usuarios en un profundo mar de deudas.

  2. They Each Own 50 Credit Cards. Should You? Business, October 11

    A growing number of Americans are making thousands by exploiting credit card reward offers.

  3. Student Loan Cancellation Is Restarting for Some Federal Borrowers Business, October 10

    After a halt for most of the year, borrowers enrolled in one income-driven repayment plan may begin to receive loan discharges within weeks.

  4. Fintech Start-Ups and Investment Firms Are Battling Over Your 401(k) Your Money, October 10

    Financial tech companies are connecting outside financial advisers to your retirement accounts, and at least one investment firm, Fidelity, is resisting.

  5. Nasty News? Forget About It. The Markets Say All Is Well. Business, October 10

    The third quarter was fabulous for investors, and market signals are upbeat. It’s as though all were calm in the world.

  6. They Got to Live a Life of Luxury. Then Came the Fine Print. Magazine, October 7

    ‘Buy Now, Pay Later’ built a delirious new culture of consumption — and trapped users in a vortex of debt.

  7. Intergenerational Living Provides Family a ‘Foundation to Succeed’ Real Estate, October 7

    Facing a tough housing market, the Nguyen family went all-in on a mortgage together and made an arrangement with seven people ranging from 6 to 65 successful.

  8. Millions of Poor Retirees Have Lost an Easier Path to Help With Medicare Business, October 4

    The budget bill signed by President Trump suspended an effort to enroll more low-income older Americans in programs that assist them with rising health care costs.

  9. Her Stocks Were Quietly Stolen From Her I.R.A. Your Money, October 3

    A retiree logged into his wife’s Roth I.R.A. to make a trade, and stumbled upon a crime scene.

  10. Some Workers Are Turning to Pay-Advance Apps for Basic Expenses Your Money, October 3

    Rising use “is not a signal of satisfaction,” an author of a new report says. Rather, heavy users of the apps are under “financial strain.”

  11. The Woman Who Always Paid for Dinner Style, October 3

    She kept grabbing the check, and men kept letting her, until she landed on a (possibly) brilliant idea.

  12. What are your financial goals? We want to hear about them. Business, October 2

    Inching toward a long-term money milestone can be full of highs and lows, and we want to come along for the ride.

  13. It’s a Bad Time to Cut the Information Coming From Corporate America Business, October 2

    President Trump wants the S.E.C. to reduce the frequency of corporate earnings reports. Our columnist says it’s a reasonable experiment, but at a dangerous time.

  14. Cómo afectará el cierre del gobierno a la Seguridad Social En español, October 1

    ¿Seguirás recibiendo los pagos por jubilación o discapacidad? ¿Qué pasa con otros beneficios? Aquí te lo contamos.

  15. How Social Security Will Be Affected by a Government Shutdown Business, October 1

    Retirement, survivor and disability payments will continue, but some services may be temporarily unavailable.

  16. Travel Now, Pay Later? What to Know Before You Splurge. Travel, September 29

    The pros and cons of buying travel on a layaway plan.

  17. Get Ready for Higher Health Insurance Premiums Next Year Your Money, September 26

    Employers say they are facing the biggest increase in health costs in more than a decade — almost 9 percent on average. Workers’ best option, experts say, is to carefully weigh various plans.

  18. For Investors, Government Shutdowns Haven’t Mattered. Is This Time Different? Business, September 26

    Shutdowns have long been immaterial for the stock and bond markets, but there’s a risk now that a political confrontation could derail the economy.

  19. Cómo darse un lujo en esta economía En español, September 25

    Cuando el bolsillo pasa por tiempos difíciles, gastar en vacaciones caras o cenas lujosas puede parecer imprudente. Pero con planificación, aún es posible encontrar formas de darse un gusto.

  20. A Diminished Social Security Work Force, and Its Customers, Feel the Strain Business, September 24

    After this year’s staffing cuts, some people wait for hours, others sail through. But overburdened field office workers carry the weight.

  21. Do You Love the W.N.B.A.? Tell Us About Paying for Games. Your Money, September 24

    The league is nearing the climax of another season of rapid growth. We want to know how that has affected the fan experience.

  22. Five Pearls of Wisdom From a Legend of Financial Writing Business, September 23

    Jonathan Clements, the longtime Wall Street Journal columnist, died this weekend. Here are some of his best ideas.

  23. Splurging? In This Economy? Here’s How to do it Right. Business, September 20

    In turbulent financial times, splurging on expensive vacations or fine dining may feel unwise. But with planning, people can still find ways to indulge.

  24. The Discount Data That Some Colleges Still Won’t Publish Business, September 19

    The Common Data Set can help prospective students know how much aid they could get to pay for college. Why don’t all schools provide it?

  25. Those Missed Student Loan Payments Are Messing Up Your Credit Score Your Money, September 19

    A new report finds that scores dropped the most for those age 18 to 29. Here’s how to deal with a drop in your score.

  26. Tenían problemas de dinero y recurrieron a ChatGPT en busca de soluciones En español, September 19

    Muchos estadounidenses recurren a chatbots para que les ayuden a enfrentar las deudas, encontrar mejores formas de ahorrar o averiguar cómo invertir en bolsa.

  27. Rate Cuts After Long Pauses Have Been a Boon for Stocks Business, September 18

    But with the market already booming and the Federal Reserve under presidential pressure, a new cycle of lower rates could pour fuel onto a fire, our columnist says.

  28. What the Fed’s Rate Decision Means for Your Finances Business, September 17

    Here’s how the central bank’s interest rate stance influences car loans, credit cards, mortgages, savings and student loans.

  29. The Fed Is Stuck Fighting the Last War Sunday Business, December 13

    Mired in a battle to contain surging prices, the central bank also needs to be nimble enough for the economic downturns to come, our columnist says.

  30. Thousands Are Eligible for Tax Refunds From 2020 Business, April 19

    The I.R.S. estimates that 940,000 people who didn’t file their returns for that year are due back money. The deadline for filing to get it is May 17.

  31. Trump or Biden? The Stock Market Doesn’t Care. Sunday Business, April 12

    Prediction markets say former President Donald J. Trump has a good chance of winning. So far, the stock market is fine with that.

  32. More States Now Require Financial Literacy Classes in High Schools Business, December 1

    The surge in offerings is a response to the pandemic, which revealed glaring income inequality, as well as inflation and the resumption of student loan payments, an expert said.

  33. Look at the Stocks Leading the Market Now Sunday Business, July 7

    Devastated at the height of the pandemic, cruise lines have become top performers.

  34. Student Loan Pause Is Ending, With Consequences for Economy Business, June 21

    Three years of relief from payments on $1.6 trillion in student debt allowed for other borrowing and spending — and will shift into reverse.

  35. It’s Not Just the Debt Ceiling Sunday Business, May 26

    A host of issues face the markets, beyond the prospect of a possible default on U.S. debt. Hedge your bets and ride it out, our columnist says.

  36. Forgot to File Your 2019 Taxes? You Still Can if You Want Your Refund. Business, April 28

    The forms were originally due in the early days of the pandemic. The I.R.S. estimates that 1.5 million people are owed money, but they must file by July 17.

  37. Funeral Homes Don’t Have to List Prices Online. That May Change. Business, April 14

    The rule on price disclosure was written before widespread use of the internet. Regulators are considering an update.

  38. Britain Wants Its Early Retirees Back, but Their Days Are ‘Never Boring’ Business, March 14

    The country’s work force is smaller than it was before the pandemic, sapping economic potential. The government is going to try luring more people off the sidelines.

  39. I Spent Two Years Revenge Spending. It Was Hard to Stop. Sunday Business, March 2

    The pandemic gave consumers an excuse to spend more to make up for lost time. Those who went overboard are trying to reverse course.

  40. At German Christmas Markets, Smiles Shine Bright but Budgets Are Tight Foreign, December 23

    In Nuremberg, the stalls are open without Covid restrictions, and big crowds are returning to sip mulled wine and socialize. But amid economic uncertainty, visitors are spending less.

  41. Their Budgets Flush, Many States Are Sending Checks to Residents Business, November 18

    Up to 20 are using some of their budget surpluses to help taxpayers deal with high inflation. But some economists worry that the payments could fuel inflation.

  42. Deadlines for Using Up Flexible Spending Accounts Return Business, September 16

    Relaxed rules during the pandemic let workers carry over more of the pretax money, which must be spent on health costs or forfeited, but they’re expiring.

  43. I.R.S. to Refund Late-Filing Penalties for 2019 and 2020 Returns Business, September 9

    But to be eligible for the relief, taxpayers have to file the returns by Sept. 30. The agency says the average refund will be $750.

  44. This Is Going to Hurt Sunday Business, June 17

    Inflation is expected to remain high later this year even as the economy slows and layoffs rise. Already, signs of financial stress are surfacing.