T/personal-finance

  1. How Retirement Rules Might (or Might Not) Change Under Trump Business, Yesterday

    Readers had questions about individual retirement accounts, distributions and access to brokerage accounts if they moved away from the U.S. Here are some answers.

  2. Esta ‘chica de Wall Street’ quiere hacer más accesible la riqueza En español, November 19

    Vivian Tu forma parte de una nueva ola de mujeres influentes que utilizan TikTok e Instagram para difundir el mensaje de las finanzas personales entre los millénials y la Generación Z.

  3. How Can I Green Up My Investments? Climate, November 18

    It’s not that hard, and there’s a bonus: Portfolios without fossil fuels have generally performed just as well as the broader market.

  4. How to Stop a Late-in-Life Divorce From Ruining Your Retirement Sunday Business, November 17

    As the number of couples who split after the age of 50 rises, more Americans are looking at a retirement that is drastically different than they had expected.

  5. Yes, Most People Probably Should Hold Off on Claiming Social Security Op Ed, November 15

    Readers had a lot of thoughtful objections to this idea. I stand by it as a general rule.

  6. Why States Are Offering Workers at Private Companies Access to I.R.A.s Business, November 15

    With the plans, workers are automatically enrolled and contribute through payroll deductions. The goal is to help more Americans save for retirement.

  7. ¿Qué ocurrirá con la Seguridad Social tras el regreso de Trump al poder? En español, November 15

    A los lectores les preocupa que sus propuestas de campaña pongan en peligro las finanzas de la Seguridad Social.

  8. What Will Happen to Social Security After Trump Takes Office? Business, November 14

    Readers are concerned that his campaign proposals would put Social Security’s finances on thinner ice, endangering their payments.

  9. What Will Trump Do With the Public Service Loan Forgiveness Program? Business, November 14

    There is widespread concern that President-elect Donald J. Trump may end it, since he has tried before. But that may be the wrong thing to fear.

  10. Why Do So Many Americans Pass Up Bigger Social Security Checks? Op Ed, November 11

    It shouldn’t be so easy to leave benefits on the table.

  11. Una pregunta para la Generación Z: ¿quién paga la cuenta en las citas? En español, November 10

    Los jóvenes tienden a ser más liberales en varias cuestiones relativas a las normas de las relaciones. Pero cuando se trata de citas, la idea de que los hombres deben pagar sigue prevaleciendo en los noviazgos heterosexuales.

  12. This ‘Wall Street Girly’ Wants to Make Wealth More Accessible Sunday Business, November 9

    Vivian Tu is one of a new wave of female influencers who are using TikTok and Instagram to spread the message of personal finance to millennials and Generation Z.

  13. They Were Ashamed About Their Debt. Bankruptcy Gave Them a Second Chance. Business, November 9

    Many people who should consider filing for bankruptcy avoid doing so out of shame or fear it could ruin their credit. But it can provide much-needed relief.

  14. Lo que un segundo mandato de Trump podría significar para tu dinero En español, November 8

    Esto es lo que el presidente electo ha dicho que podría hacer con tus impuestos, préstamos estudiantiles, Seguridad Social y más.

  15. Older Workers to Get ‘Super’ 401(k) Catch-Up Contributions in 2025 Business, November 8

    Workers who are 60 to 63 will be able to put in up to $11,250 in extra contributions, if they can afford it.

  16. What a Second Trump Term Could Mean for Your Money Business, November 8

    Here’s what the president-elect has said he might do with your taxes, student loans, Social Security and more.

  17. Even at a Time Like This, Slow and Steady Works in the Stock Market Sunday Business, November 8

    Big changes are coming in the next Trump administration. But your investing plans needn’t change, our columnist says.

  18. What Fed Rate Moves Mean for Your Finances Business, November 7

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

  19. Is It OK to Put Our Assets in Trust to Qualify for Medicaid? Magazine, November 6

    The magazine’s Ethicist columnist on an aging couple’s financial plans.

  20. When Chronic Diseases Come With Chronic Financial Pressure Well, November 4

    For millions of Americans, paying for the treatment needed to manage their diseases can become its own lifelong problem.

  21. In a Perfect World, We’d Eliminate Expense Reports. We’re Getting Closer. Business, November 3

    We hate them. The companies that build expense management software know that we hate them. They would like things to be different.

  22. It’s Time to Shop for Medicare, and 2025 Brings Big Changes Sunday Business, November 2

    A bumper crop of revisions, including a stronger drug benefit, means the plan you enrolled in for 2024 may not be the best fit next year.

  23. They Barter and Trade to Survive. How Will They Vote? Business, November 1

    Many rural Americans engage in cashless barter systems to get food and firewood for heating and cooking. They value self-sufficiency, making them wary of government intervention.

  24. Expect Higher Costs for Your Health Care Benefits Next Year Business, November 1

    Employers are predicting an increase of as much as 9 percent, on average, but are generally avoiding passing along much of that to their employees, industry groups say.

  25. The Market Is Fairly Upbeat. Is It the Calm Before a Storm? Sunday Business, November 1

    Stocks have risen this year despite uncertainties and outright hostilities in U.S. politics and around the world. But bonds and other markets show signs of concern, our columnist says.

  26. Do I Have to Speak Up if Someone Fails to Cash My Check? Magazine, November 1

    The magazine’s Ethicist columnist on the duty one has to rectify accounting errors and other billing mistakes.

  27. They’re Giving Scammers All Their Money. The Kids Can’t Stop Them. Business, October 31

    One son couldn’t prevent his father from giving about $1 million in savings to con artists, including one posing as a female wrestling star. The two became estranged.

  28. For Investors, What if This Time Is Different? Sunday Business, October 27

    Disregarding politics has worked brilliantly in the United States for a century. But market history offers comfort only up to a point, our columnist says.

  29. Readers Shared Hacks for Cheaper Teen Car Insurance. Do They Work? Business, October 26

    Here’s what could happen if you don’t tell your insurer about any teenage drivers in your family — or try to get a separate policy for them altogether.

  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.