T/personal-finance

  1. Consejos para hacer copias de seguridad de tus datos, en tiempos de Elon Musk En español, Today

    Los lectores se preocuparon después de que Musk y su equipo tuvieron acceso a los sistemas de pago federales. Aquí te explicamos cómo hacer copias de seguridad de todos tus datos y documentos.

  2. Did You Sell Concert Tickets or Clothes? You May Owe Taxes. Business, Yesterday

    If you received more than $5,000 for online sales of “goods or services” in 2024, you might get a Form 1099-K. Don’t ignore it, an expert says.

  3. D.E.I. Comes and Goes. Profits Are Forever. Sunday Business, Yesterday

    An awkward truth has become evident in the first days of the Trump administration, as many firms mute their commitments to diversity and sustainability.

  4. Bridging the Medicare Cost Gap: Know Your Options Sunday Business, February 15

    Older Americans have ways to protect against high out-of-pocket health care costs, but it’s important to understand the trade-offs.

  5. How to Become a Millionaire With a Health Savings Account Business, February 14

    A new analysis finds that a diligent saver who leaves the money untouched for decades can accumulate $1 million. But not everyone with an H.S.A. can afford to leave the money untapped.

  6. Which Interest Rate Should You Care About? Sunday Business, February 14

    The Fed’s short-term rates matter, but the main action now is in the 10-year Treasury market, which influences mortgages, credit cards and much more, our columnist says.

  7. Back Up Everything. Even if Elon Musk Isn’t Looking at It. Business, February 14

    Readers worried after Mr. Musk and his team were given access to federal payment systems. Here’s how to back up all your data and documents.

  8. 36 Hours After Russell Vought Took Over Consumer Bureau, He Shut Its Operations Business, February 9

    The agency had been one of Wall Street’s most feared regulators, with the power to issue rules on mortgages, credit cards, student loans and other areas affecting Americans’ financial lives.

  9. Love and Money: Why Sharing Accounts Is Good for Your Relationship Sunday Business, February 9

    Fewer couples are combining their bank accounts. But that trend may not promote partners’ overall financial health, experts say.

  10. Why Transferring Credit Card Debt Won’t Pay It Off Business, February 7

    A new report finds that people are spending more on their cards and paying down less. Financial experts offer tips for reducing that debt, starting with looking at your spending habits.

  11. Why Banks May Be Hoping You’re Not Paying Attention Upshot, February 2

    They have no fiduciary duty in many cases and can profit from customers’ confusion. But where’s the line between unsavory and illegal?

  12. You Can No Longer Buy Paper Inflation Bonds With Your Tax Refund Business, January 31

    The Treasury Department has also eliminated the option of buying as much as $5,000 in extra inflation bonds, beyond the $10,000 annual limit.

  13. The Fed Is Sitting on the Sidelines, but for How Long? Sunday Business, January 31

    The relative calm in the markets may not survive upheaval in the A.I. sector and a deluge of disruptive Trump policies, our columnist says.

  14. What the Fed’s Rate Policy Means for Your Finances Business, January 29

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

  15. The Federal Funding Pause Does Not Apply to Student Loans and Pell Grants Business, January 28

    Students and parents panicked after news of the order, but the Education Department said the guidance would not stop the flow of money to students and schools.

  16. Financial Advice on Social Media Is Growing. And Risky. Sunday Business, January 25

    Everyday investors are turning to financial influencers, or ‘fin-fluencers,’ to learn how to manage their finances, but experts say rooting out misinformation is challenging.

  17. I.R.S. Expands Its Free Tax Filing Option Business, January 24

    The Direct File system will be open to millions of taxpayers in 25 states, up from 12 last year. But it’s unclear what will happen to the program next year.

  18. How to Invest During a Presidency With a Deep Devotion to Profits Sunday Business, January 24

    Big business has an inside track in the second Trump presidency, and people with a stake in those businesses have reason to rejoice, our columnist writes.

  19. 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.

  20. 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.

  21. 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.

  22. 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.

  23. 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.

  24. 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.

  25. 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.

  26. 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.

  27. 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.

  28. 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.

  29. 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.

  30. 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.

  31. 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.

  32. 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.

  33. 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.

  34. 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.