T/personal-finance

  1. Obamacare Enrollees Could See Big Changes in 2026 Business, March 21

    A proposed rule would restrict “eligibility, enrollment and affordability” in plans under the Affordable Care Act, health policy analysts say.

  2. The Big Secret About Medicaid: It’s a Middle-Class Benefit Sunday Business, March 21

    If you have a parent short on savings, a disabled adult child or a minor with special needs, Medicaid may be your backstop. Plenty of people are unaware.

  3. A Personal Finance Reporter Ponders His Own Climate Change Risk Climate, March 20

    A Times reporter co-wrote a guide to buying a home in an era of record heat, floods and billion-dollar disasters.

  4. What the Fed’s Rate Policy Means for Your Finances Business, March 19

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

  5. How to Shop for a Home That Won’t Be Upended by Climate Change Interactive, March 19

    Deciding where to live has always been a high-stakes financial decision, but a changing climate makes it even more critical. This guide will get you started.

  6. Ride Out the Market Turmoil? Not These Investors. Business, March 16

    Some people are shifting their investment strategies as the stock market sours on President Trump, despite advice to maintain their savings and wait out the angst.

  7. Buying a Car? Trump’s Tariffs Could Make It More Expensive. Business, March 14

    New car prices could increase $4,000 or more, according to one estimate. And used cars could also rise in price. “It’s a crazy situation for consumers,” an expert said.

  8. 19 Ways Congressional Tax Action (or Inaction) Could Hit Your Wallet Sunday Business, March 8

    Brackets may change. The standard deduction could fall. And President Trump will probably not remove taxes on Social Security income.

  9. Why You Should Sign Up for the I.R.S.’s Identity Theft Prevention Tool Business, March 8

    With employees from the so-called Department of Government Efficiency poking around in agency systems, faith in data security isn’t what it once was. The tool, an identity protection PIN, can help.

  10. Scammers Stole Their Savings, and Then the Tax Bill Arrived Sunday Business, March 8

    The victims pulled money out of their retirement accounts. The withdrawals had inflated their taxable income, even though the funds quickly disappeared.

  11. Buying a Home? Without the Consumer Bureau, You Need to Be Your Own Watchdog. Business, March 7

    The C.F.P.B. had kept a close eye on mortgage lenders. But with the bureau hobbled, consumers should take several steps, starting with shopping for the best mortgage rates.

  12. Concert Ticket Prices Are Soaring, and Busting Gen Z’s Budgets Business, March 5

    How can 20-somethings afford the high cost of seeing their favorite artists’ live shows? Some save; some go into debt.

  13. What You Should Know About Your Spouse’s Money Sunday Business, March 2

    Many people are surprisingly clueless about key aspects of their partner’s finances — and that can hurt them. Here’s how to get on the same page.

  14. Student Loan Borrowers Blocked From Affordable Repayment Plans Business, February 28

    The Education Department has pulled down all applications for borrowers seeking to enroll in income-driven repayment programs. Here’s what to know.

  15. With the Consumer Agency on Pause, Here’s How to Protect Yourself Business, February 28

    Rules on bank and credit card fees, medical debt and payment apps are in limbo. One thing you can do is carefully check your financial statements, one expert says.

  16. What to Know About Filing Taxes as the I.R.S. Sheds Workers Business, February 26

    How to avoid delays, check the status of refunds and contact the Internal Revenue Service with problems.

  17. Debt Nearly Buried Them. Here’s How They Got Out of the Hole. Business, February 23

    People who find themselves in financial trouble sometimes consider taking drastic measures when their situation appears hopeless. But there is always a way out.

  18. Consejos para hacer copias de seguridad de tus datos, en tiempos de Elon Musk En español, February 22

    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.

  19. Did You Sell Concert Tickets or Clothes? You May Owe Taxes. Business, February 21

    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.

  20. D.E.I. Comes and Goes. Profits Are Forever. Sunday Business, February 21

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

  21. 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.

  22. 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.

  23. 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.

  24. 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.

  25. 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.

  26. 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.

  27. 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.

  28. 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.

  29. 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.

  30. 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.

  31. 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.

  32. 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.

  33. 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.

  34. 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.

  35. 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.

  36. 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.