Personal Finance from

  • Is Grad School Worth It? 7 Steps To Calculating The ROI
    Want to know if grad school will bring you a return on investment? Here's how to calculate it.
  • How This Lawyer Ended Up With $350,000 In Debt And Near Poverty-Level Income
    She has a master's and a JD, but she can't buy a house because of her massive student loan debt.
  • Retirees: "Let The Force Be With You" (and Your Grandchildren)
    Albert Einstein is credited with saying that compound interest is “the most powerful force in the universe.” I would add that education combined with the miracle of compounding may be the real power we are seeking. Who can have this super-power? Baby Boomers.
  • Social Security Q&A: If I Filed at Full Retirement Age, Can I Repay My Benefits and Reapply at 70?
    Social Security may be your largest or one of your largest assets. How you manage it, by deciding which benefits to collect and when, can make an absolutely huge difference to your lifetime benefits. And those with the highest past covered earnings have the most to gain from maximizing their Social Security.
  • Former Wells Fargo Employees Charged With Insider Trading On Analyst Research Reports
    Perhaps signaling new scrutiny on what has been described as the "netherworld" of Wall Street, the Securities and Exchange Commission has charged two former Wells Fargo employees with violating federal securities laws by using knowledge of nonpublic impending analyst upgrades or downgrades in certain securities to generate more than $100,000 in illicit gains.  Gregory T. Bolan, Jr., 37, and Joseph C. Ruggieri, 35, are charged with violations of Section 17(a) of the Securities Act of 1933, Section 10(b) of the Securities Exchange Act of 1934 and Rule 10b-5 thereunder.  Notably, the Commission has chosen to file the action as as administrative proceeding, and is seeking injunctive relief, disgorgement of ill-gotten gains, and the imposition of civil monetary penalties.  Due to the highly expedited nature of administrative proceedings, an evidentiary hearing must take place within 60 days. The Allegations In an Order Instituting Administrative Proceedings, the Commission alleges that Bolan, a former analyst in Wells Fargo's research department, repeatedly tipped Ruggieri and an unnamed deceased individual of impending upgrades and downgrades to various securities he covered in the health care industry.  Bolan was widely followed and respected in the health care sector, and his ratings had the ability to significantly influence the short-term price direction of various securities.  Ruggieri was a senior trader of health care securities at Wells Fargo, and was responsible not only for entering customer orders but also for placing principal trades for Wells Fargo's account.  After Bolan's tip of an impending upgrade or downgrade, Ruggieri would then purchase or sell short the relevant company's stock ahead of the announcement.
  • Six Ways To Stop Spending Too Much On Your Kid's Birthday Party
    Whether you're planning a party for your child that costs thousands of dollars with a ferris wheel and food stalls or pulling together a festive event on a single income, everyone tends to go overboard at birthday time. We can all afford to take a minute to look at the budget and curb the madness.
  • Retiring Couples' Dilemma: The $100,000 Age Difference
    The notion that retirement is just around the corner may give some couples a warm and fuzzy feeling, until they realize their age difference could cost them more than $100,000.
  • The Seven Most Indebted Nations
    Trends are often missed because we dismiss data too quickly. There has been a global trend unfolding which could cause a serious financial shock if it continues. Learn more about global government debt and why it's so important.
  • Paying For College: A 21-Step Guide To Preserving Wealth
    If you are the parent of a college-bound child—of any age--you should be thinking right now about how your family will finance the degree. The difference between doing it right and not doing it right could easily be worth between $10,000 and $200,000.
  • Paying For College: What Every Parent (And Grandparent) Needs To Know About UTMA Accounts
    Custodial accounts, which function like a poor man’s trust fund, are a simple, low-cost way for an adult to oversee money for a minor. But strategic decisions can affect where -- and how far -- the money goes.


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