Personal Finance from Forbes.com

  • Social Security Q&A: Should Each Spouse File and Suspend, Claim Spousal Benefits and then File for Retirement Benefits 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.
  • 20 Crucial Money Questions To Ask Before 'I Do'
  • Financial Questions Remain For LGBT Couples More Than A Year After DOMA Decision
    When the U.S. Supreme Court struck down Section 3 of the Defense of Marriage Act last summer it gave married same-sex couples access to most of the federal rights that married heterosexual couples enjoy but not necessarily state rights.
  • Social Security Q&A: If I'm below My FRA and My Spouse Is over 70, Is My Spousal Benefit Half My Spouse's Retirement Benefit?
    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.
  • Why Applying to Schools Based on Tuition Prices Can Cost Families Money
    Parents comparing college costs would be doing themselves and their kids a huge disservice if they just pay attention to listed tuition prices. What really matters is how much the school will cost you after financial aid and outside scholarships. And frankly some schools offer more scholarships than others. You'd be surprised to see which schools are on the Princeton Review's Best Value Colleges for 2014 list. Harvard, Yale and Princeton which have tuition prices that are multiples of state schools were some of the top picks. Why were schools with high tuition rates included?
    "At 65% (97) of the 150 "Best Value" colleges, the average grant to freshmen with need is more than $10,000. Among the top 10 private "Best Value" colleges, the average cost of attendance is about $17,000 after deducting the average grant to students with need. Among the top 10 public "Best Value" colleges, the average cost for in-state students is about $8,400 after deducting the average grant awarded to students with need."
    Schools such as Harvard are giving out a ton of scholarships and grants. There are even public schools on the list that giving out a lot of grant money. However, grants numbers from a list of 15o schools are great to look at as a starting point, but what an individual qualifies for based on their financial need and merit varies from college-to-college. How can families figure out what a school will really cost?
  • Avoid These Common Mistakes Made with Student Loan Refund Checks
    The universal regret most college graduates with federal student loan debt have is how they spent their student loan refund checks. Student loan refund checks are issued to the student from the remaining amount of a federal student loan after all university costs are paid, generally close to the beginning of each semester. For all students, the amount debited from student accounts includes tuition and fees after scholarships are accounted for and for students living on campus university expenses also include any dorm and meal plan costs. Sometimes the refund checks are thousands of dollars that students might feel is theirs to spend as they please. Problem? The debt is part of their student loan tab and will come due when they have to start repaying their student loans.
  • Why Is Wall Street Afraid of 'Blackfish'?
    Everybody hates Sea World... apparently.
  • Treasury I Savings Bond "Cliff Notes"
    Because I was one of the most vocal supporters of I Bonds when they were first introduced, I'm often asked for my thoughts on today's I Bond offerings. The most common question I get is "Are today’s I Bonds a good investment?"
  • Need A Peach? Hamptons Cousins Have You Covered
    Farming is not what comes to mind as the typical Hamptons experience. But for the Raymond Halsey clan who are 12th generation farmers in Water Mill, New York, it is in their blood.
  • Social Security Q&A: Should My Spouse File for Retirement Benefits at FRA or Wait and Claim Spousal Benefits 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.

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