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Byline: Jane Bryant Quinn The single most effective way to maintain your standard of living in retirement is--ta-da!--not to retire. Or at least, not to retire as soon as you [...]

Byline: Jane Bryant Quinn What should you do with the money in your 401(k) when you leave your job? Maybe nothing at all. Your instinct may be to take your [...]

The article offers advice on saving money on taxes. Exemptions have increased due to inflation. People who are saving for retirement will also enjoy increased savings. Tax breaks are available to people affected by Hurricane Katrina, both victims and volunteers. The article also provides information on deciding which tax write-offs are best.

Offers advice on how to teach kids about money. Importance that children learn what the things in their world cost, how to make choices, how to live within limits and how to save; Tips on allowances; Helping them to save money; Prepaid credit cards for children.

Presents a tax-saving guide for 2003. Stashing of money into company retirement accounts; Using up of any dollars left in a company flexible-spending account; New tax cuts; Addition of a 529 plan for college.

Offers advice on how to save money. The importance on making a budget; Deciding which debts to pay off first including college loans; Investigating personal credit history.

The article presents advice for recent college graduates on managing their money efficiently. Several philosophies can prepare former students for managing their money in the real world, including respecting money, managing spending, paying off credit card debt, and investing long term for retirement.

Offers advice to investors in the wake of the stock price drops of the last week of October,1997. Reminder of the risks involved in the stock market; Relative safety of bonds; The odds of making or losing money in leading United States stocks over various holding periods.

This article reports on the U.S. economic downturn in 2008 and offers financial advice to investors. It is recommended that consumers keep money that they will need within several years in insured accounts where it will be protected from loss and that they diversify their stocks. Investors should also consider adding commodities to their investment plans. The article also discusses gold prices, tax-free municipal bonds, and websites where consumers can compare financial services.

Offers advice on investing. Investment mistakes the author has made; Advantages of using credit cards; Rules regarding personal finance which the author believes everyone should follow.

Presents responses to readers' questions regarding investments and personal finance. How to determine the legitimacy of high-rate certificates of deposit available via the Internet; Advantages of United States 529 college-savings plans; Advice for financial planning during retirement; Others.

Offers tips on how to handle the costs of college. Middle-class families who want to send their children to the best schools; Different ways that people pay for college including loans, grants, personal investments and strategic saving; Chart showing how to invest on a monthly basis; What parents are expected to pay for college.

The article presents the steps that older people and retirees can take to ensure personal financial freedom and security. One way of reducing one's debt is prepaying mortgage. It emphasizes the importance of building a better budget to prepare for retirement. Retirees and older people are advised to increase their savings and to invest in stocks for long-term growth.

The author discusses investing strategies during the 2008 financial crisis and says that investors should learn to control their emotions. When the news of major losses on the stock markets becomes a daily event, many investors begin to fear they will lose their entire investment. This causes them to sell at a loss. It is better to continue holding stocks for long periods of time.

This article details several ways to gather investment information from the National Association of Securities Dealers. Bondinfo.com allows users to check if their broker gave them a fair quote on purchased bonds. A calculator on nasd.com allows users to compare mutual-fund costs. Another calculator allows users to see exactly how much money a 529 college-savings plan will cost.

Offers financial advice for people planning their retirement on how to invest and withdraw money. Rejection of all-bond portfolios and all-stock investments; Suggestion that people arrange their portfolios with 60 percent invested in U.S. and international stocks and 40 percent in five-year tax-free municipal bonds; Presentation of three money withdrawal strategies; Statement that managing money in retirement is problematic.

Discusses the effects of a quarter-point cut in short-term interest rates on money market accounts. Possibility that the average taxable money fund may pay .45 percent; Possibility that tax-free money funds will drop to .4 percent; Funds that pay more than 1 percent, including PayPayl Money Market Fund; How dollars in money funds could drop to 99 cents or less because of low rates; Possibility that funds sold by commissioned brokers will break the dollar; Other options for investors beside money funds, including banks; Good rates at Web banks; Stable-value funds in 401(k)s; Safety of U.S. savings bonds.

Offers financial advice for consumers 50 years of age and older who have not saved any money for retirement. Start contributing to a retirement fund; Stop helping your children financially.

Offers advice on investing and keeping one's options open when saving for retirement. Evaluation of the Web program called financialengines.com which predicts the risks involved in the investments chosen; Discussion of not just how, but when to act and make an investment decision; Examples of possible scenarios and how to invest in each of them.

Presents guidelines in making an effective spending plan. Estimated percentage that one can save from salary; Reason why one cannot make a spending plan. INSET: Painless ways to save..

Suggests that the confusing plethora of United States retirement plans, as of 1999, may be discouraging Americans from saving for their retirement. Estimate of the US work force that participates in a private retirement plan; Types of plans available; Absence of a clear policy; Features of reform proposals; President Bill Clinton's proposal to invest Social Security funds in the stock market; Pension plans.

Answers readers' money-related for September 1998. Social security, direct deposit, and creditors garnishing bank accounts; How the money in a custodial account can be spent; Individual retirement accounts (IRA), Roth accounts, withdrawing money, and how separate accounts can simplify tax reporting.

Provides advice for investors interested in the 401(K). The array of mutual funds presented to the employee; The amount to invest; Splitting between stocks, bonds, and cash; Access to expert online advice; The investment tool developed by Nobel laureate William Sharpe for Financial Engines, Inc. in Palo Alto, California; Adjusting the portfolio; Other advisory companies.

Discusses investment strategies for mutual fund investors. The evidence which suggests that a fund's past performance may be an indicator of its future performance; A hot-hands strategy being for those investor who purchase no-load funds, in tax-deferred plans that offer a wide investment choice; Comments from Martin Gruber about success breeding success; The index fund option.

The article focuses on strategies to manage savings and investments to match spending on available income. Explanation is offered on the total return strategy, the bucket strategy and the income floor strategy depending on several considerations, such as age, health and family circumstances. It also discusses investments in fixed income securities, stocks and mutual funds.

The article suggests several ways to use $500 worth of savings. Investments accumulate tax free so long as one use the money for higher education. Buying Series I bond is recommended because its interest rate changes every six months in line with the cost of living. Online banks offer individual retirement accounts invested in certificates of deposit or mutual funds with minimum deposits as low as $250.

Focuses on several ways to boost money confidence. Discussion on getting rid of debts; Advice on increasing retirement savings; Importance of dealing with mutual funds; Rules on organizing retirement savings.

Offers tips on the organization of financial files at home. Analysis of phone bills; Assessment of checking accounts; Reduction of debts.

The article discusses a survey conducted by the Employee Benefit Research Institute (EBRI) to study the management of retirement income. It offers suggestions to plan retirement income by reducing expenses, saving income during work period, and consulting financial advisors. The survey mentions factors leading to retirement include health problems, disability, and downsizing. It also states that investment of earnings for the future, offers long term gains.

The article focuses on preparing Plan B for retirement. The author advises people to face the situation right away when their paychecks unexpectedly halt or a market crash lowers their income. She tells them to cut expenses immediately and save more money, and that it is never too late. She reports that one's toughest Plan B decision might be where to live, suggesting it might be easier to rent than to keep a house that costs more than one can afford. Fitting expenses to income, according to her, starts the journey to peace of mind.

Offers tips on how to get the right home insurance. Damages and losses not covered by some home-insurance policies; Ways to save money.

Offers tips on redirecting savings into profit. Types of accounts that grow tax free when money is used for schooling; Advantage of investing in a mutual fund.

Offers tips on ways to save money. Money savers for 2001 and 2002.

Suggests ways to manage money. Costs of life insurance policies in the United States; Tip on saving money; Best way to invest money.

Focuses on money-related issues. Discussion on telephone call accounting; Ways of cutting debt; Energy conservation efforts of utility companies and manufacturers.

Discusses the benefits and drawbacks of different types of investment instruments. Money-market mutual funds; Treasury securities; United States savings bonds; Short-term bond mutual funds.

Discusses how to evaluate the return on one's investments. Story of the inaccurate investment return calculation by the investment club called the Beardstown Ladies; Using a computer software specially created for the purpose; Calculating annual percentage return of a brokerage account; Working with a financial planner; Adding up one's savings and investments.

The article presents questions and answers related to money including a way to encourage grandparents to give cash instead of gifts to a new baby, the appropriate ways to teach teenagers about investing using apps such as Acorns and Stash, and a way to resolve potential sibling fights over parents' assets when they die.