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# WIFE.org

Women's Institute of Financial Education

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## Posts

- [Bonusy pro ruletu z reálného kasina: Jak vybrat ten nejlepší bonus pro vaši hru](https://www.wife.org/bonusy-pro-ruletu-z-realneho-kasina-jak-vybrat-ten-nejlepsi-bonus-pro-vasi-hru.htm) - Co jsou to bonusy pro ruletu z reálného kasina? Pro mnoho hrá?? je bonusová nabídka d?ležitým faktorem p?i výb?ru online kasina. Bonusy pro ruletu z reálného kasina jsou speciální nabídky, které hrá?i mohou využít p?i hraní rulety v online kasinu. Tyto bonusy mohou zahrnovat bonusy za vklad, cashback, oto?ky zdarma nebo jiné zajímavé výhody pro
- [B7 casino gids: registratie, bonussen en uitbetalingen](https://www.wife.org/b7-casino-gids-registratie-bonussen-en-uitbetalingen-2.htm) - Dit is een praktische, stapsgewijze handleiding: registratie, verificatie, bonussen en betalingen – geen overbodige dingen.VereistenEen geldig e?mailadres en telefoonnummerEen kopie van uw identiteitsbewijs (paspoort, ID?kaart of rijbewijs)Bewijs van adres (bijvoorbeeld een recente nutsrekening)Minimaal 18 jaar oud (leeftijdsverificatie wordt uitgevoerd)Een betaalmethode die door het casino wordt ondersteund (iDEAL, creditcard, e?wallet)Een stabiele internetverbinding – het casino werkt
- [Vodnik po Grand Mondial casinoju: registracija, stavne zahteve in nasveti](https://www.wife.org/vodnik-po-grand-mondial-casinoju-registracija-stavne-zahteve-in-nasveti.htm) - Preden se registrirate na https://grandmondialcasino-si.com/, si vzemite pet minut za branje tega vodnika – lahko vam prihrani ?as in denar. V njem boste našli vse korake od registracije do izra?una stavnih zahtev, nasvete za varno igranje in rešitve pogostih težav.PrerequisitesStabilna internetna povezava in sodobna naprava (ra?unalnik, tablica ali pametni telefon).Veljaven elektronski naslov za registracijo in
- [Gaminator kazino bonusa izmantošana – soli pa solim ce?vedis](https://www.wife.org/gaminator-kazino-bonusa-izmantosana-soli-pa-solim-celvedis.htm) - Darb?bas uzs?kšana ar Gaminator bonus ir vienk?rša, ja zin?t so?us – šis ce?vedis j?s vad?s cauri katram no tiem.Kas jums nepieciešams vispirmsDer?ga e-pasta adrese un sp?c?ga parole.Personas dati: v?rds, uzv?rds, dzimšanas datums un adrese.Piekrišana noteikumiem un nosac?jumiem.Der?ga maks?juma metode (kred?tkarte, e-maks vai bankas p?rskait?jums).Viedt?lrunis vai dators ar interneta piesl?gumu.Identifik?cijas dokuments (KYC p?rbaudei).Re?istr?cija soli pa solimApmekl?jiet
- [Kako izkoristiti 1bet bonus: Vodnik po korakih](https://www.wife.org/kako-izkoristiti-1bet-bonus-vodnik-po-korakih.htm) - https://1bet-si.org/ izstopa na konkuren?nem trgu in ta vodnik po korakih natan?no pojasnjuje, kako ga kar najbolje izkoristiti. Ne glede na to, ali ste novinec ali izkušen igralec, boste tukaj našli vse potrebne informacije o registraciji, bonusih, pla?ilih in varnosti.Hitri kontrolni seznamPreverite, ali je spletno mesto optimizirano za mobilne naprave (PWA) – ni potrebe po namenski
- [B7 Casino Gids: Registratie, Bonussen en Uitbetalingen](https://www.wife.org/b7-casino-gids-registratie-bonussen-en-uitbetalingen.htm) - Dit is een praktische, stapsgewijze handleiding: registratie, verificatie, bonussen en betalingen — geen onzin.Wat je eerst nodig hebtEen geldig e-mailadres dat je regelmatig controleert.Een uniek wachtwoord van minimaal 12 tekens, met hoofdletters, cijfers en symbolen (bijv. B7#Wacht12!).Een telefoonnummer voor tweefactorauthenticatie (2FA).Een kopie van je identiteitsbewijs (paspoort, ID-kaart of rijbewijs) voor de KYC-verificatie.Een betrouwbare internetverbinding —
- [Prakti?ni vodi? za Betlabel: registracija, bonus in VIP program](https://www.wife.org/prakticni-vodic-za-betlabel-registracija-bonus-in-vip-program.htm) - Odprtje ra?una v spletni igralnici je hitro, vendar natan?no vedenje, kaj pri?akovati v vsakem koraku, prihrani ?as in frustracije. Ta vodi? vas bo popeljal skozi celoten postopek, od priprave do izkoriš?anja bonusov in VIP ugodnosti, z jasnimi izra?uni in nasveti.PripravaPreverite delovanje internetne povezave – stabilna povezava prepre?i prekinitve med registracijo.Pripravite osebne podatke: ime, priimek, naslov,
- [Guida completa a Bwin: registrazione, bonus e strategia di scommessa](https://www.wife.org/guida-completa-a-bwin-registrazione-bonus-e-strategia-di-scommessa.htm) - Prima di depositare in qualsiasi casinò online, prenditi cinque minuti per leggere questa checklist: copre i passaggi che la maggior parte dei giocatori salta.PrerequisitiDocumento d'identità valido (carta d'identità o passaporto) per la verifica KYC.Metodo di pagamento accettato: carta di credito, PayPal, Skrill, Neteller o bonifico.Indirizzo email attivo e numero di telefono.Connessione internet stabile.Età minima di
- [Bwin Slovenija: Kako pravilno opraviti prvi dvig in uporabiti promocijsko kodo](https://www.wife.org/bwin-slovenija-kako-pravilno-opraviti-prvi-dvig-in-uporabiti-promocijsko-kodo.htm) - Pravilno izveden prvi dvig je pravi preizkus vsake iGaming platforme – ta priro?nik vam pokaže, kako ga uspešno opraviti. V nadaljevanju boste izvedeli, kako se registrirati pri bwin Slovenija, uporabiti promocijsko kodo in kar najbolje izkoristiti bwin app za mobilne naprave. Getting Ready Preverite, da ste stari vsaj 18 let. Pripravite osebni dokument (osebna izkaznica
- [GambleZen: komplett guide til registrering, bonus og rabattkoder](https://www.wife.org/gamblezen-komplett-guide-til-registrering-bonus-og-rabattkoder.htm) - Getting started with https://gamblezen-no.org/ is straightforward once you know the steps — this guide walks you through each one. Enten du er ny innen nettcasino eller en erfaren spiller, finner du alt du trenger for å komme i gang raskt og trygt.Quick ChecklistHa en gyldig e-postadresse og et mobilnummer klart.Forbered et legitimasjonsdokument (pass eller førerkort)
- [GgBet guide: Innlogging, spill og bonusmatematikk](https://www.wife.org/ggbet-guide-innlogging-spill-og-bonusmatematikk.htm) - Å komme i gang med https://ggbet-no.eu.com/ er enkelt når du vet trinnene — denne guiden går gjennom hvert enkelt. Enten du er ny på nettcasino eller erfaren spiller, finner du alt du trenger for en problemfri opplevelse.Getting ReadyEn stabil internettforbindelse (minst 5 Mbit/s) for jevn strømming og spill.Oppdatert nettleser (Chrome, Firefox, Safari) eller en mobilenhet
- [Guida pratica al bonus bet365: come ottenere il massimo](https://www.wife.org/guida-pratica-al-bonus-bet365-come-ottenere-il-massimo.htm) - Prima di registrarti su Bonus bet365, prendi cinque minuti per leggere questa guida: potrebbe farti risparmiare tempo e denaro. L'offerta promozionale di bet365 è tra le più apprezzate in Italia, ma per sfruttarla al meglio devi conoscere ogni dettaglio. In questo articolo ti spieghiamo i passi fondamentali, dalla preparazione alla registrazione, fino ai consigli per
- [Fonbet kazino re?istr?cija un bonusa apr??ins: praktisks ce?vedis](https://www.wife.org/fonbet-kazino-registracija-un-bonusa-aprekins-praktisks-celvedis.htm) - Konta izveide tiešsaistes kazino ir ?tra, ta?u zin?t, ko sagaid?t katr? sol?, ietaupa laiku un nov?rš neapmierin?t?bu. Šaj? ce?ved? apskat?sim, k? re?istr?ties Fonbet, izmantot laipnas bonusus un lejupiel?d?t mobilo lietotni. ?tr? p?rbaude P?rliecinieties, ka esat 18+ un dz?vojat at?aut? jurisdikcij?. Sagatavojiet der?gu personu apliecinošu dokumentu (ID, pase). P?rbaudiet, vai j?su ier?ce atbalsta PWA vai mobilo
- [Vodi? za registracijo v igralnici – korak za korakom](https://www.wife.org/vodic-za-registracijo-v-igralnici-korak-za-korakom.htm) - Nastavitev ra?una v spletni igralnici je hitra, vendar vam natan?no vedenje, kaj pri?akovati na vsakem koraku, prihrani ?as in frustracije.Kaj potrebujete najprejVeljaven elektronski naslovMo?no geslo (vsaj 8 znakov, kombinacija ?rk, številk in simbolov)Osebne podatke: ime, priimek, datum rojstva, naslovNa?in pla?ila (kreditna kartica, e-denarnica ali ban?no nakazilo)Telefonsko številko (za dodatno potrditev)Identifikacijski dokument (osebna izkaznica ali potni
- [Hitnspin Casino Leitfaden – Anmeldung, Bonusrechnung & Insider-Tipps](https://www.wife.org/hitnspin-casino-leitfaden-anmeldung-bonusrechnung-insider-tipps.htm) - Many players have questions about Hitnspin Deutschland before they deposit their first euro — here are the honest answers.Quick ChecklistVerfügbarkeit prüfen: Das Casino ist in Deutschland legal lizenziert.Bonusbedingungen lesen: Umsatzanforderungen und Spielgewichtung beachten.Zahlungsmethode wählen: Von PayPal bis Kryptowährungen – alle Optionen sind gebührenfrei.Verifizierung vorbereiten: Personalausweis und Adressnachweis bereithalten.Einzahlungslimits setzen: Verantwortungsvolles Spielen aktivieren.Step-by-Step Sign-UpRufen Sie die
- [Captain Cooks online casino – piln?ga re?istr?cijas un likmju apr??ina rokasgr?mata](https://www.wife.org/captain-cooks-online-casino-pilniga-registracijas-un-likmju-aprekina-rokasgramata.htm) - Liel?k? da?a iGaming ce?vežu ir neskaidri. Šis nav – katrs solis ir konkr?ts, praktiski izpild?ms un balst?ts uz to, k? platforma paties?b? darbojas.Kas jums nepieciešamsDer?ga e-pasta adrese un mobil? t?lru?a numursPersonu apliecinošs dokuments (ID vai pase) verifik?cijaiMaks?jumu karte vai e-maka kontsStabils interneta savienojumsIer?ce ar modernu p?rl?kprogrammu (ieteicams Chrome, Firefox, Safari)Vecums vismaz 18 gadi (vai 21,
- [Bc. game casino: komplett guide for nye spillere](https://www.wife.org/bc-game-casino-komplett-guide-for-nye-spillere.htm) - Online casinos varierer mye i kvalitet — denne guiden skjærer gjennom støyen og dekker kun det som faktisk betyr noe for en smidig opplevelse. Enten du er ny eller har prøvd andre plattformer, får du her en praktisk gjennomgang av det viktigste.ForutsetningerStabil internettforbindelseGyldig e-postadresseDu må være minst 18 årIdentifikasjonsdokument klart for verifiseringOpprette kontoGå til Bc.
- [Sprievodca prihlásením do Ifortuny: Rýchle a bezpe?né kroky](https://www.wife.org/sprievodca-prihlasenim-do-ifortuny-rychle-a-bezpecne-kroky.htm) - Za?a? s Ifortuna prihlasenie je jednoduché, ke? poznáte kroky – táto príru?ka vás prevedie každým z nich.Getting ReadyPred samotným prihlásením si pripravte tieto náležitosti:Funk?ný e?mail a prístup k nemu.Telefónne ?íslo pre overenie (SMS kód).Osobné doklady (ob?iansky preukaz alebo pas) – neskôr pri overení ú?tu.Zariadenie s pripojením na internet – odporú?ame používa? moderný prehliada?.Ak plánujete hra?
- [Celsius Casino: Steg-for-steg guide for norske spillere](https://www.wife.org/celsius-casino-steg-for-steg-guide-for-norske-spillere.htm) - De fleste iGaming-guider er vage. Denne er ikke det – hvert steg her er spesifikt, handlingsrettet og basert på hvordan plattformen faktisk fungerer. Enten du er ny eller erfaren, får du konkrete instruksjoner for registrering, beregning av omsetningskrav, sikkerhet og økonomi.What You Need FirstGyldig e-postadresse – bruk en du har tilgang til, da bekreftelse sendes
- [Cazimbo Casino Anmeldung: Schritt-für-Schritt-Anleitung mit Bonusrechnung](https://www.wife.org/cazimbo-casino-anmeldung-schritt-fur-schritt-anleitung-mit-bonusrechnung.htm) - Most iGaming guides are vague. This one is not — every step here is specific, actionable, and based on how the platform actually works. Wir zeigen Ihnen, wie Sie sich beim Cazimbo-Kasino registrieren, Ihren Bonus berechnen und häufige Probleme lösen – mit echten Formeln und praktischen Tipps.VoraussetzungenMindestalter 18 Jahre (Nachweis per KYC erforderlich)Gültige E?Mail-Adresse und
- [Guía completa de Retabet: cómo jugar, calcular apuestas y retirar ganancias](https://www.wife.org/guia-completa-de-retabet-como-jugar-calcular-apuestas-y-retirar-ganancias.htm) - Muchos jugadores tienen preguntas sobre Apuestas retabet antes de depositar su primer euro — aquí están las respuestas honestas. Qué necesitas primero Documentación de identidad (DNI, pasaporte o carné de conducir) para verificar tu cuenta. Dirección de correo electrónico válida y número de teléfono móvil. Método de pago disponible: tarjeta bancaria, transferencia, monedero electrónico o
- [Poradnik dla graczy Stake: od rejestracji do pierwszej wyp?aty](https://www.wife.org/poradnik-dla-graczy-stake-od-rejestracji-do-pierwszej-wyplaty.htm) - Pierwsza udana wyp?ata to prawdziwy test ka?dej platformy iGaming – ten przewodnik poka?e Ci, jak go zda?. Niezale?nie od tego, czy jeste? nowicjuszem, czy do?wiadczonym graczem, znajdziesz tu praktyczne wskazówki dotycz?ce rejestracji, depozytów, bonusów i bezpiecze?stwa. Dzi?ki szczegó?owym przyk?adom matematycznym zrozumiesz mechanik? obrotu, a nasze porady pomog? Ci unikn?? typowych b??dów.What You Need FirstStabilne po??czenie
- [Casino 500 bonus: komplett guide til registrering og uttak](https://www.wife.org/casino-500-bonus-komplett-guide-til-registrering-og-uttak.htm) - If you are looking for a reliable guide to 500 casino, this article covers everything from registration to your first withdrawal.ForutsetningerDu må være minst 18 år (eller den lovlige alderen i ditt land) for å opprette en konto.En gyldig e-postadresse og et telefonnummer er nødvendig for verifisering.Du bør ha et personnummer eller ID-dokument klart for
- [Bc.game casino: prakti?en vodnik za za?etnike in izkušene igralce](https://www.wife.org/bc-game-casino-prakticen-vodnik-za-zacetnike-in-izkusene-igralce.htm) - Spletne igralnice se po kakovosti mo?no razlikujejo – ta vodnik preseka hrup in zajema le tisto, kar je dejansko pomembno za gladko izkušnjo. Ko obiš?ete Bc. game, boste našli širok nabor iger in ugodnih bonusov, vendar je klju?nega pomena, da vnaprej poznate vse korake in pogoje.PripravaPreverite internetno povezavo – stabilna povezava prepre?uje prekinitve med igranjem.Pripravite
- [Coolbet Casino-guide: Sjekkliste, bonuskoder og tips](https://www.wife.org/coolbet-casino-guide-sjekkliste-bonuskoder-og-tips.htm) - Før du setter inn penger på et nettcasino, ta fem minutter til å lese denne sjekklisten – den dekker stegene de fleste spillere hopper over. Denne guiden tar for seg alt du trenger å vite om Coolbet Casino, fra registrering til uttak, og inkluderer en detaljert gjennomgang av hvordan wagering fungerer. Getting Ready Sjekk at
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- [Go International with Your Investments?](https://www.wife.org/should-you-go-international-with-your-investments.htm) - Talk to any financial advisor, read any financial advice book, or watch any financial guru on television, and you’ll hear the same word chanted over and over – “Diversify!” You may think that diversifying your investments means just making sure to put some of your money into stocks, bonds, and cash, but there’s a greater
- [Should You Pay Off Your House After You Retire?](https://www.wife.org/pay-off-your-house-after-retirement.htm) - The day you turn 59 and a half, your 401(k), IRA, or Roth IRA become open for business in most circumstances. (Note: You may not be able to fully access a 401(k) plan from a company if you are still working.) You can now withdraw as much as you like and start living your retirement
- [A Bad Marriage May Literally Be Breaking Your Heart](https://www.wife.org/a-bad-marriage-may-literally-be-breaking-your-heart.htm) - Every year, Valentine’s Day, along with its epic run-up of love-soaked commercials and ads, is dreaded by singles everywhere. But what if you are struggling in an unhappy or even abusive marriage? You may feel like a bad marriage is breaking your heart, especially as Valentine’s Day approaches…and you might be right! Bad Marriage…Bad Heart
- [Does Money Harmony Equal Marriage Harmony?](https://www.wife.org/money-harmony-and-marriage.htm) - With romance in the air, what couple could imagine that they would ever fight about money? Yet disagreements over money are a couple’s most common source of conflict. Finance is as fundamental to married life as the birds and the bees—but nothing can be more damaging to marital bliss. What’s a couple to do? Check
- [How to Retire on Time for Female Freelancers, Entrepreneurs, and the Self-Employed](https://www.wife.org/money_retirement_selfemployed.htm) - Women all across the country are starting their own business or joining the “gig economy” as freelance graphic designers, photographers, or even Uber drivers. According to the U.S. Bureau of Labor Statistics, just over 10% of all U.S. workers are self-employed. Women make good entrepreneurs because they are able to juggle lots of tasks and respond to
- [More Senior Citizens Are Working Past Retirement Age](https://www.wife.org/more-senior-citizens-are-working-past-retirement-age.htm) - When you think of “the working poor,” you might imagine a single mother just scraping by to put food on the table for her kids. It’s time to broaden that image. Give that single mother some gray hair and add a few wrinkles. An article written by Alana Semuels and published in the Atlantic paints
- [Can You Afford to Care for Your Parents?](https://www.wife.org/can-you-afford-to-care-for-your-parents.htm) - A lot of young couples face the daunting prospect of how to afford care for their young children. In many instances, child care is so expensive that it makes more financial sense for one parent to stay home. This decision has a profound impact on the couple’s finances and the stay-at-home parent's future job prospects.
- [How to Get Divorced If I’m Broke?](https://www.wife.org/how-to-get-divorced-if-im-broke.htm) - Let’s state the obvious. Even when you’re in a financially stable position, divorce is incredibly stressful. Now, what happens if you want (or need) a divorce but your bank account is depressingly empty? What happens if you want to get a divorce, but you’re broke? Too often, spouses, and especially women, decide to stay in
- [Divorce Mediation: An Alternative to High-Cost Litigation](https://www.wife.org/ss-mediation.htm) - My husband and I are discussing divorce, but we are both afraid that once we get involved in the legal system, it will be very costly and we will lose control of the process. Do you think that mediation would work for us? We asked Genell Greenberg, MSW, who is an experienced divorce mediator and
- [What Are I Bonds and Can They Protect Your Retirement Savings from Inflation?](https://www.wife.org/series-i-bonds-retirement-and-inflation.htm) - If you’re currently retired or approaching retirement, you’d probably prefer to protect your savings from risky investments. However, investments considered “safe” also tend to offer dismal returns. When inflation kicks into high gear, it can quickly eat away at the value of your retirement savings. Is there any way you can get the best of
- [How to Save Money with an Instant Pot](https://www.wife.org/how-to-save-money-with-an-instant-pot.htm) - You’ve probably noticed your grocery bills climbing recently. Buying food for yourself and your household can be expensive. You know what else is expensive? Your time. Research shows women spend two hours more per day doing chores than men. That includes cooking. Is there a way for you to save money on your food budget
- [The Joy of Creativity](https://www.wife.org/the-joy-of-creativity.htm) - “Creativity is the road to your imagination, and your imagination is the place of all possibility” -Dr. Barbara J. Fish Welcome to The Joy of Creativity – a place to quiet your mind, rest your soul and indulge in some creative self-care, tailored for women. From a quick and dirty, “I need to contain my
- [The Joy of Creativity: Setting an Intention](https://www.wife.org/setting-an-intention.htm) - You will need: 10 minutes of quiet time, paper, pen and any art materials of your choice. Quiet your mind. Close your eyes, and connect with your breath. Notice the gentle rising and falling of your chest. If your thoughts wander, no problem; keep coming back to your breath. Open your eyes and ask: What
- [The 10 Best Financial Games for Kids](https://www.wife.org/the-10-best-financial-games-for-kids.htm) - If you’ve struggled with money woes in the past, you probably want to protect your children from making similar financial mistakes. Or, at the very least, you want to send them into adulthood understanding the basics of money management. What are the best ways to teach kids about money? The answer might just be money
- [Getting Divorced? What Tax Filing Status Should You Use?](https://www.wife.org/getting-divorced-tax-filing-status.htm) - If you are in the middle of a divorce, it can be confusing to know what tax filing status to use. With that in mind, we’re re-posting this helpful article from last year, which breaks down all your different options. Even after the emotional turmoil of a divorce, life goes on, and so do taxes.
- [Preparing for Tax Time](https://www.wife.org/taxtalk-how2prepare.htm) - It's, that time of the year is here. I love new beginnings, but I sure don’t love dwelling on last year’s mess. Unfortunately, this time of year we all must sort through last year’s transactions so that we can render taxes unto Caesar (also known as Uncle Sam). Here are some tips for organizing your
- [Five Simple Tips That Will Help You Save Big on Taxes in Retirement](https://www.wife.org/minimizing-tax-burden-in-retirement.htm) - Most people think about taxes only in the spring. But if you are planning to retire in the near future, there are lots of things you should be doing right now to put in place a smart retirement tax strategy that can save you big bucks and help you achieve the retirement you want. If
- [Is a Home Equity Loan the Right Option?](https://www.wife.org/is-a-home-equity-loan-the-right-option.htm) - For many Americans, their home represents their biggest asset. When times get tough and you find yourself facing a big bill, you might be tempted to dip into your home’s equity to help get yourself out of trouble. This is, in essence, the purpose of a home equity loan. It is a second mortgage that
- [Things You Might Not Know About the Day of Love](https://www.wife.org/things-you-might-not-know-about-the-day-of-love.htm) - Love it or hate it, chances are you have a thing or two to learn about Valentine's Day, Here is some unexpected information about the holiday. 1. How Valentine’s Day began. Valentine’s Day probably originated as a combination of two Roman happenings. The first was Lupercalia, an ancient Roman festival celebrated each February 15, when
- [Ten Ways to Fall in Love With Valentine’s Day After a Divorce](https://www.wife.org/ten-ways-to-fall-in-love-with-valentines-day-after-a-divorce.htm) - During the early days of your courtship and marriage, Valentine’s Day may have been full of gorgeous red roses, glittering glasses of expensive wine, and ooey-gooey proclamations of love. Now, even the thought of Valentine’s Day may sting your already-hurting heart. If you’ve recently gotten divorced – even if it was definitely the right thing
- [Top Ten Low-Cost Tips for Cleaning and Changing Your Home After Divorce](https://www.wife.org/top-ten-low-cost-tips-cleaning-changing-home-divorce.htm) - If you are coming out of a rough divorce, then spring cleaning is the perfect time to physically and metaphorically scrub away all the lingering bad memories of your marriage. Rooms, objects, and even décor all have the ability to absorb meaning, emotions, and memories. Walking into your bedroom may remind you of the fights
- [Financial New Year's Resolutions](https://www.wife.org/resolutions.htm) - Resolve to have a more prosperous new year by creating good financial habits that will last a lifetime. Good financial habits are truly a gift to yourself that keeps on giving -- and they are much more fun than vowing not to eat another piece of chocolate cake! I Will Monitor My Spending Pick three
- [Pandemic or Not, You Can’t Predict Bubbles, So Stop Trying](https://www.wife.org/you-cant-predict-bubbles-so-stop-trying.htm) - If you believe the Chicken Littles running around, then Silicon Valley has been sitting on top of another huge tech bubble for the past couple of years. Surely it must pop soon. Likewise, Tesla’s stock is often the most shorted in the market, yet share prices for the electric car company continue to climb. Despite
- [Do I Have to Claim Child Support Income on My Taxes?](https://www.wife.org/claim-child-support-income-taxes.htm) - Question: Last year my divorce with my husband became final and he started paying me child support for our two daughters. I’m going back to school, and the child support and alimony make up a lot of the money I get (I also work part-time). This is the first year I’m filing my taxes as
- [How Women Can Survive and Thrive During Times of COVID?](https://www.wife.org/how-women-can-survive-and-thrive-during-covid.htm) - Let’s not mince words. COVID has been bad for the entire world, but it has been especially bad for women. So much so, that Victoria DeFrancesco Soto and Alejandra Y. Castillo writing for NBC News have termed it the “Shecession.” According to the Pew Research Center, 11.5 million women lost their jobs between Feb and
- [In Sickness, Health…and Debt? Are You Responsible for Your Spouse’s Debts?](https://www.wife.org/are-you-responsible-for-your-spouses-debts.htm) - When you join your life with another in marriage, you make the promise to share all the joys and challenges of the future together…but does that include debt? What if you are a diligent saver while your husband comes into the marriage with $50,000 in student loan debt? What if he dreams of starting his
- [Ten Easy (and Sometimes Odd) Ways to Make Extra Money on the Side](https://www.wife.org/ten-easy-and-sometimes-odd-ways-to-make-extra-money-on-the-side.htm) - A little extra money never hurt anyone, especially if you want to save up for a vacation, pay down your credit card debt, or catch up on your retirement savings. Of course, you could always grab a part-time job, but maybe you don’t have the time for a steady gig or you don’t want to
- [What Ben Franklin Can Teach You About the Power of Compound Interest](https://www.wife.org/a-penny-saved.htm) - Benjamin Franklin, one of our founding fathers, was a very savvy guy. He said that a penny saved is a penny earned, but he proved that it really can be worth millions. In his will, Franklin left the cities of Boston and Philadelphia 1,000 pounds each (the equivalent of $4,444). He asked that the funds
- [What Can You Do About Domestic Violence During the Pandemic?](https://www.wife.org/what-can-you-do-about-domestic-violence-during-a-pandemic.htm) - Unfortunately, domestic violence (also known as domestic abuse, relationship abuse, and intimate partner violence), is a reality for many women and even some men within their relationships and marriages. It is also a common factor in divorce. As much of the United States has gone into lockdown as a result of the coronavirus pandemic,
- [Planning for the Inevitable](https://www.wife.org/plan4inevitable.htm) - Ten topics to Discuss on "Contingency Day." And they lived happily ever after... or did they? It happens in fairy tales, but in real life, every marriage ends someday. Fifty percent of marriages end in divorce, and 35% end in widowhood, usually with the death of the husband. On average, women will be on their
- [Top Four New Year's Resolutions](https://www.wife.org/top-four-new-years-resolutions.htm) - Here are four top financial resolutions that will help you get on track in the new year. Follow these and by the end of the year you’ll be set for the future.
- [Get Your Financial Life In Order This Year](https://www.wife.org/get-financial-life-order-year.htm) - Is your financial life a little out of shape? Do you want to make it strong, fit, and healthy this year? This type of makeover doesn’t happen overnight, but you can get started right away. The start of a new year is always a good time to start new routines but anytime is the "right"
- [Getting Into Shape for the New Year](https://www.wife.org/morey002.htm) - Glancing at holiday photos, you can’t believe you look so fat in your holiday outfit. The skirt that won’t button and the uncomfortably tight jeans may push you to a New Year’s resolution: This is the year you will join the health club. For years I scorned paying money to work-out when working kept me
- [Top Ten Ways to Have a Truly Happy New Year](https://www.wife.org/10wayshappynewyear.htm) - "We are what we repeatedly do. Excellence is not an act, but a habit." --Aristotle Make this New Year a great year by living your life well every day. By incorporating these good habits into your life moment by moment, you will have a wonderful year to celebrate. Slow down Take time in each moment
- [New Year's Affirmations](https://www.wife.org/features-savvy-newyear-affirmations.htm) - New Year’s resolutions have a well-deserved reputation for failure. Instead of making resolutions, why not consider a New Year’s Affirmation this year? By repeating a positive affirmation over and over, you internalize your goal, and train your subconscious mind to transmute those thoughts into actualities. If you believe it, you can achieve it – it’s
- [Don’t Overlook Your Spouse’s Retirement Plan During a Divorce – Understanding the QDRO](https://www.wife.org/dont-overlook-your-spouses-retirement-plan-during-a-divorce-understanding-the-qdro.htm) - Divorces are complicated, and it’s easy to focus on making sure you get a piece of big assets, like the house, your investment accounts, and the vehicles. Don’t overlook the retirement accounts! Retirement accounts can represent a huge asset, but many spouses don’t think about them, especially if retirement is 10 or 20 years away.
- [Barbara Huson](https://www.wife.org/barbara-huson.htm) - Barbara Huson, a long-time friend of WIFE.org, is a leading authority on wealth building. For over 20 years, Barbara has been empowering people to take charge of their money and, in turn, take charge of their life, to help them create the wealth they desire and the life they deserve. Click here to find out
- [What to Do If You Find Out that Your Spouse Hid Money From You During Your Divorce](https://www.wife.org/find-husband-hid-money-divorce.htm) - Many divorces are downright nasty, especially if a lot of money is on the line. A high-earning spouse isn’t exactly happy to hand over his assets to his soon-to-be ex, especially if they live in a Community Property State that requires couples to equally split their marital estate. Hiding assets during a divorce is more
- [A Guide to Health Insurance After Divorce](https://www.wife.org/a-guide-to-health-insurance-after-divorce.htm) - Here’s How to Find and Get Health Insurance After Your Divorce So many things change during a divorce that it can be difficult to keep track of it all. One important thing you can’t afford to let fall through the cracks is your health insurance coverage. If you are listed as a dependent on your
- [How to Negotiate for Your Children’s College Costs During a Divorce](https://www.wife.org/negotiate-childrens-college-costs-divorce.htm) - We love this guest article, written by Dr. Shokohi. It provides loads of important information for parents who are preparing for a divorce. College costs are always a difficult (and scary topic), but financial planning for college can become even more complicated once you are divorced. Who is going to pay when the big
- [San Diego U-T: Divorce workshop offers needed advice](https://www.wife.org/san-diego-u-t-divorce-workshop-offers-needed-advice.htm) - Maybe it has something to do with the icy winds blowing about, but I’ve sometimes heard that January is one of the busiest months of the year for divorce lawyers. The holidays are over; the mood is more solemn; and perhaps people are thinking it’s time to finally take action on something they’ve been putting
- [The Truth Behind Five Life Insurance Myths](https://www.wife.org/truth-behind-five-life-insurance-myths.htm) - Life insurance is one of the most common types of insurance that people buy. According to the Insurance Information Institute, 62% of Americans had at least some life insurance coverage in 2013. (That’s a big drop from the 78% of Americans who had life insurance in 2004!) Yet life insurance is also one of the
- [Mortgage Troubles:  Options to consider](https://www.wife.org/mortgage-troubles.htm) - Foreclosure proceedings threatened over two million Americans last year, and almost 900,000 homes were repossessed in 2008. If you are having trouble paying your mortgage, here are seven options to consider, courtesy of Bills.com. 1. Determine if you Qualify for Hope for Homeowners HUD’s Hope for Homeowners program may be able to help you refinance
- [Maintaining Your Health Insurance After Divorce](https://www.wife.org/lowenstein.htm) - Your health is the most important asset you have, and health insurance coverage is a close second. If your health insurance is through your spouse’s employer, once the divorce is final you will need to obtain health insurance for yourself. It is very important that there is no gap in coverage, so you must deal
- [Is Retirement As We Know It Over?](https://www.wife.org/is-retirement-as-we-know-it-over.htm) - Is retirement truly dead? Perhaps not, but it seems increasingly out of reach for the middle and lower classes. Once upon a time, an entire generation was able to count on the retirement golden trifecta: pensions, social security, and savings to see them through the twilight years of their lives. These days, with pensions on
- [Your Divorce Document Checklist](https://www.wife.org/divorce-document-checklist.htm) - All the Documents You Need to Prepare for Your Divorce One of the primary purposes of your divorce settlement is to divide your marital property between yourself and your spouse in a way that is fair and equitable. (Hopefully, you and your spouse can come to an agreement on what is fair and equitable through
- [0 Test Post](https://www.wife.org/0-test-post.htm) - Hello
- [Justice for Jenny](https://www.wife.org/justice-for-jenny.htm) - WIFE.org is humbled and honored to consider The Justice For Jenny Foundation a friend of WIFE.org and Second Saturday Divorce Workshops. The Justice for Jenny Foundation raises awareness about domestic violence as a means towards prevention, and campaigns to end the cycle of violence that plagues generations. Through partnerships with other like-minded charitable and educational
- [These Five Super Easy Steps Are All You Need to Create a Budget](https://www.wife.org/budgetbonanzas.htm) - Every money guide you’ve ever read tells you to create a budget, so why haven’t you done it yet? Most people think that budgeting is too much work. Not true! Here are five super easy tips to help you easily create a budget that will save you money. 1. Let Software Do All the Heavy
- [Can I Go After My Husband’s Stock Options and RSUs in a Divorce?](https://www.wife.org/can-go-husbands-stock-options-rsus-divorce.htm) - In the past, stock options were primarily an award for a company’s top management team. In the past few decades, however, stock options and RSUs (Restricted Stock Units) have become a much more common employee incentive, and the National Center for Employee Ownership estimates that “since the late1980s, the number of people holding stock options
- [Stick to These Five Money Truths No Matter What Happens in Washington](https://www.wife.org/stick-to-these-five-money-truths-no-matter-what-happens-in-washington.htm) - Washington is a chaotic place these days, and a lot of political promises are throwing pundits into a tizzy (though, to be fair, they’re kind of always in a tizzy). Big new bills are being alternately praised by one political party as “needed change,” while the other party cries “major disruption.” While it may seem
- [Seven Simple Secrets to Transform Your Financial Life](https://www.wife.org/seven-simple-secrets-transform-financial-life.htm) - It’s never too late to transform your financial life. We wrote this article several years ago, but the advice is just as good today as it was back then, so we’re re-posting it. If you didn’t read it the first time it came along, or if you weren’t ready to implement this simple-yet-amazingly-effective advice, now
- [Which Debt Should You Pay Off First?](https://www.wife.org/which-debt-should-you-pay-off-first.htm) - If you’re working to pay off debt, then congratulations for being an awesome, financially empowered woman! Maybe you’ve just gotten a promotion or have come into a little bit of extra money from a bonus, a tax return, or from selling that extra table that you’ve always hated. You want to use some or all
- [Discover Your Money Style and Face Your Money Weaknesses](https://www.wife.org/discover-your-money-style-and-face-your-money-weaknesses.htm) - You’ve probably heard endless experts tell you how to create a budget, save for retirement, and finally pay down your credit card debt. It seems like everyone has a surefire secret plan that will change your finances forever. What most of the experts miss, however, is that a person’s money troubles aren’t just about failing
- [Mr. Grinch Meets Mr. Claus](https://www.wife.org/mr-grinch-meets-mr-claus.htm) - It’s been more than 50 years since Dr. Seuss penned the beloved tale about that mean-spirited, cranky pessimist—the Grinch, a bitter creature with a heart two sizes too small. From his high mountaintop home near Whoville, he hears the happy Christmas festivities of the Whos. Envious, he steals their Christmas presents and decorations to prevent
- [A Christmas Wish From Long Ago](https://www.wife.org/christmas-wish-long-ago.htm) - In the spring of this year my mother passed away. As my first Christmas without her approaches, I remember a Christmas story that she once told me. In 1934, my mother was eight years old, and she wanted only one thing for Christmas – a Shirley Temple doll. Shirley Temple was the most popular movie
- [Here are Five Big-Ticket Items You Shouldn’t Buy During the Holidays.](https://www.wife.org/dont-buy-during-holidays.htm) - Think You Get The Best Deals During The Holidays? Think Again! It’s holiday season, a time of carols, decorations, and cut-rate deals. Black Friday is infamous for the deep discounts retailers are willing to offer to entice holiday shoppers through their doors. These deals may be tempting, but savvy shoppers can save even more on
- [It’s Time to Start Saving for the Holidays](https://www.wife.org/time-start-saving-holidays.htm) - Hear those sleigh bells ringing? Nope, neither do we, and that’s the point! The holidays may feel like a long way off, but that’s exactly why you should start saving for them right now. Every year, the vast majority of us refuse to remember how expensive the holidays are until right around November when we look
- [Seven Tips to Help You Afford the Holidays](https://www.wife.org/holiday-money-tips.htm) - The holiday season is fast approaching. Just as it’s easy to overeat during the holidays, it’s easy to overspend, especially if you buy on credit. Research shows that people spend about 15 percent more on purchases paid with a credit card. (So easy when you can just swipe and forget about a purchase.) To help
- [Six Signs That It’s Time to Sell That Stock](https://www.wife.org/six-signs-that-its-time-to-sell-that-stock.htm) - Whether one of your stock purchases is flying high or plummeting downward, it can be tricky to decide when to sell a stock. Is your high riser about to implode? Should you stick with your spiraling stock in the hopes that it will rebound? Here are six signs that it’s time to cut the cord
- [Financial Calculators](https://www.wife.org/facts-financialcalculator.htm) - Financial Calculators from BankRate.com for Mortgage, Auto, Credit Card, Home Equity, Investment, Retirement, Personal Finance, Saving, and Taxes.
- [A Man Is Not A Financial Plan](https://www.wife.org/man-not-financial-plan.htm) - I've said it many times and I'll say it again: A Man Is Not A Financial Plan® -- Ginita Wall Many of the young women of the millennial generation fully expect to go to college and develop their own careers regardless of whether they get married and have children. In fact, the growing expectation of
- [401(k) Plans Explained](https://www.wife.org/foreman-004.htm) - Gary Foreman is the publisher of The Dollar Stretcher.com. Hi Gary, My uncle is very upset because he doesn't understand how his 401(k) works. He thinks they are trying to tell him what he can do with his retirement money and so forth. I don't know how to explain the basic point behind a 401(k)
- [Surfing To A New Career: Beyond a Job](https://www.wife.org/kemp.htm) - Creating a successful career takes careful research and planning, and the Internet is a great place to start. By following links from these sites, you will find information on job listings, resume preparation, and recruitment firms, but little about planning a career. Here are a few sites that address work issues with a broader perspective:
- [The Crucial and Life-Affirming Process of Estate Planning](https://www.wife.org/estate-planning-especially-women.htm) - Everyone who’ll be leaving this world needs an estate plan, and they probably need financial planning while they are here. Women in particular should pay attention to this crucial and life-affirming process. Regardless of marital status or net worth, women need to make decisions and arrangements today in order to protect themselves, their spouses and
- [How to Afford a Major Medical Expense If You Don’t Have Health Insurance](https://www.wife.org/how-to-afford-a-major-medical-expense-if-you-dont-have-health-insurance.htm) - Let’s just cut to the chase. The health insurance landscape is a mess. Many Americans still don't have health insurance and find themselves facing financial ruin when facing an unexpected medical event in their lives. For Americans who don’t receive healthcare coverage through work or for the many Americans who are self-employed, health insurance may
- [Uncontested, Online Divorce Made Easy](https://www.wife.org/its-over-easy.htm) - Are you looking for an easy way to file and manage an uncontested divorce? Are you looking for a way forward that involves no lawyers, no court visits and no hassle? Look no further! it’s over easy® is the online divorce solution that guides you through every aspect of your case. Traditional divorce can be
- [Are You a Solopreneur Looking to Buy a Home? Here’s What You Need to Know](https://www.wife.org/are-you-a-solopreneur-looking-to-buy-a-home-heres-what-you-need-to-know.htm) - Being self-employed has its downsides and its benefits. Downsides include no paid vacation or holidays and the never-ending need to continually find customers. Benefits include an ability to set your own hours, no limits on your income, and lots of potential business deductions. These deductions can help you save lots of money on your taxes,
- [Can You Do Your Own Divorce?](https://www.wife.org/ss-selfdivorce.htm) - Question My husband and I are talking about getting a divorce after six years of marriage. We don’t have any children, and he thinks we can do it ourselves. What do you think? Answer Doing your own divorce makes can make sense and save you money in certain circumstance. For example, if your divorce meets
- [Should You File for Bankruptcy?](https://www.wife.org/is-bankruptcy-the-answer.htm) - Sometimes money woes can seem simply overwhelming. Maybe you have so much debt that you simply cannot imagine any feasible way of climbing out of that hole. In these situations, bankruptcy may seem like the only option left. Is it really your best solution? While bankruptcy can help you discharge some (though not all!) of
- [Five Ways to Protect Your Finances When You Move in Together](https://www.wife.org/five-ways-to-protect-your-finances-when-you-move-in-together.htm) - Back in the day, it was scandalous for couples to live together before they walked down the aisle. These days, living together before marriage, or deciding not to get married at all is the new normal. According to the National Center for Family and Marriage Research, 66% of women cohabitate with their partner before getting
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- [Thinking of a Divorce? Make Sure You Can Access Cash!](https://www.wife.org/thinking-of-a-divorce-make-sure-you-can-access-cash.htm) - You can’t predict how your spouse will react when you announce that you want a divorce. If your spouse is in charge of your family’s finances or has access to joint accounts, you could find yourself suddenly cut off from your money! Do not put yourself in a position where you will need to rely
- [What Divorce After 50 Means For Your Retirement](https://www.wife.org/what-divorce-after-50-means-for-your-retirement.htm) - The National Center for Family and Marriage Released a surprising study that showed divorce rates between adults 50 and older doubled between 1990 and 2010. Now, 1 in 4 divorces in the United States is between couples over 50. On some level, this is good news. It means that the lower stigma of divorce has
- [Five Tips on How to Save Money on Car Costs](https://www.wife.org/five-tips-on-how-to-save-money-on-car-costs.htm) - Cars offer us freedom. They get us to work so that we can earn money, but they also cost us money. According to AAA, the average person who drives 15,000 miles a year will shell out $8,469 a year just for the pleasure of owning a car. That adds up to $706 a month. For
- [Will You Have to Pay Alimony to Your Ex-Husband?](https://www.wife.org/will-pay-alimony-ex-husband.htm) - Think that you might be on the hook for alimony or spousal support after your divorce? The new tax bill that was signed into law at the end of 2017 states that the spouse paying alimony won’t get a tax deduction for the payments. This change applies to all support agreements made after December 31st,
- [The Index Card Proves That Personal Finance Can Be Simple](https://www.wife.org/the-index-card-proves-that-personal-finance-can-be-simple.htm) - Your whole life, you’ve probably been told that managing your finances was complicated. Maybe your parents didn’t come right out and say it, but the message our society feeds us about money is loud and clear – it’s confusing! Why else would entire channels, like CNN Money and Fox Business be devoted to it? Why
- [Small Steps to Financial Freedom](https://www.wife.org/try-some-of-these-small-steps.htm) - What Will You Do Today? Sometimes we think that we have to make major changes in our lives to get ourselves on track. But in reality, major changes are the result of a series of Small Steps. Here are some small steps you can use to get started on your journey Ask yourself the following
- [Can I Get a Piece of My Husband’s Military Pension After Divorce?](https://www.wife.org/military-pension-after-divorce.htm) - The U.S. military offers one of the best retirement systems in the world. After 20 years of service, a service member can retire and receive 50% of their base pay for the rest of their lives, with cost-of-living increases thrown in just for fun. If you are (or were) married to one of the estimated
- [Change Your Habits, Change Your Life](https://www.wife.org/change-your-habits.htm) - "Bad habits are easier to abandon today than tomorrow." --Yiddish Proverb Habits start out like cobwebs but end up as strong as steel cables. In his classic book, The 7 Habits of Highly Effective People, Stephen Covey describes the good habits that keep us on track in our life endeavors. In working with many successful investors, we’ve
- [This Is the Time of Your Life](https://www.wife.org/time-of-your-life.htm) - If you’re a woman who has reached mid-life a bit dazed and crazed by the passage of time, you are not alone. No one would disagree that women experience a dizzying array of life transitions. From getting a job to getting married to having children to being divorced or widowed, a woman needs strength and
- [Understanding Women Investors](https://www.wife.org/understanding-women-investors.htm) - Tips for Marketing to Women Provide consistent and regular communication. Make frequent telephone contact. That will show her that you are concerned about her and her financial well-being. Return her calls promptly. Visit her in her home or office. By going to her rather than always having her come to you, you will get to
- [These Ten Reasons Are Exactly Why You Need a Rainy-Day Fund](https://www.wife.org/ten-reason-you-need-a-rainy-day-fund.htm) - You’ve probably heard that over half of Americans don’t have $1,000 in savings. That’s truly scary because life throws all sorts of financial curve balls at us all the time. If you ever, ever, ever, ever (ever, ever) want to be financially independent, step one is to build a rainy-day fund. This is your safety
- [Help Wanted for Teens: How to Work the Job Market](https://www.wife.org/how-teens-can-beat-job-market-slump.htm) - The Help Wanted sign has practically disappeared for today’s teens. Too many young job seekers are likely to spend the summer on social media or watching TV instead of scooping ice cream or serving pizza. Some experts also blame higher minimum wage laws for squeezing out entry-level workers. Teens face competition from laid-off adults, seniors,
- [Finance 101 for New Graduates](https://www.wife.org/finance101-for-graduates.htm) - Graduation is a time for new beginnings. As you join the world of work, realize that you have a tremendous power to shape your financial future. That’s because you hold the greatest of all assets---time! The ability to set goals and know what needs to be done to reach them begins the exciting journey toward
- [Six Things You Need to Do If You Want to Buy a House Next Year – Part 2](https://www.wife.org/six-things-you-need-to-do-if-you-want-to-buy-a-house-next-year-part-2.htm) - So you want to buy a house next year. It’s going to take more than wishful thinking to convince a lender to fork out hundreds of thousands of dollars to you so you can make your dream of home ownership a reality. You’re going to have to show lenders that you are a financially responsible
- [Six Things You Need to Do If You Want to Buy a House Next Year – Part 1](https://www.wife.org/six-things-you-need-to-do-if-you-want-to-buy-a-house-next-year-part-1.htm) - Are you looking to become a homeowner sometime next year? Congratulations! This is a really big step, especially if this will be your first home. If you are like the vast majority of Americans, then you don’t have a couple hundred thousand dollars lying around in your savings account. That means you’ll need to convince
- [How to Close Down Joint Accounts During a Divorce](https://www.wife.org/close-joint-accounts-divorce.htm) - Separating your life from another person can seem like an endless journey requiring a million steps. Many articles focus on the big picture tasks related to divorce, but you also need to know about all the nitty-gritty things, too, like how to close down joint checking accounts. With that in mind, here are some things
- [KPBS San Diego: WIFE co-founders Ginita Wall and Candace Bahr](https://www.wife.org/kpbs-san-diego-wife-co-founders-ginita-wall-and-candace-bahr.htm) - Women's Financial Health ? KPBS Transcript Women and their Money_ Ginita Wall and Candace Bahr Appearance on KPBS San Diego Today a report by the California Budget Project and the Women's Foundation of California found women have not shared equally in California's ongoing economic recovery. Here with a snapshot on women's financial health are my
- [The Spending Strike](https://www.wife.org/the-spending-strike.htm) - Sarah Baker, a long-time member of WIFE, along with her husband and children, took on the challenge of a month-long spending strike. They paid their mortgage, utilities, and insurance but cut out all other spending. Keeping track of what they would have spent, the Bakers discovered they had saved nearly six hundred dollars that would
- [Love & Money: 25 Financial Tips for Couples](https://www.wife.org/love-money-25-financial-tips-for-couples.htm) - The way we earn, spend, and save money is a practical expression of our most fundamental beliefs. When our priorities are out of sync, money can become the great divide in an otherwise harmonious relationship. By working together toward financial freedom, money can cease being a source of conflict and become a way to express
- [Early Retirement at Age 50 Isn’t Impossible, but It Will Take Some Serious Work](https://www.wife.org/early-retirement-at-age-50-isnt-impossible-but-it-will-take-some-serious-work.htm) - Early retirement is the dream. Think about how amazing it would be to cut the straight jacket that is your crazy, stressful 9 – 5 job. Imagine what it would be like to hang out at the beach in the middle of the day, have the time to cycle instead of drive to the grocery
- [Net Worthy Taking a Hit?](https://www.wife.org/net-worthy-taking-a-hit.htm) - This month my Net Worthy took a hit, reminding me that this happens all the time to the best of us. The reasons don’t really matter; let’s just say I was triggered by something that opened some old wounds that I thought had been healed long ago. Surviving life’s wounds is something to be proud
- [Nurture Your "Net Worthy" in Nature](https://www.wife.org/nuture-your-net-worthy.htm) - Last month we talked about creating your “Spiritual Toolbox” – your personal arsenal of healthy actions and practices to choose from or combine when you feel challenged. Connecting with nature is a terrific, restorative practice and the foundation for any spiritual toolbox. With spring in the air, there is no better time to get outside
- [Twelve Tax Myths](https://www.wife.org/taxtalk-12taxmyths.htm) - It's what you think you know that really isn't true that can hurt you. A study by the American Institute of CPAs identified twelve misconceptions that taxpayers have about their income taxes. Myth #1 If you apply for an extension to file your taxes, you're more likely to be audited. Studies have never found any
- [Want to Save $70,000? Then Don’t Listen to Your Real Estate Agent!](https://www.wife.org/want-to-save-70000-then-dont-listen-to-your-real-estate-agent.htm) - You can’t blame your real estate agent. The bigger the house she can put you in, the higher her commission. When the bank comes back with your loan approval, you can bet that your agent will take one look at that number and try to find you every single house in that price range, but
- [Congratulations, You’re Pregnant! Here Are the First Five Money Moves New Moms Need to Make](https://www.wife.org/congratulations-you-are-pregnant.htm) - Wow, you are going to be a mother! How exciting, and perhaps slightly terrifying. If you’ve talked to other new parents, then you know that the miracle of life also has a way of turning into the miracle of the disappearing paycheck. Babies are wonderful…and expensive. That’s why it is so important to plan now,
- [How Much Do I Need to Save for a Divorce?](https://www.wife.org/how-much-do-i-need-to-save-for-a-divorce.htm) - For many women, the realization that their marriage is failing is a long, agonizing road. Oftentimes, a woman will know the truth in her heart for months before she builds up the courage to have that difficult conversation with her husband. If you are nearing that point, it is time to start planning for the
- [Your Spiritual Toolbox](https://www.wife.org/your-spiritual-toolbox.htm) - Having a solid net worthy begins with Self-Love, and this is a wonderful opportunity to put Self-Love into practice…something that women often forget to do. A great place to start is with my favorite question: “What do I need right now?” This is a life-changing question for many reasons. First, because asking it – and
- [Why you should start a money club with your friends](https://www.wife.org/why-you-should-start-a-money-club-with-your-friends.htm) - Ginger Dean faced credit card debt in college and financial uncertainty again more than a decade later when she got divorced. The reason she was able to overcome both of those financial setbacks, she says, is because of the supportive women around her. Dean, now in her mid-30s, founded Girls Just Wanna Have Funds, a group
- [How Understanding the Four Walls Strategy Can Keep You Afloat After a Divorce](https://www.wife.org/understanding-four-walls-strategy-can-keep-afloat-divorce.htm) - The biggest mistake women make when they decide to get divorced (and most divorces are instigated by women) is that they fail to plan for their post-divorce life. This is understandable. The decision to separate from a marriage is highly emotional, and it can be difficult to focus on practical questions, such as how you
- [Five Reasons to Take Out a Personal Loan](https://www.wife.org/five-reasons-to-take-out-a-personal-loan.htm) - You’ve heard of home loans, car loans, and student loans, but what if you need money to pay for other big expenses in your life? For everything else, you may be able to qualify for what is known as a “Personal Loan.” These are typically unsecured loans that you can apply for with certain online
- [Should I Keep the House After Divorce for the Sake of the Kids?](https://www.wife.org/should-i-keep-the-house-after-divorce-for-the-sake-of-the-kids.htm) - Getting a divorce might be the right thing to do, but it will have a big effect on your children’s lives, creating uncertainty and possibly triggering a range of negative reactions. To lower the trauma of family change, you may want to stay in your current home, especially if you have primary custody of the
- [Five Reasons Millennials Are Struggling to Get Ahead](https://www.wife.org/five-reasons-millennials-are-struggling-to-get-ahead.htm) - It’s Not the Avocado Toast Hating on the millennial generation has become a favorite pastime of many social commentators. We are vain. We are delicate little snowflakes. We want to save the world but are too busy taking selfies. We would rather stuff ourselves with insanely expensive avocado toast than actually save for retirement. Now,
- [Buying a Home is Way More Expensive Than You Think. Can You Really Afford it?](https://www.wife.org/buying-a-home-is-way-more-expensive-than-you-think-can-you-really-afford-it.htm) - Buying a home is a huge life accomplishment. It symbolizes success, security, and maturity. It can also serve as an important asset that grows in value over time. As the earliest millennials hit their 30s, start climbing the career ladder, and walk down the aisle, a whole new generation is beginning to dream of home
- [Five Questions You Need to Answer If You’re Thinking of Moving After You Retire](https://www.wife.org/niceplacetovisit.htm) - Many people decide to move when they retire to save money on living expenses, be closer to family, enjoy better weather, or to finally fulfill their dream of living in an exotic locale. But choosing where to live means more than deciding whether you prefer sand or trees. In fact, many people make their biggest retirement
- [Why You Should Educate Yourself About Divorce Before Taking the Plunge](https://www.wife.org/why-you-should-educate-yourself-about-divorce-before-taking-the-plunge.htm) - The decision to get a divorce will be one of the biggest and most consequential choices of your life. Your divorce will directly impact your finances, your quality of living, the lives of your children, and your own emotional health. Maybe you’ve already decided that a divorce is the right choice for you, or perhaps
- [How Alimony Is Taxed](https://www.wife.org/the-new-tax-bill-changes-how-alimony-is-taxed.htm) - The sweeping tax bill signed by President Trump in December 2017 includes major changes that are sure to affect every American when tax day arrives. For those considering a divorce, one provision in particular could mean thousands of dollars saved or lost each year. The Alimony Reversal According to the Census Bureau, roughly 243,000 people
- [Do Women Have to Pay Child Support to Their Husbands?](https://www.wife.org/do-women-have-to-pay-child-support-to-their-husbands.htm) - Question: My husband was downsized from his job six years ago. We’d been paying an arm and a leg for childcare for our two young children, so we made the decision that he would stay home and care for them full time. In the meantime, my career took off. That was great for our bank
- [How to Afford a Major Medical Expense If You Don’t Have Health Insurance](https://www.wife.org/affording-major-medical-expense-without-health-insurance.htm) - Let’s just cut to the chase. As of the writing of this article, the health insurance landscape is a mess. More and more Americans are losing coverage as insurance providers continue to pull out of markets across the country. For Americans who don’t receive healthcare coverage through work or for the many Americans who are
- [Estate Planning 101: Five Reasons to Put Your Money Into a Trust](https://www.wife.org/estate-planning-101-five-reasons-to-put-your-money-into-a-trust.htm) - A Super Fast Explanation of a Trust Think of a trust as a huge bank vault where you can park all of your money and assets. You can put your house into the vault, as well as your investment portfolio, business interests, your classic cars, even your jewelry. The trust is controlled by a “trustee.”
- [10 New Attitudes for Re-creating Your Life This Year](https://www.wife.org/tennewattitudes.htm) - Just as no one can tell you how to feel about a beautiful sunset, no one can tell you how to live your life. You are the artist...and must shape your experiences with your own hand. — Susan Staszewski As you, the artist, shape your future, here are 10 attitudes that can help you create
- [Three Ways Millennials Might Change Divorce Forever](https://www.wife.org/three-ways-millennials-might-change-divorce-forever.htm) - Here at WIFE, we write about divorce a lot. That’s because divorce is often the single most expensive life event a woman may experience. A divorce can change a woman’s financial trajectory dramatically, which often has negative consequences for her quality for life for years to come. With that in mind, we thought it would
- [How to Divorce-Proof Your Trust](https://www.wife.org/how-to-divorce-proof-your-trust.htm) - Trusts were once considered a tool that only the mega-rich used to shovel their huge piles of money into a safe place. These days, trusts are increasingly used by all sorts of people, including older couples who want to provide ongoing support for their children or business owners who appreciate a trust’s ability to protect
- [I Just Bought Disability Insurance -- You Should Consider It Too!](https://www.wife.org/i-just-bought-disability-insurance-and-you-should-consider-it-too.htm) - I’m more than a little fanatical about my health. I go to the gym, not out of some guilt-ridden obligation to work off the donuts I ate for breakfast, but because I legitimately love lifting heavy things, jumping on boxes, and feeling the burn. I drink almond milk. I own a juicer. If you were
- [How to Evaluate Your Husband’s Business During a Divorce](https://www.wife.org/how-to-evaluate-your-husbands-business-during-a-divorce.htm) - If your husband owns a business, you may have a right to a portion of that business’s value if you get divorced. The key question then becomes, how much is the business worth? This can be a very difficult question to answer. A business is more than just the value of its equipment and furniture.
- [Five Things You Need to Know About Filing Your Taxes After a Divorce](https://www.wife.org/five-things-need-know-filing-taxes-divorce.htm) - Tax season !!! (Anyone hear the Jaws theme suddenly start playing in the background?) If you are either in the process of getting divorced or got divorced last year, then you may be facing a totally different tax situation than you are used to. Take care! You don’t want to accidentally lose out on some big new deductions
- [Your 'Net Worthy'](https://www.wife.org/your-net-worthy.htm) - Welcome to “Your Net Worthy,” a WIFE.org blog that will share tips and tools to increase something equally if not more important as your net worth: it’s called your “net worthy.” ???? Net worth is defined as a snapshot of where you are at financially: what you would have in cash if you sold
- [Five Ways to Make Some Extra Cash During the Holiday Season](https://www.wife.org/five-ways-make-extra-cash-holiday-season.htm) - The holidays aren’t cheap, especially if you love buying lots of gifts for your kiddos and extended family or if you plan on traveling. Additionally, if your goal is to start the New Year on more solid financial footing, making a few extra bucks in the last months of the year can help you pay
- [Three Credit Card Tricks to Help During the Holidays](https://www.wife.org/three-credit-card-tricks-help-holidays.htm) - Want to hear the most obvious statement in the universe? Credit card companies want you to sign up for their credit cards. Yep, we said it was obvious. In fact, credit card companies want your business so bad, that they are often willing to shell out some nice rewards right out of the gate in
- [Is Your Credit Card Safe This Holiday Season?](https://www.wife.org/credit-card-safe-holiday-season.htm) - Every year now seems to be the “Year of the Data Breach.” In the past, we've seen massive breaches at Target (110 million customer records hacked), Neiman Marcus (1.1 customers compromised), Michaels (3 million customers compromised), Home Depot (as many as 56 million cards compromised) and many others, including smaller retailers. As you gear up
- [Elf Yourself](https://www.wife.org/elf-yourself.htm) - Elf Yourself by JibJab.com is a fun and entertaining way to design e-cards and videos of you and your loved ones. Here, you can customize your very own e-cards, birthday cards, Christmas cards, funny videos and so much more. Get ready with some good pictures of you and the favorite people in your life and get
- [Ten Ways to Save at Christmas Without Looking Like a Cheapskate](https://www.wife.org/ten-ways-to-save-at-christmas-without-looking-like-a-cheapskate.htm) - You don’t need to check your January credit card statements to know that Christmas always has a way of wreaking havoc on your finances. According to the American Research Group, the average American plans on spending $992 on Christmas gifts alone in 2018. That doesn’t even include holiday decorations, ugly sweaters, and all the food
- [Never Pay Interest on a Credit Card Again – Credit Card Balance Transfers](https://www.wife.org/credit-card-balance-transfers.htm) - Life happens, and life can be expensive. Maybe the radiator of your car blew out and you suddenly find yourself handing over your credit card to cover a $2,000 mechanic bill. Or you have to suddenly fly across the country for a week to take care of a sick parent. Or, perhaps you lost your
- [Understanding Social Security Survivor Benefits After Divorce](https://www.wife.org/understanding-social-security-survivor-benefits-after-divorce.htm) - Here at WIFE, we have written several articles about the huge Social Security benefits women can receive if they were married to their husbands for at least ten years before their divorce. When you reach retirement age, you are eligible to receive benefits equivalent to 50% of your ex-husband’s Social Security benefits if that amount
- [Second Saturday Workshops](https://www.wife.org/twenty-new-second-saturday-workshops.htm) - As of November 2018, there are over 100 Second Saturday Divorce workshops in progress or newly minted and rolling out for the New Year. That means that women across the country will have essential legal, emotional and financial information available to help them navigate one of the most difficult challenges they can ever face.
- [Why Your Friend’s Divorce Took Two Years](https://www.wife.org/why-your-friends-divorce-took-two-years.htm) - As hard as it is to admit, you know that your marriage is heading toward divorce. As the realization sets in, it’s time to start planning how to get through this thing and on to the next chapter of your life. You probably have tons of questions, such as how much is it going to
- [A Step-by-Step Guide to Preparing for Divorce](https://www.wife.org/a-step-by-step-guide-to-preparing-for-divorce.htm) - Your “I do” has turned into “I don’t.” When you walked down the aisle, you envisioned a life of permanent marital bliss, but reality has not been so kind. It is now time to end your marriage. You want a divorce, but how do you go about actually preparing for this huge life change? In
- [How Is Debt Divided in Divorce?](https://www.wife.org/what-to-do-about-debt-during-your-divorce.htm) - Debt is a reality for a large number of families in the United States. According to Nerd Wallet, the average American family is saddled with $137,063 in debt. With that in mind, we thought it would be useful to republish this article about how debt is treated in divorce. Did your husband just take out
- [Need Some Group Support for Money Issues?](https://www.wife.org/need-group-money-support.htm) - Empower Your Financial Transformation with Money Clubs™ If you’ve ever set a big goal for yourself, you know how much it can help when you announce the goal to your friends and family…or better yet, recruit them to participate with you. Saying your goal out loud makes it feel more real, and once your family
- [Here are Six Important Assets You Can’t Afford to Overlook During Your Divorce](https://www.wife.org/ss-overlookedassets.htm) - My husband and I have drawn up a list of what we own and we have tentatively agreed on how to split everything in our divorce. I’m afraid we might have missed listing something. Can you help? As a financial divorce consultant, I often review final property settlements to determine additional tax and financial considerations
- [5 Investing Resources For Women](https://www.wife.org/5-investing-resources-for-women.htm) - WIFE.org Co-Founder Candace Bahr was featured in an article by Bankrate You can read the complete article here. Women’s Equality Day is Aug. 26., but many women are still being paid less than men. The Institute for Women’s Policy Research (IWPR) reports that women are paid 80.5 cents on the dollar compared to men. The inequality is
- [Candace Bahr: InvestmentNews "Women To Watch"](https://www.wife.org/investmentnews-women-to-watch.htm) - WIFE.org and Second Saturday co-founder honored by InvestmentNews Candace Bahr, owner of Bahr Investment Group, an LPL Financial-affiliated firm in Carlsbad, Calif., has made a profound impact over her 35-year career not only on her clients, but also on thousands of women across the U.S. About 26 years ago, some of her divorced and widowed clients approached
- [SmartCoparent](https://www.wife.org/smartcoparent.htm) - SmartCoparent is re-imagining the way families, co-parents and professionals collaborate. Launched in 2018, SmartCoparent is the new full-featured co-parenting platform developed to instantly enable smarter collaboration and improve people’s lives. With SmartCoparent, individuals, families and professionals can automate child visitation schedules, expense sharing, documents sharing, messaging and support payments to reduce a wide range of
- [Patience is a Virtue](https://www.wife.org/features_bottomline_patience.htm) - Is the recent stock volatility in the market making your head spin? You’ve probably heard the comparison between the current stock market and a roller coaster ride. Both have a lot of sudden ups and downs that can make keeping your lunch down a chore. But ask yourself this question- when the roller coaster is
- [Partners in Love … and in the Boardroom](https://www.wife.org/parters-in-love-and-business.htm) - Can You and Your Spouse Cut it as Business Partners? When you married your spouse, you promised to create and share a life together, but does that mean you can also create and share a business? Many couples successfully helm a business together, but they also face many unique challenges. Below are a few important
- [How Your Credit Score Is Determined](https://www.wife.org/how-your-credit-score-is-determined.htm) - For something so important, it’s amazing how many women don’t know how their credit score is calculated. Your credit score could be the thing standing between you and that mortgage loan you need to buy your first home. It might tip the scale for or against you when you apply for your dream job. It
- [It’s Time to Change Your Money Habits](https://www.wife.org/its-time-to-change-your-money-habits.htm) - Here’s How to Do It Are you living from paycheck to paycheck? Do you hate the way your credit card debt keeps creeping up? Do you dream of buying your own home or a new car but don’t think you’ll ever have enough money? There are no magical solutions to suddenly getting out of debt,
- [The Benefits of Being Married Ten Years](https://www.wife.org/ss-benefits-married10years.htm) - My nine-year marriage has been rocky for quite some time, and my husband and I periodically talk about divorce. A friend told me I should stick it out a while longer since there are benefits to being married ten years or longer. What are those benefits?
- [Are You Entitled to Some of Your Husband’s Retirement Savings In Your Divorce?](https://www.wife.org/entitled-husbands-retirement-savings-divorce.htm) - Aside from your home, it is likely that the retirement accounts you and your husband hold make up a large portion of your shared assets. Divorce accounts, like 401(k) plans, IRAs, and pension funds come with a lot of rules and regulations, which makes them a little tricky to tackle in divorce. However, retirement accounts
- [Moving in With Your Sweetheart](https://www.wife.org/money_family_movinginwithyoursweetheart.htm) - Many couples are moving in together before they get married. Deciding to live together is a big step in any relationship. It generally means you're seriously thinking about commitment, but you want to do a little more investigating before taking the plunge. Though it can seem romantic to merge your finances as you merge your
- [To Prenup or Not To Prenup](https://www.wife.org/money_family_prenupornotprenup.htm) - A prenuptial agreement (or prenup) is often more important in a second marriage than in a first. Because of obligations to children, existing assets, and prior legal commitments, a written agreement assures that everyone's needs are clear and their financial interests protected. If your future spouse feels uncomfortable about the idea, reassure him that the
- [Are Women Bad Divorce Negotiators?](https://www.wife.org/women-bad-divorce-negotiators.htm) - When it comes to negotiation, women often get a bad rep as weak, insecure, and not confident. Most research on the topic of gender and negotiation deals with salary negotiation, where surveys do find that women are less likely to negotiate for a higher salary than their male counterparts. Do women really face a crisis
- [How Much Money Will You Need for Your Post-Divorce Life?](https://www.wife.org/much-money-will-need-post-divorce-life.htm) - Divorce can be emotionally freeing for women, but it can also be financially devastating. Women, far more than men, face a stark plummet in their standard of living after divorce. That is why, if you are considering divorce, you must start planning right now for your post-divorce life. One of the most important questions you’ll
- [A Budget Guide for Every Income: Infographic](https://www.wife.org/budget-guide-every-income-infographic.htm) - The people over at PartSelect.com have shared a great infographic on how to fatten up your piggy bank. Read their guide and get started on your own plan Source: PartSelect.com
- [Horses Mouth Webinar](https://www.wife.org/horses-mouth-webinar.htm)
- [What Our Parents Teach Us](https://www.wife.org/teachchildrenwell.htm) - When I was growing up, I remember hearing my parents discuss money. It wasn’t usually pleasant: my father loved to find bargains, while my mother’s nickname was "Mrs. Rockefeller" for the way she spent. Now that I am grown, it is difficult for me to feel neutral about money. I always have the struggle within
- [Money Talks ... Love Listens](https://www.wife.org/money-talks-love-listens.htm) - This month, as wedding bells ring for hordes of happy, hopeful newlyweds, my husband and I are celebrating our 29th anniversary. We’ve learned a lot over the years, and we wish all the new kids on the block as much happiness and good fortune as we’ve enjoyed. We especially wish them the will and wisdom
- [Five Ways to Safeguard Your New Baby's Financial Future](https://www.wife.org/safeguard-your-baby.htm) - Your beautiful new baby has arrived and you think you've got the safety thing under control. The house is childproofed, you've got the pediatrician's phone number posted on the fridge, and a brand new car seat sits in the back of your minivan. But physical safety is just part of the challenge. Unless you're Julia
- [When Should Your Teen Get Their First Credit Card?](https://www.wife.org/teen-get-first-credit-card.htm) - Your little baby is growing up. Now that she’s driving and started her first part-time job, is she ready to handle all of the privileges and risks associated with owning a credit card? Heck, is she even old enough? You may wonder when is the right time is for your teen to get his or
- [What Your Kids Can Learn from a Trip to the Beach](https://www.wife.org/teach-your-kids-at-the-beach.htm) - We create our lives each day by choosing what we focus on. But too often what we focus on doesn't advance our lives or accomplish our goals. We are too caught up in our daily living to even figure out our goals, never mind taking steps to accomplish them. Let us illustrate this with a
- [Save Money This Summer with a Staycation](https://www.wife.org/save-money-by-vacationing-at-home.htm) - Are your vacations so hectic that you need to get back to work to relax once you return? Are you still paying off your last vacation while booking your next one? Here’s a way to abandon the stressful vacation payment treadmill, and relax on the cheap this summer. Get away without going away Whenever my
- [The All-American Yard Sale](https://www.wife.org/all-american-yard-sale.htm) - Summer is a great time for taking a deep breath and a good look around. If you cast your eyes on the old homestead—the yard, the garage, the closets, and the cupboards—and see way too much stuff, you’re not alone. Americans have more stuff than they can handle. Think about those self-storage facilities appearing everywhere.
- [The Best-Laid Wedding Plans](https://www.wife.org/money_family_bestlaidweddingplans.htm) - It's hard to stay on budget when planning your wedding-expenses can get away from you as you strive for the "perfect day." Use the following savings secrets to keep your best laid wedding plans from going awry. Try not to make quick decisions. Impulsive decisions can lead to canceled contracts and returned items which in
- [Want to Protect Your Income in Retirement? It’s Time to Learn About Variable Annuities](https://www.wife.org/protecting-income-in-retirement.htm) - When you think about your finances, what keeps you awake at night? For most women, it’s the fear they will outlive their money and become a “bag lady.” The transition from regular paychecks to full-blown retirement can be downright scary. With traditional pensions going the way of the Model T, and the Social Security platform
- [What to Do When Your Husband Makes Divorce Threats](https://www.wife.org/ss-divorcethreatlist.htm) - My husband and I are divorcing, and he says that unless I agree to split the property the way he wants, he’ll take me to court and the judge will order us to sell everything. Can he do that? First, we’re sorry that your husband has resorted to divorce threats instead of working with you
- [Here’s the Worst Credit Mistake You Can Make](https://www.wife.org/heres-worst-credit-mistake-can-make.htm) - I have a friend, and I’m completely jealous of him. Financially jealous, that is. You’ll probably be jealous of him too. This is a guy who made it through college and grad school without a cent of debt through a combination of scholarships, working, and some support from his parents. Now, only in his late
- [Would You Pay $150,000 to Keep Your Pet in a Divorce?](https://www.wife.org/how-much-to-keep-pet-in-divorce.htm) - How to prioritize in your divorce negotiation It’s common enough for people to go a “bit crazy” during their divorce proceedings, but the case of a San Diego pointer-greyhound mix named Gigi was so outlandish that it managed to make national headlines. Gigi belonged to Dr. Stanley Perkins and his wife, Linda. When the couple
- [Spring Clean Your Budget in Five Easy Steps](https://www.wife.org/spring-clean-budget-five-easy-steps.htm) - Isn’t it amazing how you’ll spend an entire back-breaking day cleaning your garage every few years and promise yourself that you’ll never, ever let it revert back into the cluttered mess that it was? Then, come next spring, your beautiful, spic-and-span garage has somehow de-evolved once again into something that looks suspiciously like a landfill.
- [Three Tax Scams to Avoid this Tax Season](https://www.wife.org/three-tax-scams-avoid-tax-season.htm) - Not every person listens to their better angels, and unfortunately, there are a lot of people in the world who are dedicated to separating you from your money. Tax season, in particular, is like scam-artist Christmas. The combination of confusing tax forms, fear of the IRS, and juicy tax refunds is just too much for
- [Can I Claim Head of Household Status After a Divorce?](https://www.wife.org/can-claim-head-household-status-divorce.htm) - Divorce is expensive, so anything you can save on your taxes can help you rebuild your new post-divorce life. If your divorce was completed by December 31st of the prior year, then you may be able to take advantage of big tax savings if you meet the IRS’s qualifications as a "head of household." By
- [Here's How You Can Grow Your Tax Refund into a Behemoth](https://www.wife.org/heres-can-grow-tax-refund-behemoth.htm) - Aren’t tax refunds the best? It’s like a little tax refund fairy just dropped a wad of money on your pillow in the middle of the night, letting you finally buy those adorable kid boots you’ve always wanted or take that girl’s weekend to Tahoe your friends have been talking about forever. You know that
- [Do You Have to Worry About Capital Gains Tax?](https://www.wife.org/worry-capital-gains-tax.htm) - When you start digging into the tax code – not something we’d recommend unless you are suffering from severe insomnia – you’ll quickly notice that there are a seemingly endless number of taxes. Fortunately, many of these taxes are highly specialized and don’t affect most people. However, some of these taxes occasionally pop up in
- [Help Your Tax Preparer Help You](https://www.wife.org/features_bottomline_smarttaxprep.htm) - Tax time is right around the corner, and for a lot of us, that means meeting with a tax preparer. Sure, you can do your taxes yourself, but sometimes it pays to have a little advice and direction, especially if your tax situation is complex. Keep in mind that even though you're using a professional,
- [Funny Tax Quotes and Facts](https://www.wife.org/taxfactsandquotes.htm) - Tax Quotes "I'm proud to be paying taxes in the United States. The only thing is, I could be just as proud for half the money." -- Arthur Godfrey "The trouble with the profession of tax collecting is that 90% of its members give the rest a bad name." -- anonymous "Day in and day out, your
- [Spring Cleaning After Divorce: Cleaning Out Your Closet and Your Life](https://www.wife.org/spring-cleaning-divorce-cleaning-closet-life.htm) - Spring has sprung. If you are coming out of the winter of divorce, consider this season as your chance to clean your home and your soul of the emotional burdens. Back by popular demand is this useful and uplifting article. The season of spring is all about renewal, which is why it is the perfect
- [Are You Having Too Much Fun to Retire?](https://www.wife.org/much-fun-retire.htm) - Popular culture would have us believe that retirement is a grand reward earned after a long and productive career, but more and more women in their 60s and 70s are rejecting that notion. They continue to work, not because they have to, but oftentimes because they’re just having too much fun. As Claire Cain Miller
- [Need to Save Money and Space? Embrace the Rental Economy](https://www.wife.org/need-save-money-space-embrace-rental-economy.htm) - Want to know the definition of frustration? Try going wedding dress shopping with a bride who hasn’t a clue as to what dress she wants but will “know it when she sees it.” I was fortunate enough to enjoy just such an experience when I performed my sisterly duty and took my sister wedding dress
- [Take Care of Your Health During Divorce](https://www.wife.org/take-care-health-divorce.htm) - Going through a divorce is stressful, and that stress can have a serious impact on your health. The greater your stress, the worse your health becomes. The worse your health becomes, the more costs you face related to your health and the lower quality of life you experience. Dealing with health issues, expensive medical costs,
- [Why You Should Definitely Apply for that Dream Job Even If You Don’t Meet All the Qualifications](https://www.wife.org/apply-dream-job.htm) - You’re browsing a job website looking for a new career, and bam! You see it. Your dream job is right there, almost within your grasp. You eagerly click on the job description, your heart pounding in your chest. As the screen loads, you can already imagine yourself swaggering into the office on your first day
- [During the Divorce, Should You Take the Investments…Or Cash?](https://www.wife.org/divorce-take-investmentsor-cash.htm) - Every estate is different and will require you to make unique choices when it comes to negotiating a divorce settlement with your spouse. The more complex your estate is, the trickier it can be to know what a fair division of assets is. What happens if your husband has lots of investments that may pay
- [Divorce and Bankruptcy](https://www.wife.org/ss-divorce-bankruptcy.htm) - Question: My husband is a spendthrift and we are deeply in debt. Money, or rather, the lack of it, is a constant source of irritation in our marriage, and we have talked about divorce in the past. Now, due to his business problems, my husband says we may be facing bankruptcy. If I go ahead
- [Women’s Prosperity Check 101](https://www.wife.org/womens-prosperity-check-101.htm) - “You’ve come a long way, baby!” said the 1968 ad, aimed at patting women on the back for their amazing progress in the world. Fortunately, today’s women can look back and laugh at the idea that they had reached their potential in 1968. Women were just getting started back then and have since continued to
- [How to Afford the Education You Need After a Divorce](https://www.wife.org/afford-education-need-divorce.htm) - After a divorce, your financial life is likely going to take a big hit. According to a study by the Government Accountability Office, men will, on average, see a 23% reduction in their household income. Unsurprisingly, that number is much higher for women. They will see an average drop of 41% in household income after
- [Take a Deep Breath – It’s Time to Talk About Saving for Your Child’s College Costs](https://www.wife.org/take-deep-breath-time-talk-saving-childs-college-costs.htm) - College. That single word can lift a parent’s spirits and send an icy jolt of fear down their spine at the same time. A college education can play a huge role in a child’s chance for career and financial success, but the price tag can be breathtaking (and not in a good way). According to
- [25 Ways to Save Taxes Through Life's Transitions](https://www.wife.org/25wayssavetaxes.htm) - Taxes are, unfortunately, a part of every financial decision. Like it or not, Uncle Sam’s greedy fingers reach into your pocket with every paycheck and each dollar of investment earnings.
- [Five Steps To Building A Portfolio](https://www.wife.org/claiborne001.htm) - Is this the year you finally begin building your own investment portfolio? If you feel nervous about putting your money into the stock market, or aren’t sure how to get started, then this article by Lynda Claiborne is the perfect starter for you! What does financial freedom mean to you? For most people, it is
- [Can I Get Divorced After 50 and  Still Retire on Time?](https://www.wife.org/can-get-divorced-50-still-retire-time.htm) - There is a popular consensus that divorce rates in the United States are sky high and climbing fast, but the truth is that actual rates of divorce have settled over the last decade of so for all age groups…except one. We are in what some experts have called, the “gray divorce revolution.” A study out
- [How to Get the House in Your Name After a Divorce](https://www.wife.org/get-house-name-divorce.htm) - If you want to keep your house after your divorce, you are taking on a big financial challenge! If you are like most Americans, your mortgage represents your largest monthly expense, and now instead of splitting it between two incomes, you'll have to find a way to shoulder it all on your own. Still, many
- [What If One Spouse Wants to Sell the House After the Divorce and the Other Doesn’t?](https://www.wife.org/one-spouse-wants-sell-house-divorce-doesnt.htm) - Q: My husband left three years ago and is continuing to pay the mortgage. I want to sell [the house] so I can move, but he doesn’t. He doesn’t have enough money to buy me out or the credit to refinance it on his own. What do I do? ~ Brenda Brenda, we are sorry
- [Is It Time For A Portfolio Tune-Up?](https://www.wife.org/time-portfolio-tune.htm) - When you invest, it is a good idea to allocate specific percentages of your portfolio to different types of investments depending on your age, goals, and tolerance for risk. For instance, a 30-year-old professional saving for retirement may want to invest 70% of her savings in stocks, 25% in bonds, and 5% in cash. Even
- [Test Your Marriage Money Skills](https://www.wife.org/marriagemoneyskillsquiz.htm) - Take our marriage money skills quiz to improve your joint understanding and communication about money. You and your partner should answer the questions separately and then compare the notes. The results may surprise you! Download this Quiz (PDF) 1. My partner handles money: a. Like a bull in a china shop. b. According to our mutually
- [Are You Spending Too Much Time Trying to Save Money?](https://www.wife.org/spending-much-time-trying-save-money.htm) - Trying to save money on the things you already buy or want to buy is a smart idea, especially considering that according to NerdWallet.com, the average household with credit card debt is carrying $15,310 on its cards. Ouch! Sure, every penny you save counts, but there are smart ways to save and then there are
- [Eight Big, Game-Changing Ideas to Finally Pay Off Your Credit Card Debt This Year – Part Two](https://www.wife.org/eight-big-game-changing-ideas-finally-pay-off-credit-card-debt-year-part-two.htm) - If you thought we proposed some pretty big ideas to pay off your credit card debt this year in part one of this series, you ain’t seen nothin’ yet. We’ve saved our biggest, boldest, and most serious ideas for this article. If you’ve got thousands of dollars in credit card debt to pay down, you
- [Are You Ready to Finally Start Your Emergency Savings Fund? Take the 21-Day Savings Makeover](https://www.wife.org/ready-finally-start-emergency-savings-fund-take-21-day-savings-makeover.htm) - If you got a bill for $387.81 right now, could you pay it off without using your credit cards, begging family members, or taking out a payday loan with a huge interest rate? It just so happens that $387.81 is the average cost of a car repair when the check engine light comes on. If
- [Eight Big, Game-Changing Ideas to Finally Pay Off Your Credit Card Debt This Year – Part One](https://www.wife.org/eight-big-game-changing-ideas-finally-pay-off-credit-card-debt-year-part-one.htm) - You’ve got credit card debt, and you hate it! Maybe a snapped timing belt in your car (and the huge bill that followed) sent you into a credit card spiral, or you lost your job, or you simply have a habit of swiping now and worrying about the consequences later. Whatever the reason, your credit
- [25 Ways to Divorce Without Going Broke](https://www.wife.org/25waystodivorce.htm) - Excerpted from the booklet "150 Ways to Divorce Without Going Broke" Divorce is the largest single financial transaction of most people’s lives, raising important questions that demand immediate answers. Here are some helpful tips on every aspect of divorce, including: before the divorce, gathering records, alimony, tax returns, navigating the divorce, accumulating cash, hiring an
- [What Can I Do If My Ex-Husband Won’t Pay Child Support?](https://www.wife.org/can-ex-husband-wont-pay-child-support.htm) - Monthly child support payments can be a financial life saver after a divorce, especially if you earn far less than your husband. After a divorce, you will need to learn how to make do on a single income while raising children who seem always to be emptying your refrigerator, growing out of their clothes, and
- [The Age-Old Question – Should You Rent or Buy a Home?](https://www.wife.org/rent-buy-home.htm) - In your life, you’ve had to face some difficult questions. Do you take the job you love but that pays a pittance or the dull job with the juicy paycheck? Do you marry the boring guy you’ve been dating for three years or cut him loose in the hope of finding your Prince Charming? Do
- [Does It Ever Make Sense to Invest When You’re in Debt?](https://www.wife.org/ever-make-sense-invest-when-in-debt.htm) - Being in debt feels kind of icky, doesn’t it? It itches in the back of your mind, constantly reminding you that you’re on the hook. You probably dream of the day when you can make that last payment on your mortgage, your car loan, your student loans, or your credit cards, but should you really
- [Financial Advice: Lessons from Scrooge](https://www.wife.org/financial-lessons-from-scrooge.htm) - When Charles Dickens wrote “A Christmas Carol” in 1843, he was driven as much by financial desperation as inspiration. The story met with instant success, selling six thousand copies within a week, and it has never been out of print since it was written. Dickens wrote and published the classic tale to pay off crippling
- [What Brangelina’s Divorce Can Teach You About the Value of a Prenup](https://www.wife.org/value-of-a-prenup.htm) - Say it ain’t so! Angelina Jolie and Brad Pitt are getting divorced. Maybe you were originally on Team Jennifer when Pitt and Jolie got together, but you’ve got to admit the two Hollywood superstars seemed like a match made in gorgeous person heaven. After 10 years of dating (possibly a world record in Hollywood), Pitt
- [Can You Really Afford a New Pet?](https://www.wife.org/can-really-afford-new-pet.htm) - Pets bring their humans companionship, love, and lots of joy…but they also bring costs. That monster-sized bag of dog kibble isn’t going to buy itself, and that trendy new cat condo doesn’t exactly grow on trees. Adopting a new pet is a financial decision -- and one that will impact your budget for the length
- [Returning to the Workforce? It Might Be Time to Consider an Adult Internship.](https://www.wife.org/consider-adult-internship.htm) - Getting a job is hard, especially if you happen to have a ten-year gap in your resume and skills rustier than a bike left out all winter. Yet, this is the reality that many women in our country face when they are ready to rejoin the workforce after leaving their careers to raise a family
- [Should You Consider a Separation Instead of a Divorce?](https://www.wife.org/consider-separation-instead-divorce.htm) - Not every marriage ends with an epic fight and an eternal hatred for one another that can never be quenched. In certain cases, a marriage can just quietly wither until one spouse (usually the woman) simply decides that she would be happier on her own. This is especially true of “gray divorces,” divorces that take
- [Why You Should Make Your Ex-Husband Buy Life Insurance as Part of Your Divorce Settlement](https://www.wife.org/get-ex-pay-life-insurance.htm) - Going through a divorce is a huge emotional blow and will undoubtedly be a pretty big financial blow, too. Even though we ladies are climbing up the rungs of the corporate ladder, we still earn less than men. We are also still more likely to drop out of the workforce in order to care for
- [Is There Credit After Divorce](https://www.wife.org/creditafterdivorce.htm) - I am thinking of divorce, and I don’t know what to do about my credit cards. Will I be able to get credit after I divorce, or will I have to start over?
- [Can You Get a Better Divorce Settlement If Your Spouse Cheated?](https://www.wife.org/can-get-better-divorce-settlement-spouse-cheated.htm) - Even though you know that cheating is surprisingly common in marriage (just grab the latest People Magazine if you need a reminder), you never think that it will happen to you…until it does. According to TruthAboutDeception.com, estimates peg infidelity rates in the United States at between 30% - 60%. It may be nice to know
- [Widows, Do You Have to Pay a Capital Gains Tax If You Sell Your House After the Death of Your Spouse?](https://www.wife.org/widows-pay-capital-gains-tax-sell-house-death-spouse.htm) - If your husband has recently passed away, you may decide it’s time to sell your home. Maybe it holds too many sad memories, or it’s just too big for you to handle on your own, or you simply want to live closer to your children. Whatever your reason, if your house has increased in value
- [Can a Couple with 13 Kids Really Pay Off Their Seven-Bedroom House, Live Debt-Free, and Retire Early?](https://www.wife.org/can-couple-13-kids-really-pay-off-seven-bedroom-house-live-debt-free-retire-early.htm) - If you either want to feel extremely inspired or extremely terrible about your own financial habits, head on over to the Washington Post and read the story of the Fatzinger family. Rob and Sam Fatzinger are devout Catholics with thirteen children. Sam is a stay-at-home mom who homeschools her children. Rob, a software tester, earns
- [If You Know That You Are Getting a Divorce, Should You Still Pay the Mortgage?](https://www.wife.org/know-getting-divorce-still-pay-mortgage.htm) - Q. My husband left me three months ago and now wants a divorce. Should I keep paying the mortgage on my house even though he could get half of it? A. It can certainly be financially difficult to carry the full cost of a monthly mortgage payment on your own! We definitely understand why it
- [Six Places to Look for Hidden Assets During Divorce](https://www.wife.org/six-places-look-hidden-assets-divorce.htm) - When couples divorce, mistrust abounds. One of the first things people think of when their spouse asks them for divorce is, he must have been stashing away money. You know more about your financial situation than any stranger could, so before you hire a private eye to look for hidden funds, think carefully about your
- [Should I Keep the House?](https://www.wife.org/should-i-keep-the-house-after-divorce.htm) - Divorce can shake you to your very foundations. Everything changes and many women want to cling to the house as the only stability they can find in a shifting world. Whether keeping the house is your best option depends on many different factors. Here are six things you need to consider in making that important decision.
- [Divorce Preparation Guide – Now Is the Time to Start Preparing for a New/Better Job](https://www.wife.org/divorce-preparation-guide-to-new-job.htm) - We’d like to believe that when it comes to life, work, and family that men and women have reached something nearing equality. Not so. According to the Pew Research Center, in 2012, 84% of stay-at-home parents were women. Likewise, women are far more likely not to work or to work part-time than men even if
- [Changing Your Name After Divorce](https://www.wife.org/changing-your-name-after-divorce.htm) - When I was divorced, I didn’t change my name, but now I want to resume my former name and drop my ex-husband’s name. Is it too late to do this without an expensive attorney? Divorce is very unsettling, to say the least. It is difficult to think about changing one’s name when there are so
- [When Life Changes…Change Your Life Insurance!](https://www.wife.org/life-changeschange-life-insurance.htm) - Life insurance is that great safety net that will help take care of the ones you love after you pass away. How much life insurance you need to have will depend in large part on who is dependent on your income and what type of legacy you want to leave after you pass away. Though
- [Positive Money Messages for Kids](https://www.wife.org/positive-money-messages-for-kids.htm) - Want to give your kids a wonderful gift that will last a lifetime and help them achieve their dreams? No doubt you’ve guessed that it’s not the latest video game or computer gizmo at the mall. Those are fleeting contributions to a young person’s happiness. Give them a healthy, positive, self-confident attitude toward money and
- [Should You Refinance to Remodel Your Home?](https://www.wife.org/refinance-remodel-home.htm) - Have you been dreaming of remodeling your cramped and outdated kitchen forever? The cost of even a small remodel can quickly reach five digits, and it isn’t uncommon for larger remodels, especially whole home remodels, to reach six or even seven digits in price. Most of us don’t have $10,000 just sitting around, much less
- [Should You Invest in Long-Term Care Insurance?](https://www.wife.org/invest-long-term-care-insurance.htm) - If your grandmother was born in the year 1900, her life expectancy wasn’t much higher than 50, according to the National Institute on Aging. However, if you are 65 years old today, the Social Security Administration predicts that you will be able to blow the candles out on your 86th birthday cake if you are
- [Five Reasons Why You Should Request Alimony as a Lump Sum During Your Divorce](https://www.wife.org/request-alimony-as-a-lump-sum.htm) - If you are in a position to receive alimony as a part of your divorce, the settlement (or the judge) may specify exactly how much your ex-spouse is obligated to pay and over what time period. Normally, your ex would be required to send you a monthly alimony payment, but you can attempt to negotiate
- [Do You Need an Asset Protection Plan?](https://www.wife.org/need-asset-protection-plan.htm) - Think about all of the things that you own, from every dollar sitting in your retirement account, to the home you just bought, or the business that you’ve slowly grown into a successful enterprise over the last ten years. Now, think about how much time, effort, blood, and sweat went into earning the money in
- [Don’t Freak Out About the Stock Market – Stocks Are Just On Sale](https://www.wife.org/dont-freak-out-about-the-stock-market-stocks-are-just-on-sale.htm) - Oh, we humans and our funny brains. We all hate losing money for all the obvious reasons, but our brains may actually make us fear the loss even more than we should. When it comes to a quickly deflating stock market, our loss-averse brains could lead us to make emotional, fear-based decisions that will lock
- [Why You Should Definitely Never Try to Hide Assets During a Divorce](https://www.wife.org/definitely-never-try-hide-assets-divorce.htm) - Understand the Penalty for Hiding Assets During a Divorce You feel angry. Betrayed. Frustrated and furious. Divorce rarely brings out the best in us and oftentimes reveals our inner monsters. This is especially true if abuse and/or infidelity are part of the equation. Nonetheless, you may be obligated to hand over a significant amount of
- [Life After Divorce: Time to Assess your Financial Situation](https://www.wife.org/time-to-assess-your-financial-situation.htm) - Going through a divorce can be an emotionally trying time, but it is also an opportunity to start fresh. Now that you are single, it is important to begin with a strong financial base. Assess your current financial situation Following a divorce, you'll need to get a handle on your finances and assess your current
- [Put Your Goals in Pictures](https://www.wife.org/put_your_goals_in_pictures.htm) - Recently my client Jennifer called me. "I did it!" she exclaimed over the phone. "I bought the vacation home that I visualized." That excitement in her voice was a pleasure to hear. Seven years ago she was widowed at age 27 when her husband died in an auto accident near their home in Southern California.
- [Do I Need a Reason to Get Divorced?](https://www.wife.org/need-reason-get-divorced.htm) - Introduction to the No-Fault Divorce If you were stuck in a lousy marriage at the beginning of the 20th century, your chances of getting a divorce weren’t so great, especially if you were a woman. Back in those days, you couldn’t just tell a court that you and your husband had grown apart.You had to
- [What Does Divorce Mean For My 401(k)?](https://www.wife.org/divorce-mean-401k.htm) - What Does Divorce Mean For My 401(k)? You have worked hard to build up your 401(k), you savvy financial lady, so that you are on the right path for a most excellent retirement. Now, divorce has reared its ugly head. What does this mean for your precious 401(k) account? Can your soon-to-be ex-husband take a
- [Divorce is Probably Way More Expensive Than You Realize](https://www.wife.org/divorce-probably-way-expensive-realize.htm) - The decision to get divorced should never depend on whether you think you can afford it; however, it is important that during this emotional time you prepare yourself for the potential costs involved. One of the most popular articles on WIFE.org is The Twelve Financial Pitfalls of Divorce. The very first pitfall we wrote about
- [Understanding Survivors Benefits for Veteran Widows](https://www.wife.org/understanding-survivors-benefits-veteran-widows.htm) - The men and women who served in the United States military deserve our thanks and our support throughout their lives. That is why the U.S. government created the Veterans Administration in 1930 and gave it the mission “to serve America’s veterans and their families as their principal advocate in ensuring that they receive the care,
- [Where to Search for Hidden Assets During Divorce](https://www.wife.org/ss-hiddenassets.htm) - My husband just told me he wants a divorce, and he says he’s been thinking about it for quite a while. I’m afraid that he’s taken steps to hide money so that I won’t receive a fair share of our property. Where can I look to try to find any hidden money? It’s smart of
- [How Much Did a House Cost Ten Years Ago?](https://www.wife.org/much-house-cost-ten-years-ago.htm) - What were you up to in 2005? Maybe you spent your days humming the new Brittney Spears song Poison, standing in line to grab a ticket to Harry Potter and the Goblet of Fire, or checking out an odd new video website called YouTube. In 2005 George W. Bush started his second term in office,
- [Why Every Woman Needs a WIFE](https://www.wife.org/every-woman-needs-wife.htm) - According to the United States Department of Labor, in 2010, women comprised 47% of the total U.S. labor force. Though women still earn 82.5% of the salary of our male co-workers, we’re bringing home some nice paychecks every month, an average of $39,157 a year in 2013 for those of us who work full-time! In
- [Five Easy Steps to Budget and Save Like a Financial Wizard on a Fluctuating Income](https://www.wife.org/five-easy-steps-budget-save-like-financial-wizard-fluctuating-income.htm) - Working for yourself or on commission has a lot of upsides. You might get to work in your comfy flannel PJs, or perhaps your job allows you to spend more time with your kids or earn more than you ever could staring at a cubicle all day. Of course, self-employment or the sales life isn’t
- [Waiting for Election Results is not an Investment Strategy](https://www.wife.org/waiting-election-results-not-investment-strategy.htm) - This election season has been interesting to say least, but some things never change, including the leading candidates from both parties predicting dire economic consequences if the other is elected. As we listen to the rants of the various politicians, are there any useful political trends that we can consider as investors? Will the person
- [First Steps – Planning for Retirement In Your 20s](https://www.wife.org/plan-retirement-20s.htm) - Part One in Our Retirement for a Lifetime Series You are fresh out of college with a degree clutched in your hand. Get ready world, you are going to do big things…eventually. First, you have to find a job, figure out a living situation, somehow replace the muffler on your car AND come up with enough
- [What You Should Be Doing to Plan for Retirement – Your 30s](https://www.wife.org/plan-retirement-30s.htm) - Part Two in Our Retirement for a Lifetime Series Welcome to your 30s! There are a few more candles on your birthday cake now, but each one of those candles represents knowledge, experience, and wisdom gained. At this point in your life you probably aren’t scrimping to get by like you were in your 20s
- [What You Should Be Doing to Plan for Retirement – Your 40s](https://www.wife.org/plan-retirement-40s.htm) - Part Three in Our Retirement for a Lifetime Series Welcome to your 40s. At this point in your life, your earning power should be growing as you use your experience and expertise to reach the top of your field and embrace more senior and leadership positions. Of course, with more money comes more opportunities to
- [What You Should Be Doing to Plan for Retirement – Your 50s](https://www.wife.org/plan-retirement-50s.htm) - Part Four in Our Retirement For a Lifetime Series What’s that over there on the horizon? It’s your retirement, coming close. Yes, it’s still some years off, but you can see it now in the distance. How do you feel? Excited? Uncertain? Full of dread? By now, you should have several decades of retirement savings
- [What You Should Be Doing to Plan for Retirement – Your 60s and Beyond](https://www.wife.org/plan-retirement-60s.htm) - Part Five in Our Retirement For a Lifetime Series When you blow out your candles on your 60th birthday, you will be tantalizingly close to the traditional retirement age – 65. Of course, traditions change, and many Americans are reaching this important milestone with big financial worries. According to the Federal Reserve, the median retirement
- [Ten Common Investor Mistakes That Could Tank Your Portfolio – Part One](https://www.wife.org/ten-common-investor-mistakes-tank-portfolio-part-one.htm) - The world of investing can seem incredibly complex, but it doesn’t have to be if you if you stick with a steady game plan and avoid common investor mistakes that are so often fueled by emotion rather than logic. In this article and a subsequent one, we cover ten mistakes that so many undisciplined investors
- [How to Keep Your House During a Divorce](https://www.wife.org/keep-house-divorce.htm) - A house can mean a lot of different things to different people. For you, your home may mean stability. It can also represent an important asset, or consistency for your children during a difficult time. You may love your house for its proximity to your work, your family, or your children’s school. There are many
- [Ten Common Investor Mistakes That Could Tank Your Portfolio – Part Two](https://www.wife.org/ten-common-investor-mistakes-tank-portfolio-part-two.htm) - In the first part of this series, we learned about five common mistakes that are so easy for investors to make. Maybe you recognized some mistakes in the list that you’ve made in the past or were making in the present. (You’ve fixed it, right?) Here is the second half of our ten-item list. Review
- [Who’s Paying For College? Part Three: Finding a Middle Ground for College Costs](https://www.wife.org/paying-for-college-part-3.htm) - College…it’s expensive. No, really expensive. The sticker price even for an in-state public school can still reach $24,000 a year or more according to CollegeData.com! The question of how to pay for a child’s higher education or even if you should is one that every parent must face. In the previous two articles in this
- [Who’s Paying For College? Part Two: The Case for Paying for Your Child’s College Costs](https://www.wife.org/paying-for-college-part-2.htm) - Parents, no doubt that if you had Bill Gates’s money you wouldn’t think twice about paying for your child’s college costs. You might not even mind if your child announces that she wants to double major in philosophy and the history of dance. If you aren’t one of the roughly 1,800 billionaires in the world,
- [Who’s Paying For College? Part One: The Case Against Paying Your Child’s College Costs](https://www.wife.org/paying-for-college-part-1.htm) - On the surface, paying for your child’s college seems like a no-brainer. We all know that a college degree is practically a requirement these days to make it into the middle class and that a lack of a degree may bar your child from most careers that don’t include a fast food uniform. As a
- [These Long-Term Tax Strategies Will Help Savvy Women Stretch Their Dollars Further](https://www.wife.org/taxstrategiesforwomen.htm) - Politicians are always promising to completely revamp the tax code, but on the whole, our current tax policy has remained stubbornly consistent, with only minor changes over the years. Likewise, smart tax strategies will stand the test of time. As tax season bears down upon us, here are some reliable and long-term tax strategies that
- [Ten Last Minute Tax Tips That Can Help You Save Even More!](https://www.wife.org/taxtalk-lastminutetaxtips.htm) - Hey, tax procrastinators! With just a short white left until taxes are due, take a deep breath, read this article, and then get to work! 1. Don’t Rush Just because you are filing at the last minute, don’t get flustered and overlook deductions. Take time to review last year’s activity to be sure you claim
- [How Understanding the Female Brain Can Make You a More Savvy Investor](https://www.wife.org/understanding-female-brain-can-make-savvy-investor.htm) - In the book, Unleash the Power of the Female Brain, Dr. Daniel G. Amen, a psychiatrist and brain imaging expert, imaged the brains of 46,000 men and women. He compared the blood flow and activity patterns between male and female brains and found significant differences. In summarizing his finding, Dr. Amen reported that female brains
- [Why You Deserve a Dream Bucket Even If You’re Just Making Ends Meet](https://www.wife.org/why-you-deserve-a-dream-bucket.htm) - In his latest bestseller, Money Master The Game, Tony Robbins encourages his readers to create a dream bucket for themselves. This is basically a piggy bank for your dreams where you save the money that will finance that things you’ve secretly been holding inside your heart. Maybe it’s money to go back to school and
- [How Much Flexibility Is Too Much In Your Financial Plan?](https://www.wife.org/much-flexibility-much-financial-plan.htm) - When it comes to your financial plan, it is important to maintain enough flexibility so that your plan can accommodate unexpected events that are out of your control. On the other hand, a sound financial plan needs to be firmly grounded by factors you can control so that even in the face of unexpected events,
- [The Growing of the Green](https://www.wife.org/the-growing-of-the-green.htm) - If this March finds you wondering where to get a little more of the green stuff to cover life’s expenses, you’re not alone. Stories of rising prices and falling income fill the news—as if we hadn’t noticed.
- [Want to save taxes? Buy carrots.](https://www.wife.org/want-to-save-taxes-buy-carrots.htm) - As Congress and the White House consider cutting spending and raising taxes, I hope they consider what creative entrepreneurs do when tax rates get too high. Here’s an example: When a special sales tax on theater ticket sales were raised to 21%, a theater owner in Spain put on his thinking cap. He noticed that
- [Married for More Than Ten Years? You Can Collect Social Security Benefits From Your Ex-Spouse!](https://www.wife.org/married-ten-years-can-collect-social-security-benefits-ex-spouse.htm) - If you were married to your ex-spouse for ten or more years, then you are eligible for very important Social Security benefits that could drastically increase how much Social Security you receive each month. Who doesn’t want a bigger Social Security check each month? No one, that’s right! So keep reading. Even if you are
- [Four Tips to Slay the Monster Cost of College](https://www.wife.org/four-tips-slay-monster-cost-college.htm) - A college education is almost a requirement these days in order to break into most well-paying jobs (unless your child is itching to start the next great tech company). However, the cost is steep! According to Collegedata.com, the average cost for a public, in-state college was $23,410 for the 2014-2015 year and $46,272 for a
- [I’ll Show You Mine, If You Show Me Your…Credit Report](https://www.wife.org/show-mine-show-yours-credit-report.htm) - Why You Must Have the Money Conversation Before Marriage If you are in a serious relationship, you probably know your partner’s favorite color, his dream car, and at least a few embarrassing stories from his childhood. But do you know his credit score? If not, then you don’t really know your partner at all, and
- [DIY Investing or Hire an Investment Pro?](https://www.wife.org/diy-investing-hire-investment-pro.htm) - Many women assume that they must have a hefty bank account before a professional investment advisor will even look in their direction. Others worry about big fees and commissions cutting into the investment portfolio the advisor was hired to grow. So, is it financially smarter to hire an investment manager or read up on investing
- [What Do You Want Your Retirement to Look Like?](https://www.wife.org/what-do-you-want-your-retirement-to-look-like.htm) - We all know the process. Estimate how much money you will need in retirement (which can range anywhere from 70% to over 100% of your pre-retirement income), determine your available income sources (like pensions and Social Security payments), and then calculate how much you will need to save annually so that you can retire on
- [Should You Invest Your Retirement Savings in Indexed Mutual Funds?](https://www.wife.org/invest-retirement-savings-indexed-mutual-funds.htm) - When you invest in an actively managed mutual fund, you are investing in expertise. In exchange for an industry average yearly fee of 1.24% of the money you invest, you get a fund manager and a group of analysts who spend their days trying to pick the investments that will earn you the most money
- [Did You Know That You Can Use Whole Life Insurance for Risk Management?](https://www.wife.org/know-can-use-whole-life-insurance-risk-management.htm) - For many Americans, the idea of “life insurance” only brings to mind a simple term life insurance policy. Term life insurance is the most popular form of life insurance, but it is far from the only option on the market. In fact, insurance companies offer a wide array of life insurance products in order to
- [Do You Know Your Net Worth…And Does It Matter?](https://www.wife.org/know-net-worthand-matter.htm) - How to Compute Your Net Worth You may have heard someone at a party brag about their “net worth” (usually after a few drinks). At its most basic level, a person’s net worth is simply the amount of their assets (the things they own) minus their liabilities (how much they owe). The fair value of
- [Six Savvy Tips to Spend Less and Save Smart](https://www.wife.org/six-savvy-tips-to-spend-less-and-save-smart.htm) - Who doesn’t want to increase their savings so they can afford a great vacation each year or retire in style at age 55? Here’s a tip: Savings are directly tied to spending. The less you spend, the more you can save. If your spending is out of control, here are six more savvy tips to
- [Can I Still Visit My Grandchildren After a Divorce?](https://www.wife.org/can-i-still-visit-my-grandchildren-after-a-divorce.htm) - Watching your child go through a divorce is a difficult experience, especially when emotions get hot. What’s even worse is the possibility that your child’s spouse will receive full custody of your grandchildren and may seek to prevent you from having contact with them. Divorce has a tendency to bring out the worst in people,
- [The Post-Divorce Financial Follow-Through](https://www.wife.org/the-post-divorce-financial-follow-through.htm) - If you are finally wrapping up your divorce, you probably feel financially and emotionally exhausted, even if the process wasn’t acrimonious. It takes a lot of work to untangle your assets (and your heart) from another, especially if you were married for a long time. Now, you are facing a life that might look very
- [Are You Eligible for Alimony After Your Divorce?](https://www.wife.org/are-you-eligible-for-alimony-after-your-divorce.htm) - When Amber walked down the aisle eight years ago, she thought she was going to spend the rest of her life with Marcus. After their second child came along four years ago, they decided that Amber should leave her job as a product manager to take care of the children full time while Marcus continued
- [Financial Advice: Four Good Reasons To Save Money This Year](https://www.wife.org/4-good-reasons-to-save-money.htm) - It isn't hard to find financial advice on how to save money. But have you ever thought about why saving money matters so much? Sure, it's important to set aside money for retirement, for the kids' college education and for those unexpected life expenses, but there's another reason why it's more blessed to save than
- [Why Women Need To Think Differently About Retirement](https://www.wife.org/think-differently-retirement.htm) - Ladies, we know that “one size doesn’t fit all,” and that is especially true when it comes to planning for retirement. When we look to the future and retirement, we can’t think like men. Let’s look at three unique challenges that force women to think differently about retirement: A Longer Retirement Congratulations! If you were
- [Planners Get Cash to Take Second Saturday Divorce Workshop National](https://www.wife.org/planners-get-cash-take-divorce-workshop-national.htm) - By Ann Marsh Financial Planning Magazine A 25-year-old divorce workshop founded and run by two planners in San Diego has received funding from a former attendee to enhance its website, with an eye to going national. “We recognize not everyone can get to a workshop,” says Elizabeth Bryan, outreach coordinator for the Second Saturday workshops,
- [Southern NH Money Club offers financial ‘support’ for women](https://www.wife.org/southern-nh-money-club-offers-financial-support-women.htm) - By BARBARA TAORMINA New Hampshire Union Leader Correspondent The Southern NH Money Club is part of a growing group of clubs throughout the country inspired by the Women’s Institute for Financial Education, WIFE.org, the oldest existing non-profit organization dedicated to financial education for women. Mary Murphy has been making financial management decisions since she was a
- [Holiday  Spending Doesn't Equal Holiday Cheer](https://www.wife.org/holiday-spending-doesnt-equal-holiday-cheer.htm) - ‘Tis the season to spend money, fa-la-la-la-la, la-la-la-la. As we celebrate Christmas, Hannukah or Kwanza, extravagance seems to be required. Our mailboxes bulge with catalogs, mall retailers advertise with abandon, and grocery aisles are crammed with displays of holiday goodies. We succumb, buying everything from new curtains to Santa statuettes, along with sugar, heavy cream
- [The Magic Rule for Retirement Withdrawals](https://www.wife.org/retirement-withdrawals-is-there-a-magic-rule.htm) - Is There Really a Magic Rule That Will Tell You Exactly How Much You Can Withdraw Every Year During Retirement? Wouldn’t it be great if there was a nice, simple rule you could follow to know how much money you could safely withdraw from your retirement savings so that you won’t accidentally go broke long
- [Taking the Plunge: When Should You Retire?](https://www.wife.org/taking-the-plunge-when-should-you-retire.htm) - Deciding when to retire is one of the most important life decisions you’ll ever make, but how do you know when the time has come? The “traditional” retirement age is 65, but maybe you dream of retiring early at, say, age 55. Can you afford to retire this early, or should you actually be considering
- [Five Things You Probably Haven’t Done but Should to Integrate Your Retirement Accounts into Your Estate Plan](https://www.wife.org/five-things-to-do-to-integrate-retirement-accounts-with-estate-plan.htm) - Your retirement accounts, including your 401(k) plans and individual retirement accounts (IRAs), are likely to be your most significant assets along with your home. While you may think you’ll need every bit of money in those accounts for your retirement, what would happen if you die at an early age? Not fun to think about,
- [WIFE Savings Calculator](https://www.wife.org/savingscalculator.htm) - How Can You Turn $5 into $21,000?
- [How to Manage Money -- Together](https://www.wife.org/focusonforever.htm) - "When people argue over money, the argument is likely to have little to do with money. It almost always has to do with issues of control, security, self-esteem, and, above all, love." --Grace Weinstein, author In our lives, we are pulled in many directions. We both desire and fear the power of money, and most
- [Your Female Brain Can Make You a More Savvy Investor](https://www.wife.org/your-female-brain-can-make-you-a-more-savvy-investor.htm) - In the book, Unleash the Power of the Female Brain, Dr. Daniel G. Amen, a psychiatrist and brain imaging expert, imaged the brains of 46,000 men and women. He compared the blood flow and activity patterns between male and female brains and found significant differences. In summarizing his finding, Dr. Amen reported that female brains
- [The Difference Between Men and Women](https://www.wife.org/differencebetweenmenandwomen.htm) - Until recently, the world of finances has been pretty much male dominated. And men and women think and learn very differently. For the most part, men don't enjoy group interaction and sharing. Men are more likely to go it alone, prizing independence and autonomy, while women seek interaction and chemistry. There are a number of
- [Some Long-Term Thoughts for Long-term Investors](https://www.wife.org/some-long-term-thoughts-for-long-term-investors.htm) - I have always discouraged individual investors from spending any of their time on short-term market commentary and investment news. In today’s environment, that is particularly important. Why? Among other phenomenon, the financial news media’s obsession with the Federal Reserve’s position on raising interest rates has become a complete waste of time. Yes, rates will go
- [Are You Really Ready for Marriage?](https://www.wife.org/money_family_readyformarriage.htm) - Marriage is an enormous commitment. Before you take the big plunge, do a quick check to see if there is water in the pool. The following quiz can help you and your beloved assess your readiness for the responsibility of marriage and help you communicate about important issues from the beginning. Print out two copies
- [Tax Write-Offs for Your Wedding](https://www.wife.org/tax-write-offs-for-your-wedding.htm) - Weddings are expensive, so it is too bad that they aren’t tax deductible. But wait – though tax write-offs may not be top-of-mind when you are planning your wedding, with careful planning there are some ways you can garner a tax deduction or two. Here are some ideas: The church. If you are paying a
- [Saving For Retirement On $5 A Day](https://www.wife.org/retirement-bonds.htm) - What do you think is the most important factor for making your investments grow? Is it what you buy, or when you buy, or when you sell? In truth, it’s none of these. The most important factor for wealth-building is the steadiness with which you invest, year after year, starting right now. Let’s say your
- [Love is Grand - $30 Grand](https://www.wife.org/love-grand-30-grand.htm) - February is the month for hopeless -- and hopeful – romantics. Here is a roadmap to the courting process, courtesy of our friends at Turbotax. Love is grand, it’s true. But as you head down the road to everlasting love, you’d better start saving – the cost of a wedding averages almost $30 grand. It
- [A Couple’s Money Meet-Up](https://www.wife.org/couples-money-meet.htm) - Let’s imagine that you and your mate have a very important financial date today. It’s a regularly scheduled get-together that happens every month like clockwork. You may recall that when you first began these state-of-our-finances meetings, it was rocky. Lots of things needed to be shared and talked through, some quite jarring. Now, though, it’s
- [Is Fear Running Your Investment Strategy?](https://www.wife.org/fear-running-investment-strategy.htm) - It is impossible to think about money, (especially YOUR money), without bringing your emotions along. We all have a huge and complex tapestry of emotions connected to our concept of money. For many women, money represents security, and they fear putting any of it at risk. The thought of becoming a "beggar lady on the
- [OMG, I’m Rich! Now What?](https://www.wife.org/im-rich-now.htm) - Five tips on how to save and play responsibly with your newfound wealth Have you just landed a big windfall? Maybe you’ve received an inheritance, gotten a bonus at work, sold your business, or won a lawsuit. Congratulations on this infusion of cash. You now have the means to create more financial stability in your
- [Over Half of Americans “Haven’t Got Around” To Making a Will](https://www.wife.org/making-will.htm) - Think of all the things you own, from the money in your retirement account, to your home, your car, and your beloved stamp collection. Where will they go after you die? If you are like 61% of Americans who have not created a will, then you are leaving that question up to your home state
- [How Do You Spell Success?](https://www.wife.org/how-do-you-spell-success.htm) - In case you haven’t heard, women’s financial stars are on the rise. Women now hold almost 50% of all corporate management positions and control more than half of the private wealth in America. Are you a working woman ready to step up your progress toward greater prosperity and accomplishment? Start with your own definition of
- [Important Tax Deadlines You Can’t Afford To Miss](https://www.wife.org/important-tax-deadlines-cant-afford-miss.htm) - April 15th isn’t the only important tax deadline you need to know about, especially if you are an employer, self-employed, a tax-exempt organization, or are in a unique tax situation. Let’s do a quick refresher of the most critical tax dates that you will be facing this year. January 15 – If you pay estimated
- [Ten Everyday Taxes We Hardly Even Notice](https://www.wife.org/ten-everyday-taxes-we-hardly-even-notice.htm) - The popular saying is that the only guarantees in life are death and taxes, but do Americans really understand just how many taxes they pay? We don’t just mean all those ugly negatives on your pay stub. Taxes hit us everywhere, even when we do amazing things (getting married), normal things (drive to work), and
- [How to Survive Sudden Wealth](https://www.wife.org/how-to-survive-sudden-wealth.htm) - Did you just come into a lot of money? Maybe you received an inheritance, won a lawsuit, sold a company, or simply won the lottery. Now you are figuratively sitting on piles of money. What a great problem to have! Except that it really can be a problem. We’ve all read the stories of lottery
- [Three Things Women Need To Do Right Now To Protect Their Retirement](https://www.wife.org/protecting-retirement.htm) - At WIFE.org, we don’t think retiring smart has to be complicated. A few good habits can make the difference between working a part-time job in retirement to make ends meet or spending more time with your grandchildren and taking a cruise each year. Here are three simple things you can start doing today to get
- [What Does Investment Diversification Have In Common With An Infinity Pool?](https://www.wife.org/investment-diversification-infinity-pool.htm) - Simply stated, both of these seemingly disparate items appear to go on forever, i.e., they are endless. In the case of infinity pools, this attractive architectural amenity is a real plus, particularly for high-end residential real estate properties. However, when it comes to diversifying a mutual fund portfolio, it appears that the financial press, some
- [What Happens To Your Online Estate After Your Die?](https://www.wife.org/what-happens-to-your-online-estate-after-your-die.htm) - We all know how important it is to create a will that clearly states how you want your estate managed and distributed after you die, but does your will include your online assets? What Are Online Assets? Before the internet was born, our assets were paper bills, record collections, and vehicles that could be
- [Why The Best Investors Are History Buffs](https://www.wife.org/best-investors-history-buffs.htm) - Oh, how easy it is to get distracted by the day-to-day fluctuations in the market. Many investors have a herd mentality. Poor jobs report? Suddenly gold prices spike. A major CEO has the flu? Their company’s stock falls ill as well. The best investors, however, step back from the herd and take a long view
- [Five Preventable (and Expensive) Mistakes Almost Every New Investor Makes](https://www.wife.org/five-preventable-and-expensive-mistakes-almost-every-new-investor-makes.htm) - When you first start investing, it’s easy to get caught up in the daily rollercoaster of the stock market or to give into your urge to “beat” the market by trading stocks on your own. However, study after study shows that the majority of investors would be best served by investing their money into plain
- [Five Mental Money Jedi Tricks to Build Up Your Rainy Day Fund](https://www.wife.org/five-mental-money-jedi-tricks-to-build-up-your-rainy-day-fund.htm) - Most financial advisors suggest that a good rainy day fund or emergency savings fund contain three to six months of average living expenses. If you have a monthly mortgage payment, car payment, and some kiddos running around the house, that can really add up! How in the world are you going to save up that
- [Money Club Participation Reaches an All Time High!](https://www.wife.org/money-club-participation-reaches-time-high.htm) - WIFE.org sponsored Money Club participation has hit an all time high! We now have 442 Money Clubs with 2,852 members in 46 states plus 7 other countries, with new ones cropping up all the time. Money Clubs are the non-fattening and fun curriculum created by expert/thought leaders Candace and Ginita that teach everyone how to
- [Are You an Enterprising Woman?](https://www.wife.org/enterprisingwomen.htm) - Do you dream of having your own business? More and more women each year discover the excitement of being self-employed. If it sounds good to you, the prospects have never been better or the resources greater to help you get started. Enterprising women across America are building businesses that now employ 7.8 million people and
- [Getting Your Financial Life Back On Track After Divorce](https://www.wife.org/ss-financesontrack.htm) - I have just been through a divorce, and I feel as though I’ve been through the wringer. I have a great therapist who is helping me through the emotional aftermath, but I don’t know where to begin to get my financial life back on track. Unfortunately, "splitting the sheets" also means splitting the assets and
- [Life Events and Your Finances: Are You in the Know?](https://www.wife.org/life-events-finances-know.htm) - The old saying, “what we don’t know can’t hurt us,” is good for a laugh when we’re talking about the number of calories in a mocha frappuccino. However, we really do want to know as much as we can about how certain predictable life events can affect us, especially our finances. Although we can’t know
- [Money Camps and Other Ways to Inspire Your Budding Tycoons](https://www.wife.org/moneycamps.htm) - As most parents agree, financial education for children is a great idea. In fact, many parents wish that they had learned more about money management way back when. Children are happy asking for and spending the money — until the day when Mom or Dad says, "That's too expensive" or "We can't afford that right
- [Prince Charming Doesn't Live Here Anymore](https://www.wife.org/princecharming.htm) - UN-tying the Knot? Everything You Need to Know When Prince Charming Leaves the Building
- [Life After Divorce: What You Need to Do Now](https://www.wife.org/what-you-need-to-do-now.htm) - Now, more than ever, you need to make sure that your finances are on the right track. You will then be able to put the past behind you and set in place the building blocks that can be the foundation for your new financial future. Review your insurance needs Typically, insurance coverage for one or
- [Don't Abandon Your Career if You Decide to Leave Work](https://www.wife.org/dontabandoncareer.htm) - Can you live on one income? If you are like many couples, you can’t even get by on two! But that doesn’t mean you can’t stay home to raise your children. It may be less expensive to run the household with only one spouse working. That’s because two careers mean additional expenses for childcare, commuting,
- [Put Your Goals in Pictures](https://www.wife.org/put-your-goals-in-pictures.htm) - Recently my client Jennifer called me. "I did it!" she exclaimed over the phone. "I bought the vacation home that I visualized." That excitement in her voice was a pleasure to hear. Seven years ago she was widowed at age 27 when her husband died in an auto accident near their home in North County.
- [It's Your Life](https://www.wife.org/its_your_life.htm) - When I hosted our firm's quarterly women's luncheon last month, I again was struck at the community and support women offer each other. Although we talk about financial issues, it's the sharing and honest discussion of what is going on in each of our lives that inspires and encourages each one of us. Helen, in
- [Widow Finds Credit Tied Up in Husband's Name](https://www.wife.org/widow_finds_credit_tied_up_in_husbands_name.htm) - After being widowed this spring at age 55, reader Lorraine from Temecula found out that her deceased husband's credit was worth more than hers. Once she began to recover from the shock of losing her husband, she knew she should change accounts to her own name. She started with Sears, where she and her husband
- [The Cost of Raising a Child](https://www.wife.org/the-cost-of-raising-a-child.htm) - When our daughter Carrie was in high school, she worked at Starbucks after school and on weekends. She saved half of her paycheck for future college expenses and spent the rest on current teenage “necessities” such as MP3 players, shoes and fashion. If you asked Carrie, she was practically self-supporting. She loved the independence, and
- [Decorate Your Financial Future With Style](https://www.wife.org/features_bottomline_moneymatters_0701.htm) - When I was first given the opportunity to write this column, some of my staff asked, "Why put a financial advice article in a magazine about home decorating?" They wondered whether my readers would have any interest in financial planning, and whether they would embrace the concepts I wanted to address. I understood however, that
- [Your Investment Strategy](https://www.wife.org/features_bottomline_investmentstrategy.htm) - Volatile Times in the Market Raise Lots of Questions. Wondering how to invest and what to invest in? Your first step should be to formulate an investment strategy. To do that, ask yourself these questions concerning your exceptions and preferences. What period of time are you investing for?A short-term investor needs the money in one
- [Heart to Heart](https://www.wife.org/features_bottomline_hearttoheart.htm) - It's an uncomfortable conversation to have with your parents...and I am not referring to the birds and the bees. This one involves their estate and resolving any uncertainties before they're gone. Death is not a pleasant subject, but it is going to come eventually and it's better to be prepared. Assure your parents that you
- [Be Safe, Not Sorry](https://www.wife.org/features_bottomline_safenotsorry.htm) - What Steps Can You Take Now to Protect the Security of Your Family? One of your first financial goals should be protecting your family's security from a financial crisis. To do this, you need to look at four things: First, it's important to have enough insurance in all major areas. These major areas are life,
- [A Penny Saved](https://www.wife.org/features_bottomline_pennysaved.htm) - Before saying you have no money to save, check out the "Latte Factor." This may be a savings strategy you've overlooked when looking for ways to save money. What is the "Latte Factor"? Let's make up an example. Tom is a 23 year old, working in an office somewhere, and not getting paid a whole
- [Social Security Retirement?  Plan for Social In-Security...](https://www.wife.org/features_bottomline_socialinsecurity.htm) - Thinking Social Security is a major source of retirement income? Think Again. If you're counting on Social Security as a major part of your retirement income…watch out! The Social Security system is increasingly strained. With people living longer and better health care, more and more people are drawing benefits. To give you an idea: In
- [Building Wealth Basics](https://www.wife.org/features_bottomline_wealthbasics.htm) - 5 Basic building blocks that will start you on the road to financial freedom. When the great master told her pupil, "You must first learn to walk before you can run." She could have very well been giving financial advice. Wealth building is a result of organization, planning, and motivation. Take these 5 tips to
- [Gimmie! Gimmie! Gimmie!](https://www.wife.org/gimmie-gimmie-gimmie.htm) - Do your kids think you’re made of money? Does it seem like every time you turn around your forking out dough to your kids? Maybe, it’s time to start teaching them the meaning of that old expression, "Money doesn’t grow on trees" Here are some helpful ideas to make them start respecting the hard work
- [5 steps you can take to ease your financial transition from divorce](https://www.wife.org/features_bottomline_suddenlysingle.htm) - Just because your marriage went down the drain, doesn’t mean your money has to follow. The emotional burden of a divorce can be overwhelming. Now add to that the financial adjustments you have to go through and it becomes frightening. But don’t fret, there are certain steps you can take to get your "Divorce and
- [4 Credit Score Secrets](https://www.wife.org/features_bottomline_creditscores.htm) - So you want to buy a car or a house? How about get a credit card or a mobile phone? You won’t get any of those things until they check your credit score. There are three main credit scoring agencies – Equifax, Experian and Trans Union. They each issue credit reports showing your creditors’ names,
- [4 ways to stretch your paycheck and put your money back in your pocket!](https://www.wife.org/features_bottomline_stretchpaycheck.htm) - Wait! Before you reach into your pocket you might want to read this. Switch to a free ATM card. Automatic teller machines (ATM) are a great convenience, but if you're being charged a fee to use them, the costs can add up. If your bank charges a fee find a different bank. ANNUAL SAVINGS: $30+
- [Managing Inherited Wealth](https://www.wife.org/bahr.htm) - Dream or Nightmare? Money Can Be Both Tamara had dreamed that one day she’d have wealth. One day she did, but it came as a nightmare rather than a dream, when a fiery plane crash killed her husband and two of her four children. For five long years she battled the airline at fault for
- [Going Back to Work? Start Fresh...And Smart!](https://www.wife.org/going-back-to-work.htm) - If you are among the thousands of women who will be sticking their toes back in the job-hunting stream soon, take a deep breath! It's okay to feel a bit nervous. Whether you've been at home raising a family, suffered recent divorce or widowhood, lost your employment, or re-located, the game remains the same. You
- [Cutting College Costs](https://www.wife.org/features_bottomline_collegecosts.htm) - Hopefully you planned ahead and have a nice chunk of change set aside for the costs of college. Figure out how much you’ll need for junior’s education with the Save for College at VISA USA’s education website Practical Money Skills. If your savings come up short, don’t despair -- there are a lot of things you can
- [Mrs. Winkler Was Right](https://www.wife.org/mrs-winkler-was-right.htm) - Many years ago in a Milwaukee schoolroom my first grade teacher Mrs. Winkler worked hard to instill in her young pupils the principles of personal responsibility and proper behavior. She also made sure we girls and boys left her care with a solid grounding in the fundamentals of basic math—Two plus Two equals Four. Mrs.
- [Beware These Risks  to a Comfortable Retirement](https://www.wife.org/beware-these-risks-to-a-comfortable-retirement.htm) - Americans are more at risk than ever before of not being able to maintain their same standard of living after they retire. The National Retirement Risk Index shows that in 2012 the number of at-risk households increased from 44% to 53% in the previous five years. This reflects the effects of the poor job market,
- [A Wise Risk Today Brings Good Fortune Tomorrow](https://www.wife.org/a-wise-risk-today-brings-good-fortune-tomorrow.htm) - Investing for the future is always a game of chance, and risk-taking is part of the game plan. All investing involves some element of risk. The secret is to be a wise risk-taker and find the right balance for you between hopeful excitement and sleepless nights. While it's natural to fear risk, it helps to
- [What is Your Greatest Risk?](https://www.wife.org/what-is-your-greatest-risk.htm) - My grandmother and my mother-in-law each lived to age 96. Many of us know women who lived to age 100 or later. A lot of women are afraid of a stock market decline, but because we are living longer than ever before, there’s actually something that could be more devastating to your hard earned wealth—the
- [Life After Divorce: Time to Reevaluate Your Financial Life](https://www.wife.org/time-to-reevaluate-your-financial-life.htm) - Ironing out a divorce settlement, attending various court hearings, and dealing with competing attorneys can all weigh heavily on all the parties involved. But now that you’ve made it through the process, it’s time to reevaluate your financial life as a single person. Take control of your debt While you're adjusting to your new budget,
- [Success Is Contagious – Catch Some Today!](https://www.wife.org/success-is-contagious.htm) - Attention, ladies! Don’t let yesterday’s negative perceptions dim your financial hopes. In case you haven’t heard, financial stars are on the rise for today’s woman. Almost half of Americans with assets greater than $500,000 are women, and women control more than half of the private wealth in America. Women hold almost 50% of all corporate
- [If You Sold Investments Last Year, You’ll Need to Figure Out Your Cost Basis for Tax Time](https://www.wife.org/sold-investments-last-year-youll-need-figure-cost-basis-tax-time.htm) - If you sold stocks or mutual funds last year, hopefully you made a tidy profit (whoo-hoo!). Of course, Uncle Sam wants his cut of the profits, which are considered capital gains. The tax you owe will depend on your income bracket and how long you’ve owned the investments. If you owned them for a year
- [Get Organized -- It's Tax Time Again](https://www.wife.org/taxtalk-taxtime.htm) - It's that time again! Whether you prepare your own tax return or employ a tax preparer, it's time to gather information about your income and deductions. Ugh! Compiling tax information is not the most fun thing in the world- but you gotta do what you gotta do, right? First, gather all of the statements you
- [Do Your Investments Reflect Your Values?](https://www.wife.org/investments-reflect-values.htm) - Every day we make important decisions that reflect our values. Maybe you paid an extra $0.50 for a free-trade coffee or rode your bike to work. Maybe your trunk is filled with reusable grocery bags, and your roof boasts shiny solar panels. Many of us are willing to put our dollars where our values are,
- [He Says, She Says](https://www.wife.org/hesaysshesays.htm) - If your spouse is a risk-taker and you are not (or vice versa), it's sometimes difficult for you to understand each other. The words just don't mean what they would mean if you were saying them. With that in mind (and of course a firm desire to improve communication between the sexes), we offer you this handy
- [Financial Infidelity](https://www.wife.org/financial-infidelity.htm) - Infidelity. Most couples think it’s a relationship breaker. But in many relationships a surprisingly amount of infidelity goes on every day without a word. Financial infidelity, rampant in many relationships, may go unnoticed at first. It could be as little as hiding small purchases from a spouse or as large as blatant disregard for a
- [Facing Your Money Fears](https://www.wife.org/facing-your-money-fears.htm) - Let's clean out the old subconscious, shall we? People hang onto their money fears long after the danger has passed, and they worry about things that will never, ever come to pass. How much of what you worry about actually happens? For this one, you'll need some paper and a timer. Set the timer for 15
- [Out of Sight, Out of Mind](https://www.wife.org/automatic-investment-deposits.htm) - "Out of sight out of mind" is a great philosophy when it comes to building up your savings. While you're at it, why not start "practicing" retirement?
- [Financial Education and Empowerment](https://www.wife.org/financial-education-and-empowerment.htm) - Your financial situation has an incredible effect on the quality of your life. It's important to define your long-term goals and create an investment strategy to help achieve those goals.
- [Managing Money During and After Divorce](https://www.wife.org/managing-money-during-and-after-divorce.htm) - As you begin life on your own, here are some tips to protect yourself and begin building financial security for the future.
- [Holiday Shopping Tips to Keep You from Breaking the Bank](https://www.wife.org/shopping-days-left-till-holidays.htm) - Here are some smart planning tips courtesy of Bills.com that can help you save $500 or more before the holidays. Budget Before employing any other savings tactics, create a holiday budget. Calculate the amount available to spend on holiday festivities, including gifts, cards, postage, decorations, entertaining, tips and travel costs. Break up with the barista Breaking
- [Tax Break For Widows](https://www.wife.org/ss-taxbreaks4widows.htm) - I was widowed this year, and a friend told me she heard there are some tax breaks for widows. Can you help? Yes. As a widow, you may file a joint return for the year he died. In addition, if you still have a dependent child at home, you may use the joint return
- [Mortgage Insurance](https://www.wife.org/foreman-006.htm) - Dear Dollar Stretcher, My husband and I bought a house 18 months ago. We went in with less than 20% down, and so are stuck paying mortgage insurance to the tune of over $80 per month. What exactly is mortgage insurance for, and is it possible for us to "cancel" our mortgage insurance by showing
- [Small Steps for Achieving Your Financial Goals ](https://www.wife.org/smallstep-financial-goals.htm) - Brainstorm 10 (small) money dreams that you want to achieve this year. Then choose two or three dreams and figure out what your first step should be to achieve that dream. Pick an attribute you aspire to. Make this a goal by visualizing and vocalizing it. Say, “I am feeling more _________ each day”. Say
- [Ginita Wall Talks Dollars and Sense to the Soon-To-Be Divorced](https://www.wife.org/about-gwall-metropolitan.htm) - San Diego Metropolitan BY LYNNE CARRIER March 2002 About half the forensic CPA's clients are men, but that's little solace to the money cheating males she nails. Certified public accountant Ginita Wall is a kind of private detective. But instead of searching for missing persons, she's called in to solve the mystery of cash that disappears when
- [A WIFE for Women](https://www.wife.org/about_sdmagazine_0303.htm) - A WIFE for Women by Eilene Zimmerman San Diego Magazine, March 2003 This article is also available in PDF format A local nonprofit aims to teach females how to take financial control of their lives after major life transitions -- like divorce IN THE SPACE OF ONE MONTH IN 1988, five women visited the office
- [Candace Bahr Gets Top 10 Honor](https://www.wife.org/candace-bahr-gets-top-10-honor.htm) - Helps Educate Women on the Financial World Financial planner Candace Bahr has been named one of the top 10 "Most Outstanding Brokers" in the country by Registered Rep., a national financial trade publication. The magazine article on the choices said the brokers it picked "are adding new clients, showing positive returns and generating healthy fees
- [Divorce Survival Guide ](https://www.wife.org/divorce-survival-guide.htm) - Expert on a mission to help women handle money By Patty McCormac San Diego Union Tribune CARMEL VALLEY – Ginita Wall hands out bumper stickers that read: "A man is not a financial plan.™" It's not that she dislikes men. This is one of the ways she gets her message across that women need to
- [WIFE and Money Clubs in the News](https://www.wife.org/in-the-news.htm) - WIFE.org and the Money Clubs have been featured in numerous magazines, newspapers, journals and websites. WIFE founders Candace Bahr and Ginita Wall have frequently appeared on radio and television broadcasts, including NBC Nightly News, MSNBC, CBS This Morning, CNNfn, PBS and National Public Radio.
- [Co-Founder Honored with Local and National Recognition](https://www.wife.org/co-founder-honored-with-local-and-national-recognition.htm) - Candace Bahr named top wealth manager in San Diego for fourth consecutive year; also named national leader in assisting women in areas of finance by LPL Financial, the nation’s largest independent broker-dealer* and investment firm in the United States.
- [Del Mar Times: A 25-Year Tradition Helps Wipe Away Drama of Divorce](https://www.wife.org/del-mar-times.htm) - Divorce can be one of the most isolating, stressful processes a person can go through in their entire life. Along with the emotional toll from a dissolution of a marriage, there are a variety of important factors and decisions that need to be made, many of them difficult. Fortunately for North County residents, for the
- [Women and Successful Money Management](https://www.wife.org/women-and-successful-money-management-an-interview-with-candace-bahr-co-founder-of-wife-org.htm) - An interview with Candace Bahr, co-founder of WIFE.org by: Donald Liebenson Millionaires Corner When Candace Bahr hears about a new survey that found that the gender financial literacy gap is widening, she asks to hear the particulars before commenting. And when she hears the particulars, she laughs. Bahr, the managing partner of the Bahr Investment
- [San Diego Union-Tribune: Making a Difference](https://www.wife.org/when-a-woman-needs-a-wife.htm) - When a woman needs a WIFE Nonprofit helps women save their money and themselves The event is called “Second Saturday,” but for many of the women attending this monthly divorce workshop at Mira Costa College, it is all about firsts. The first time they received comforting advice about a scary topic. The first time someone
- [Ranch and Coast Magazine: Money Matters](https://www.wife.org/ranch-and-coast-magazine-money-matters.htm) - When she was 25, Elizabeth Bryan fell "wildly in love." "He waved a magic wand" she says, "and my life went from working in an art gallery in New York to flying around the world first class, hot air balloons in Italy, yachts in Greece, this unbelievable, incredible life." Like many women, she was fine
- [Chicago Tribune: Financial Services Industry Catering to More Women](https://www.wife.org/financial-services-industry-catering-to-more-women.htm) - Candace Bahr, managing partner of the Bahr Investment Group and co-founder of WIFE.org says women and men want competent money management first, but many advisers fail to understand the relationship women often want with their advisers.
- [Millionaire Corner: An interview with Candace Bahr](https://www.wife.org/millionaire-corner-an-interview-with-candace-bahr.htm) - Women Have all the Characteristics for Successful Money Management This article originally appeared in MillionaireCorner.com (July 2, 2012) When Candace Bahr hears about a new survey that found that the gender financial literacy gap is widening, she asks to hear the particulars before commenting. And when she hears the particulars, she laughs. Bahr, the managing partner of
- [Wall Street Journal: Clients From Venus](https://www.wife.org/clients-from-venus.htm) - This article originally appeared in the Wall Street Journal (April 30, 2012) Some advisers think they have found the next big niche: women. Women control $8 trillion in assets in the U.S., and by 2020 are expected to control $22 trillion, according to TD Ameritrade Institutional, a division of TD Ameritrade Inc. Individual women are
- [San Diego U-T: For Love and Money](https://www.wife.org/san-diego-u-t-for-love-and-money.htm) - Love and money can lead to disaster if couples don’t consider finances together. A recent survey put money disagreements as the top reason couples argued, ahead of arguments about children, chores, work or friends, according to a survey by Harris Interactive and the American Institute of CPAs. Divorce.com puts financial problems at the top of its list
- [Women’s History Month: 2013 Honorees](https://www.wife.org/womens-history-month-2013-honoree.htm) - Women’s History Month: 2013 Honoree Candace Bahr & Ginita Wall Teach Women to Become Financially Savvy
- [KPBS San Diego: WIFE Co-Founders Talk About Women and Their Money](https://www.wife.org/kpbs-san-diego-women-and-their-money.htm) - WIFE co-founders Ginita Wall and Candace Bahr appearance on KPBS San Diego to talk about divorce, finances, Second Saturday and the 25th anniversary of WIFE.org
- [Local Heroes: WIFE Co-Founders Honored by Union Bank and KPBS](https://www.wife.org/union-bank-and-kpbs-honor-san-diego-women-as-local-heroes.htm) - As part of its ongoing commitment to cultural diversity and responsible banking, and in celebration of Women’s History Month, Union Bank, N.A., has partnered with KPBS to honor three extraordinary San Diegans for the 2013 Local Heroes program. The 2013 Women History Month honorees are: Candace Bahr and Ginita Wall and Amina Sheik Mohamed. As
- [For Women, a Different Networking Strategy](https://www.wife.org/for-women-a-different-networking-strategy.htm) - BY: ANN MARSH FINANCIAL PLANNING TUESDAY, SEPTEMBER 3, 2013 Strategic marketing customized for female clients helped longtime planner Candace Bahr build her practice up to $100 million in AUM. What steps did she take? Find out at the upcoming Women Advisors Forum, set for Oct. 29 in Chicago, where Bahr is set to speak. “Women need
- [Are You an 'Innie' or 'Outtie'?](https://www.wife.org/innie-outtie.htm) - The story that always breaks my heart is when someone who has been married for many years (usually her entire adult life) is faced with divorce and she has absolutely no clue about the couple's financial picture. This is called being the "Out-Spouse," and it's far more often the woman in a hetero couple. Read More
- [How to Plan for a Secure Retirement](https://www.wife.org/how-to-plan-for-a-secure-retirement.htm)
- [Money Talks, Love Listens](https://www.wife.org/money-talks-love-listens-2.htm)
- [It's More Than Money, It's Your Life](https://www.wife.org/its-more-than-money-its-your-life.htm)
- [A Man is Not a Financial Plan](https://www.wife.org/man-is-not-a-financial-plan-video.htm)
- [The #1 Concern About Retirement](https://www.wife.org/the-1-concern-about-retirement.htm)
- [What's Key When Reviewing Financial Professionals](https://www.wife.org/on-financial-professionals.htm)
- [What Money to Take First](https://www.wife.org/what-money-to-take-first.htm)
- [The $200,000 Difference](https://www.wife.org/the-200000-difference.htm)
- [Making a Clear Distinction Between Morningstar’s Dual Fund Rating Systems](https://www.wife.org/making-clear-distinction-morningstars-dual-fund-rating-systems.htm) - Recently, I was asked by a beginning fund investor to explain why Morningstar has two “ratings” on mutual funds, and which one should she use. She made reference to an article [“Flummoxed by Our Ratings? Here’s What You Need to Know,”] on Morningstar’s website written by Russell Kinnel, director of manager research for Morningstar. The
- [What Matters Most](https://www.wife.org/features-savvy-what-matters-most.htm) - What matters most to you? Is it having the best, the shiniest, the most expensive new-fangled thing? Having it before everybody else? Or is it… To awaken each day relaxed and happy and not dreading the day to come, to have the time to enjoy your children, to watch your garden grow, to be free
- [What We’ve Learned So Far](https://www.wife.org/what-weve-learned-so-far.htm) - After well over 25 years at the non-profit Women’s Institute for Financial Education (WIFE.org) we find that we’ve learned a lot. Here are some of the things that experience has taught us about investing. Saving a little can mean a lot. If you save $5 a day for your entire working life, you can retire
- [Helping Creates Happiness and Health](https://www.wife.org/helping-creates-happiness-and-health.htm) - Give your abundant life a hearty boost this fall—find a giving opportunity! Shelve books for the library, work the community health fair, bake cupcakes for the nursing home’s monthly birthday party. Choose a way to give back that pleases you—and see how good doing good can make you feel. Amazing new research shows a direct
- [Make A Wish This Thanksgiving And Then Make It Come True](https://www.wife.org/thanksgiving-wish.htm) - This Thanksgiving, families and friends across the country will sit around the dinner table and consider the things they are thankful for. In a world that pushes us to want more than we have, it’s nice to actually appreciate the abundance already in our lives. Still, there is always a place for dreams in Thanksgiving.
- [A Mutual Fund All About Women ](https://www.wife.org/mutual-fund-women.htm) - If you go to Morningstar.com and type in PXWEX in the Quote box, you’ll get its take, albeit a limited one, on Pax Ellevate Global Women’s Index Fund [hereafter referred to as PXWEX or Fund], which should be, for obvious reasons, of interest to the membership of WIFE. This fund made the news in June
- [Make a Wish This Thanksgiving and Then Make It Come True](https://www.wife.org/make-a-thanksgiving-wish-come-true.htm) - This Thanksgiving, families and friends across the country will sit around the dinner table and consider the things they are thankful for. In a world that pushes us to want more than we have, it’s nice to actually appreciate the abundance already in our lives. Still, there is always a place for dreams in Thanksgiving.
- [The One, Two, Three of Investing](https://www.wife.org/1-2-3-of-investing.htm) - From what we’ve seen over the past 20 years, women are more likely to be better investors than men. Here’s why: They tend to research their investments more thoroughly and invest to meet specific long-term goals. They are inclined to hold onto their investments longer than their male counterparts, and panic less easily, even when
- [A Wise Risk Today Brings Good Fortune Tomorrow](https://www.wife.org/awiserisktoday.htm) - Perhaps it was Confucius who said, “Nothing ventured, nothing gained.” Investing for the future is always a game of chance and risk-taking is part of the game plan. The goal is to make your money grow—keeping ahead of inflation, using interest rates to your advantage in saving and borrowing, riding safely through the ups and
- [21-Day Savings Makeover](https://www.wife.org/21-day-savings-makeover.htm) - Please Sign Me Up For the 21-Day Savings Makeover Every day for 21 days, we will send you an email with one Small Step you can do to move you closer to your goal, and to motivate you to succeed and prosper. Trust your Money Guides to show you how. This is Temporarily Unavailable. Please Check
- [21-Day Debt Makeover](https://www.wife.org/21-day-debt-makeover.htm) - Please Sign Me Up For the 21-Day Debt Makeover Every day for 21 days, we will send you an email with one Small Step you can do to move you closer to your goal, and to motivate you to succeed and prosper. Trust your Money Guides to show you how. It's free, it's educational, and
- [Some Factual Perspective for Bond Fund Investors](https://www.wife.org/factual-perspective-bond-fund-investors.htm) - Tim Buckley succeeded Gus Sauter as Vanguard’s chief investment officer over a year ago. Among various topics touched on during an introductory interview, the comments of Mr. Buckley on the challenges facing bond investors back then are worth repeating now: “Bonds … are an area of concern for us [Vanguard]. … At the same time,
- [quiz-riskfactor-results](https://www.wife.org/quiz-riskfactor-results.htm) - Results: A: B: C: back to quiz
- [Long-Term Care is a Woman’s Issue](https://www.wife.org/long-term-health-care.htm) - Women! Hear us! We know you don’t need anything else to worry about, what with working, caring for children, and being the only one who replaces the toilet paper roll when it’s empty. But there is a crisis in long-term care coming to America that will affect you and your family profoundly. According to US
- [Five Money Myths That Can Keep You Apart](https://www.wife.org/money_family_5moneymyths.htm) - Managing money with your significant other is difficult enough. Don't burden your relationship with half-truths that can make it even harder. Make sure these five money myths aren't keeping you apart. The partner who earns more, knows more. Your earnings are only a measure of how much you earn right now, period. They don't represent
- [Financial Planning for a May-December Relationship](https://www.wife.org/financial-planning-for-a-may-december-relationship.htm) - May to December relationships used to be about the younger woman marrying the older man, but more and more often we see a younger man marrying the older woman . Marriage between contemporaries is tough, but a 20-to-30-year age difference can make it a whole new ballgame. For couples far apart in age considering a
- [Don’t get taken in by the latest financial scam](https://www.wife.org/financial-scams.htm) - Can you spot a financial scam. The new Financial Fraud and Susceptibility survey bets you can’t. About 40% of the 2,400 people surveyed recently said they’d be enticed by a fully guaranteed investment, especially if it offered an annual return of 110%. Really? Bernie Madoff’s guaranteed return rate was only 12%, and that was clearly
- [Parlez-Vous Financial Planning?](https://www.wife.org/hello-do-you-speak-financial-planning.htm) - Women rule financially, but men rule where we get our advice about investing. The fact is that women control 52% of the wealth in our nation, and will control a full two-thirds in the next decade. This is amazing news – except for the fact that 85% of advisors are male, and many are not
- [Want to Attract More Women Clients? It’s a Science.](https://www.wife.org/want-attract-women-clients-science.htm) - A cartoon I saw recently shows a male advisor pitching a woman prospect from across the desk. He’s explaining all the facts and figures about markets and indices and asset allocation models. Next panel: She’s left his office, and he’s pumping his fist in the air saying, “Nailed it! I told her everything she needed
- [Attracting Women Clients: First, Identify Their R.E.A.L. Needs](https://www.wife.org/attracting-women-clients-first-identify-their-r-e-a-l-needs.htm) - WIFE.org co-founders Candace Bahr, CEA, CDFA and Ginita Wall discuss the importance of women's R.E.A.L. needs in a recent article featured in Horsesmouth. Excerpt: Women need financial advisors, and advisors need clients. Women hold more than half the wealth in this country and are projected to hold up to 63% by 2020. Because women have
- [WIFE 25th Anniversary](https://www.wife.org/our-25th-anniversary.htm) - At WIFE.org, we are launching our latest endeavor, the Women’s Choice Financial Advisors Program.
- [Net Asset Value & Total Return – Clarifying Two Key Mutual Fund Data Points](https://www.wife.org/net-asset-value-total-return-clarifying-two-key-mutual-fund-data-points.htm) - It has been my experience with many attendees at my investment education lectures that they do not have a clear understanding of two basic mutual fund concepts – net asset value (NAV) and total return (TR). While related, these two features of fund investing have two distinct functions – the former relates to the pricing
- [15 Ways to Date Your Mate](https://www.wife.org/15-ways-to-date-your-mate.htm) - Is Date Night a drain on your finances, with the babysitter, fancy restaurants, theatre tickets, and cab fares? Here are some ideas for great cheap dates with your honey that will save you lots of cash without skimping on the romance. Eat a simple, nutritious dinner at home, and then go out for a truly
- [The Joy Team](https://www.wife.org/joy-team.htm) - To me, April means the true beginning of spring – flowers catch my eye, the weather really starts to turn, and people just seem happier. This month, we are celebrating that feeling by sharing Michele McKeag Larsen, and her non-profit, The Joy Team. The Joy Team has a simple premise: spreading joy, optimism and inspiration
- [Second Saturday Divorce Workshop Goes National](https://www.wife.org/second-saturday-divorce-workshop-goes-national.htm) - Here at WIFE.org, we’ll think back on spring of 2014 as a time of amazing growth – our Second Saturday Divorce workshop expansion has been going gangbusters, with new workshops sprouting up around the country. Ginita has done a beyond phenomenal job putting together twenty-five years of tried and true materials to share with our
- [Morningstar’s Stars – Perry Como Got It Right](https://www.wife.org/morningstars-stars-perry-como-got-right.htm) - Readers in the so-called “senior” category will remember Perry Como as one of America’s favorite pop vocalists and television performers, with a career that stretched from the 1940s to the late 1980s. If you’re a youngster, ask your parents and they’ll confirm my story. In 1952, Como’s song “Don’t Let the Stars Get in Your
- [Cost of Living Calculator](https://www.wife.org/cost-of-living-calculator.htm) - How much did it cost ten years ago for a gallon of gas? How about a loaf of bread in 1954? A new house in 1927?
- [Five Financial Fixes for Tough Times](https://www.wife.org/financial-fixes.htm) - 1. When the surf's up, ride the waves. Dramatic fluctuations in the stock market allow you to "buy the dips". With stock prices so volatile, prices may be down next payday when you contribute to your 401(k) plan. This means that you'll be getting more shares for your money. Let's say that you contribute $500
- [To Roth Or Not To Roth](https://www.wife.org/taxtalk-roth.htm) - To Roth or not to Roth, that is the question. At least, that is the question on many people's minds this year. Beginning in 2010, Uncle Sam lifted the income limits on Roth IRA conversions. Here are the answers to some of the questions you've been asking about the Roth IRAs. Why are Roth IRAs
- [Picking The Right Mutual Fund](https://www.wife.org/wall.htm) - Your e-mails tell me time and again that one of the most daunting tasks you face is picking mutual funds and monitoring their progress. I’m so busy, you say – how can I make this task easier and less overwhelming? People often take a hodgepodge approach to their investments – even those who read the
- [Will the Bull Market End?](https://www.wife.org/bullmarketend.htm) - We have now reached a milestone – the Dow Jones Industrial Average has reached 13,000, and prosperity continues. But economic indicators are mixed, and eventually the economy will slide into recession. Here's how future economic developments may affect you. Q: If we have a recession, does it mean the stock market boom is over for
- [Prenups Aren’t Just for the Rich and Famous](https://www.wife.org/prenups-not-just-for-rich-and-famous.htm) - Who had a prenup when they married, Britney Spears or Paul McCartney? Score one if you chose the blonde bubblehead over the savvy billionaire Brit. Paul McCartney lost $50 million to his ex-wife Heather Mills in their March 2008 divorce court battle. But Britney’s preplanning paid off: she paid just $300,000 to shed Kevin, leaving
- [Estate Planning is Dead!  Long Live Estate Planning!](https://www.wife.org/taxtalk-estateplanning.htm) - In the wake of the excitement from the "biggest tax reduction in 20 years", we taxpayers are left with the daunting task of figuring out exactly what was reduced. Take the estate tax "repeal" promised by President Bush—please. From all of the hype, you might think that the estate tax is being slowly phased out
- [The Dow Jones Industrials](https://www.wife.org/hodge.htm) - By Virginia Hodge "The Dow reaches new Highs!" blares the television. But what is the Dow? Way back in 1880 a newspaper reporter named Charles Dow began writing for the New York Mail and Express. Later he and Edward Jones formed the Dow Jones News Company, the predecessor to Wall Street Journal. Jones was the
- [Overcoming "Bag Lady" Anxieties](https://www.wife.org/overcoming-bag-lady-anxieties.htm) - Today's women are no longer the weaker sex financially. Recent census figures show an unprecedented societal and economic shift. About 27 percent of married households identify the woman as the head of household, earning a greater income than her husband. The number of women earning $100,000 or more has quadrupled in the last decade. Women
- [It's Never Too Late to Get Started Saving for College](https://www.wife.org/nevertoolate.htm) - The best thing you can do is start saving for college while your kids are in diapers. But it's never too late to begin. Even if you don't implement your strategy until your kids are in high school, you can make great strides toward meeting your savings goals. Here's how to get started. Start a
- [Tax Changes That Affect You](https://www.wife.org/taxtalk-checkinmail.htm) - Wouldn't you think that Congress had fiddled enough with the tax laws? Not hardly, it seems. Each year they find some new tax lever to pull that will "improve the economy" and 2003 was no exception. No matter whether you think the changes to the tax law are right or wrong, you can't afford to
- [Start Your Tax Planning Early](https://www.wife.org/tax-planning-now.htm) - If you start your tax planning early you'll have plenty of time to work on strategies to lower your tax “bite” for the coming year. Review your investments If you have taxable income from investments, consider investments that are tax-deferred (retirement plans and deferred annuities) or tax-free (municipal bonds, Roth IRAs, 529 education plans). Match
- [Living Apart Together](https://www.wife.org/living-apart-together.htm) - Today, my husband of almost seven years is packing to move out. We loved it when we lived in different states and saw each other two weeks a month. Living together full time with two dogs, four cats that don’t get along and an ever-starving teenage son has literally put us in different states –
- [What Should Fund Investors Do With Style Boxes? Use Them!](https://www.wife.org/fund-investors-style-boxes-use.htm) - Background Several years ago, Morningstar’s Don Phillips invented what is called a style box, now widely used by the investment community to categorize mutual funds according to investment characteristics of their portfolios. Fund categorization allows investors to diversify the asset-allocation of their portfolios by choosing a selection of funds according to varying degrees of risk
- [Time Out: Taking the Next Step Toward a Balanced Life](https://www.wife.org/balance.htm) - An excerpt from the seminar "Your Career and Your Life: Balancing the Balancing Act" For most people, the only time their lives seem in perfect balance is on vacation, when they relax and enjoy everything around them. But in our day-to-day activity, life feels unbalanced and provides a very bumpy ride. To balance your life,
- [Make a Difference:  Capture the Power of the Three E's](https://www.wife.org/features-savvy-makeadifference.htm) - What can you do to make a difference? How can you use your time, talents and money most effectively? When we started WIFE twentythree years ago, we developed five guiding principles to make sure that we were using our resources in the most effective way. We continue to use these principles today. And so can
- [Common Sense: You Can’t See It or Touch It, But It’s a Great Investing Tool](https://www.wife.org/common-sense-cant-see-touch-great-investing-tool.htm) - Fund investors have dozens of tools to choose from to help them make smart mutual fund investment choices. Fund databases, websites, calculators, screening software, newsletters, videos, publications, message boards, and financial media are readily available. For many individuals, the investing process is a bit of a mystery, and they are intimidated by a perceived information-overload.
- [Sizing Up Your Investment Risk](https://www.wife.org/sizing-investment-risk.htm) - Albert Einstein – “Not Everything That Counts Can Be Counted” If you have money in, or are just thinking about, emerging market mutual funds, I would strongly suggest that you incorporate the message found in the Einstein quote in your thought process. The investment community’s assessment of emerging markets seems to focus its evaluations on
- [Money Clubs…Free, Non-fattening and Fun!](https://www.wife.org/money-clubs-free.htm) - I had a very inspiring day talking to all of the women and groups around the country who have been using Money Clubs, the educational curriculum developed by Candace and Ginita almost twelve years ago. From getting out of debt to budgeting, saving to retirement and everything in between, the free information and resources they
- [The Cost of Christmas is on the Rise Again](https://www.wife.org/cost-christmas-rise.htm) - Ever wonder what the twelve days of Christmas would cost in today’s dollars? Well, believe it or not PNC Wealth Management has been tracking exactly that for 30 years. The cost of the gifts in song “The Twelve Days of Christmas” is $27,393.17 in 2013, almost $1,200 more than last year. Build the gifts from
- [Home Improvements -- A Good Investment or Not?](https://www.wife.org/money_invest_homeimprovement.htm) - Making changes to your home can disrupt your life, and it can be harmful to your finances as well. Before you decide on your next home improvement project, check out how much it will improve your home's value. According to figures from the National Association of the Remodeling Industry, remodeling your kitchen or bathroom is
- [Shopping for a House](https://www.wife.org/money-invest-house-shopping.htm) - Is it time to go house hunting? If so, here are eight great tips to help you get the best deal: Start with the basics. Read the classifieds, visit open houses, and let brokers know what kind of housing you're seeking. Apply to a lender for preapproval so you'll know exactly how much home you can
- [Financing Your Home In Today’s Economy](https://www.wife.org/financing-home-in-todays-economy.htm) - Appraisals are costlier, and the results less favorable. Many would-be home buyers are receiving lower-than-anticipated appraisals on desired properties. Appraisers now will count only comparative property sales during the last three months. Fannie Mae and Freddie Mac are requiring appraisers to complete additional research and reporting, and many appraisers are charging more for this extra work. Loans
- [Is Your Home Keeping You Together?](https://www.wife.org/is-your-home-keeping-you-together.htm) - Home sale prices dropped during the past few years, and in many communities the market is starting to move up, with buyers outnumbering sellers. But even so, if you are divorcing, selling your home can be a challenge in dividing up your assets. Your home likely is the largest asset that you and your spouse own, and
- [Pay More Taxes – You'll Be Richer](https://www.wife.org/taxtalk-paymore.htm) - This time of year, most Americans have income taxes on their minds, but some people hurt themselves financially by putting tax savings first and economic benefits second. Here are some tax-reduction schemes that may end up costing you more than you save: Municipal bonds The interest paid by municipal bonds issued within your state are tax
- [To Lease Or Not To Lease, That Is The Question](https://www.wife.org/autolease.htm) - If you are in the market for a new car, you may have been tempted by the low monthly payments featured in the advertisements for leasing arrangements. With a lease, you can expect to make little or no down payment and make lower monthly payments. At the end of the lease period, you don’t have
- [Vacation on a Budget](https://www.wife.org/vacationonabudget.htm) - Are your vacations so hectic that you need to get back to work to relax once you return? Are you still paying off your last vacation while booking your next one? Here’s a way to abandon the stressful vacation payment treadmill, and relax on the cheap this summer. Get away without going away. Whenever my
- [MortgageLoan.com](https://www.wife.org/mortgageloan-com.htm) - Considering lending your children money for a down payment, or co-signing a mortgage? Here’s a helpful article for parents on the options available to them to help their children to purchase a home. It’s from our latest Cool New Friend, MortgageLoan.com. The website has other great articles about mortgages and financing, along with many different
- [Women’s Wellness Journey](https://www.wife.org/womens-wellness-journey.htm) - Need time to explore and restore? I am excited to share the first EVER “Women’s Wellness Journey” at beautiful Spa Ojai, October 6th – 9th. WIFE co-founder and brilliant wealth expert Candace Bahr and I came up with an innovative (and proprietary) M.A.P. Process. M.A.P. stands for Mindset, Abundance and Purpose – the three key
- [Should Kiplinger’s “Favorite Funds” Be Your Choices? ](https://www.wife.org/should-kiplingers-favorite-funds-be-your-choices.htm) - For several years now, the Kiplinger Personal Finance magazine has put together a selection of mutual fund recommendations it calls the “Kiplinger 25.” This is a portfolio of 25 no-load funds, in five different categories, that it considers to be of top quality. This portfolio, which also appears on the Kiplinger.com website, is fairly static,
- [I Snooped...](https://www.wife.org/i-snooped.htm) - I just found out my husband secretly opened a credit card in his own name and I can't track it.
- [What are my 401K options after divorce is final?](https://www.wife.org/should-be-getting-half-of-the-401k-when-the-divorce-is-final.htm) - Can I use that money as a down payment on a house for me and the kids?
- ["If Only I Had More Money..."](https://www.wife.org/moremoney.htm) - "If Only I Had More Money....I could _______ (fill in the blank)." It's true that money can't buy happiness, but it certainly can help you live the life of your dreams. You don't fancy investment strategies to become financially secure, and you don't need to win the lottery either. Here are five simple steps you
- [BlackRock’s Misguided Guidance – The Devil Is in the Details ](https://www.wife.org/blackrocks-misguided-guidance-the-devil-is-in-the-details.htm) - New York-based investment manager, BlackRock Investments, LLC, started running a full- and half-page color ads in the Wall Street Journal. The attention-grabbing ad headline, in large bold letters, that “Traditional Bond Funds You Once Considered Safe Investments May Not Be So Safe Anymore” must have been a bit unnerving to some bond investors. The advertisements’
- [Get Off the Credit Card Roller Coaster](https://www.wife.org/hirons.htm) - Remember your New Year’s resolution? Not the one about losing weight, the one about finances. You resolved to save more this year and only use your credit cards in an emergency. Then your favorite department store had that great half-price sale and your resolve disappeared. You are in good company. The American Banker’s Association says
- [How I Found Financial Redemption through WIFE.org](https://www.wife.org/man-not-a-plan.htm) - ... and How You Can Too! A Man is NOT a Financial Plan I’m Elizabeth Bryan – I didn’t coin the phrase “A Man is Not a Financial Plan,” (WIFE co-founders Candace Bahr and Ginita Wall so wisely did) but I’m about to tell you why you should pay attention to those words –
- [Finding Your Dream Castle, and Other Housing Dilemmas](https://www.wife.org/money_family_findingdreamhome.htm) - If you decide to invest in a home, you have to find the right one for your needs at the right price. As a first step, get clear on your vision of the house that fits your lifestyle. Do you want a quiet bungalow in the countryside, or a duplex in the heart of downtown?
- [10 Sweet Ways to Say "I Love You" -- on the Cheap](https://www.wife.org/money_family_10inexpensiveiloveyou.htm) - Use these ten sweet ways to say I love you without breaking the bank. They will improve your relationship more. Leave him a love note in his lunch box. Leave her wildflowers at the breakfast table. Call him at work and tell him to come home for an emergency-you. Show up at her work with
- [Teach Your Children Well](https://www.wife.org/teachyourchildrenwell.htm) - Giving your children the gift of a financial education will pay off year after year. Of course, teaching your children about money goes beyond practicing their math skills with your change purse. There are 10 basic areas in which your children can learn about money, and how it works in their lives. Teaching Children Responsibility
- [How Do You Rate on the Money Conflict Scale?](https://www.wife.org/money-conflict-scale.htm) - When it comes to money and marriage, do you and your honey talk through issues? Or scream about them? Or just ignore them? Communicating clearly about money is critical, so take this quiz to see how you score on the money conflict scale. Quiz Instructions Write the numbers 1 through 10 on a sheet of
- [A More Perfect Union](https://www.wife.org/moreperfectunion.htm) - "All marriages are happy. It’s living together afterward that’s difficult." Anonymous Flags, parades, picnics, and fireworks. July is the month we celebrate those traditions and institutions that make our society strong and free. Before the Founding Fathers wrote their plan for “a more perfect union,” they did a lot of thinking, discussing, and a fair
- [Higher Education Just Got Higher](https://www.wife.org/higher-education-just-got-higher.htm) - College kids and their parents are having a tough time of it financially, and it’s going to get a whole lot worse with government cost-cutting, I’m afraid. Public colleges have always been the low-cost alternative to private schools (such as Harvard, Yale and Stanford), but the words “low-cost” don’t really apply any more. The tuition
- [Should You file Taxes Jointly or Separately?](https://www.wife.org/should-you-file-taxes-jointly-or-separately.htm) - It's tax time again, and many are wondering whether they should file jointly with their soon-to-be-ex-spouse. There are many factors that I consider when I meet with clients to determine their best course of action for filing taxes. If you suspect your spouse is cheating on taxes by under-reporting income or over-reporting deductions, you can
- [What To Do If You Are Laid Off](https://www.wife.org/what-to-do-if-you-are-laid-off.htm) - With unemployment still a problem in many locales and occupations, many people fear the possibility of being laid off. Here are some tips for coping with that prospect, courtesy of Ethan Ewing, president of free online consumer portal Bills.com. Negotiate well. If you are laid off, negotiate for a layoff package just as you would for a
- [Reverse Mortgages Can Be Dangerous](https://www.wife.org/reverse-mortgages-can-be-dangerous.htm) - If an older cash-challenged client wants to borrow funds to buy their spouse out of the home, they are often told that if they use a reverse mortgage they'll never have to make a mortgage payment again. Here's how it works: A reverse mortgage converts equity into cash, as a one-time payout, ongoing monthly payments
- [Today’s 5 minute Small Step:  Is this the best use of my thoughts of right now?](https://www.wife.org/todays-5-minute-small-step-is-this-the-best-use-of-my-thoughts-of-right-now.htm) - The first small step we shared was constantly asking yourself, “Is this the best use of my time?” That led me to ask this question throughout the day: Is this the best use of my thoughts right now? The mind averages sixty thousand thoughts per day, and some experts estimate that 80% of these are
- [Job-Applications.com](https://www.wife.org/job-applications-com.htm) - Is your teenager looking for a summer job? Are you looking for employment? Job-Applications.com is a central resource where you can research jobs available and download applications for major employers. In addition to hundreds of printable and online applications for retail stores, department stores, pharmacies, grocery stores, restaurants, shops, etc., you’ll also find tips for putting together
- [A Man is Not a Financial Plan:  Elizabeth’s Story](https://www.wife.org/elizabeths-story.htm) - Okay - I absolutely never set out to find some wealthy guy to provide for me. In fact, if you ask my mother, you’ll hear about the tattooed biker, the penniless musician and the art teacher who pretty much lived in his van (did I just admit that??) Falling head over heels in love with
- [Home transfers in divorce can render mortgage interest non-deductible.](https://www.wife.org/home-transfers-in-divorce-can-render-mortgage-interest-non-deductible.htm) - There are three parties to every divorce: the husband, the wife, and Uncle Sam. Uncle Sam is very picky about interest deductions on home mortgages, and a misstep can cost your client a tax deduction. Here's a common situation that can trip you up, and ways to get around it. Your client agrees to transfer
- [Life After Divorce: Can be Taxing](https://www.wife.org/can-be-taxing.htm) - In addition to the emotional impact a divorce can have, it's important to be aware of how your financial position will be impacted. Consider tax implications You'll also need to consider the tax implications of your divorce. Your sources of income, filing status, and the credits and/or deductions for which you qualify may all be
- [COBRA coverage lasts only 36 months.](https://www.wife.org/cobra-coverage-lasts-only-36-months.htm) - That's the conventional wisdom, but it may not be true. It is true that COBRA, which applies to companies with 20 or more employees, only requires 36 months of group health plan coverage for divorced spouses. But an employer's plan isn't limited to providing only 36 months of coverage, and it may provide for a
- [Rich Mom, Poor Mom](https://www.wife.org/rich-mom-poor-mom.htm) - We inherit many things from our mothers. Mom our first source of nourishment, love, and security, and she’s also a role model for many of the values and beliefs that shape our lives. Knowingly or not, Moms influence their children’s feelings about money, abundance, and prosperity—their sense of whether the glass of life is half-empty
- [The Silver Purse](https://www.wife.org/the-silver-purse.htm) - TheSilverPurse.com is a free, educational site by women and for women. Learn how to invest, explore your relationship with money, and use financial planning to reach your goals.
- ["Netting" A Super Job](https://www.wife.org/kemp-dec98.htm) - To advance in your profession and increase your income it might be time to get a better job. Showcase your technology skills to prospective employers by using your computer and the Internet as tools in your job search. Your computer and its connection to the Internet can put information about current opportunities at your fingertips,
- [Clean Up Your Credit](https://www.wife.org/clean-up-your-credit.htm) - Spring is a good time to check your credit report and clean up any problems. But don't sweep any dirt under the rug. That’s what Katherine learned the hard way. Katherine is an ambitious, intelligent business woman who had never missed a payment in her life. But when she reviewed her free credit report, available
- [Magic Wands and Roadblocks](https://www.wife.org/wall-003.htm) - Here’s the good news you’ve been waiting for. You have a Magic Wand, and when you wave it you can have anything you truly want. Do you dream about winning the lottery? You’ve got it. Now what? The luxury cars and magnificent life-styles are nice, but what lottery winners relish most is the financial security
- [Spring Cleaning Can Uncover Tax Deductions](https://www.wife.org/spring-cleaning-can-uncover-tax-deductions.htm) - In the springtime a person’s thoughts turn to — spring cleaning! We have to admit that spring cleaning is one of our favorite chores. Why?
- [Together in life – in taxes too?](https://www.wife.org/together-in-life-in-taxes-too.htm) - If you are married, should you file a joint return with your spouse? Most couples do file a joint return that combines their income and deductions. But before you join that majority, you might want to re-examine your situation.
- [Investing In The Rain](https://www.wife.org/wall-001.htm) - My cat Augie loves to lie in the sun all day. Who wouldn’t? But even in sunny San Diego, it sometimes rains. Augie hates that, and he turns away from the open door in disgust. Then he goes to a different door to be let out. He’s looking for the door where it isn’t raining
- [The Ten Secrets To Attracting Money ](https://www.wife.org/foreman-002.htm) - Are there really secrets to attracting and saving money that most people don't know? Probably not. When you get right down to it, most money management concepts are centuries old. But, sometimes it's worth our while to refresh our memory of what we already know to be true. So with that in mind, here are
- [Financial Workout Tips](https://www.wife.org/financial-workout.htm) - If you vowed to lose weight and get more exercise this year, you aren’t alone. But how about extending that fitness regime to your finances? Here are some financial workouts tips to get your finances in shape. 1. Put Your Spending On A Diet Carrying too much debt is as exhausting as carrying extra weight.
- [Organizing Your Family Records](https://www.wife.org/organizingrecords.htm) - Got records? Most people do. But can you find last month's bank statement? A copy of your will? The manual for your DVR? If your answer was something unprintable, you need to get a bit more organized. The beginning of a new year is an excellent time to set up a financial record-keeping system for
- [Credit Card Debt Guide](https://www.wife.org/credit-card-debt-guide.htm) - Are you knee-deep in credit card debt? Though getting out of debt may not be the easiest challenge you have ever undertaken, here’s a resource that can help.
- [Job-Hunt](https://www.wife.org/job-hunt.htm) - Job Hunt started 14 years ago to help job seekers and career explorers. Check out the section that gives descriptions and salary and employment stats by career as well as locale and watch videos about those careers.
- [CityTownInfo.com ](https://www.wife.org/citytowninfo-com.htm) - A career resource from CityTownInfo.com, is called CTI Career Search . We particularly like Career Stories, a collection of real-world career descriptions on more than 200 different occupations written by people working in each profession.
- [If I Had A Million Dollars](https://www.wife.org/features-savvy-ifihadamilliondollars.htm) - What would you do if you won a million dollars in the lottery? Never mind that your chances of winning are just slightly better than the chances of being abducted by aliens. But still, winning the lottery is a favorite daydream for a lot of us. So what would you do? The answer depends on
- [It’s Harvest Time for Tax Losses ](https://www.wife.org/harvest_tax_losses.htm) - It’s harvest time –for most of us that conjures thoughts of picking apples and nuts, but if you are an investor, the final months of the year are the time to harvest investment losses to offset capital gains and minimize income taxes. It will take a little effort, but you’ll thank yourself come tax time.
- [I am Grateful for Everything I Have](https://www.wife.org/i-am-grateful-for-everything-i-have.htm) - I remind myself of everything I already have in my life. I am content with myself, my achievements, my relationships, and my possessions. I allow myself to take a moment to feel grateful for everything truly good in my life.
- [DoSomething.org](https://www.wife.org/dosomething-org.htm) - Do Something offers a free financial education program for young people. They have lesson plans that families can use at home, plus an online game that lets your kids make smart money decisions as they play out their future adult life. Visit Do Something.
- [Candura Group](https://www.wife.org/candura-group.htm) - Dan Candura is a special friend to WIFE.org and the Money Clubs. A talented and engaging speaker who specializes in ethics training for CFP® professionals, Dan served on the Board of Directors of The Certified Financial Planner Board of Standards, Inc. and is a past Chair of the Board of Professional Review. Dan’s ethics training
- [PayOff.com](https://www.wife.org/payoff-com.htm) - Looking for a new approach to having fun with your finances? Try Payoff.com, a new site that uses your dreams to inspire sound money management—with a little help from your friends. Payoff is free, and it helps you get your friends involved as a financial support system, so you are more likely to reach your
- [eRideShare.com](https://www.wife.org/erideshare-com.htm) - eRideShare.com is a not-for-profit FREE service for connecting commuters, or travelers going the same way. With more than 12,000 commuter listings in the US and Canada, we hope that you'll find this service a good way to commute or travel inexpensively, and maybe even make a few friends.
- [Smart Mom Solutions](https://www.wife.org/smart-mom-solutions.htm) - If you are a busy working mom, Smart Mom Solutions provides practical ideas for the real challenges you face today. Every Smart Mom product is designed to save you time, effort and help you stay connected with your children, school, caretakers, family and friends. Visit Smart Mom Solutions to place your order now!
- [DailyWorth](https://www.wife.org/dailyworth-2.htm) - DailyWorth is a free daily personal finance email for women. They deliver practical tips, empowering ideas and the occasional kick in the pants. Sign up for your free daily dose of financial reality, and read some of the past blog posts.
- [Eating Broccoli](https://www.wife.org/eating-broccoli.htm) - Do you hate eating broccoli? Elyssa Pallai, Web Strategist and Mom does, but she knows it’s good for her, so she eats it anyway. And she knows that sound money management is good for her bottom line, which is why she created the blog Eating Broccoli, which is about principled, practical money management tips for women.In
- [NFCA (National Family Caregivers Association)](https://www.wife.org/nfca-national-family-caregivers-association.htm) - Being a family caregiver can be financially challenging. Here is a Toolkit from the National Family Caregivers Association that might help. You'll find information about locating benefits and food assistance, free or subsidized health care services and medications, and advocacy organizations providing direct support.
- [MyMoney.gov ](https://www.wife.org/mymoney-gov.htm) - "I’m from the government and I’m here to help you." Oh yeah, right – but this time, it’s really true. Check it out! MyMoney.gov is the U.S. government's website dedicated to teaching all Americans the basics about financial education. Whether you are buying a home, balancing your checkbook, or investing in your 401(k), the resources on
- [WISER (Women's Institute For A Secure Retirement)](https://www.wife.org/wiser-womens-institute-for-a-secure-retirement.htm) - What’s better than a book crammed with information you need to know? A FREE book with information. That’s what we found on the web, from our friends at WISER (Women's Institute For A Secure Retirement). Their E book, What Women Need to Know About Retirement is yours for the downloading. You can download the entire book, or just the
- [Money Wi$e Women Get Smart](https://www.wife.org/money-wie-women-get-smart.htm) - Money Wi$e Women Get Smart is a monthly educational series that empowers you to listen and learn at your own pace through free teleseminars on a variety of topics such as investing, credit reports, eliminating credit card debt, organizing your records, goal setting, time management, estate planning, tax tips, taming your money fears and much more.
- [DailyWorth](https://www.wife.org/dailyworth.htm) - DailyWorth is a free daily personal finance email for women. They deliver practical tips, empowering ideas and the occasional kick in the pants. Sign up for your free daily dose of financial reality, and read some of the past blog posts.
- [LendersMark.org](https://www.wife.org/lendersmark-org.htm) - We are always looking for resources that will help you improve your finances. Our latest Cool New Friend is LendersMark.org. The website has great articles about mortgages and financing, along with 20 different loan and credit card calculators to help you make informed financial decisions.
- [ FreeBirthdayTreats.com](https://www.wife.org/freebirthdaytreats-com.htm) - Having a birthday? Maybe getting older has an upside, after all. Visit our Cool New Friend and get something free, just for having a birthday. The goodies featured at FreeBirthdayTreats.com aren’t limited to freebies for the kids -- adults and even pets can receive enticing birthday freebies. You’ll find free dinners, golf, movies, skiing and spa treatments just
- [he National Stepfamily Resource Center (NSRC)](https://www.wife.org/he-national-stepfamily-resource-center-nsrc.htm) - One of three Americans is now a stepparent, a stepchild, a stepsibling, or some other member of a stepfamily The National Stepfamily Resource Center (NSRC), is a clearinghouse of information for stepfamilies.
- [Debt Collection Answers ](https://www.wife.org/debt-collection-answers.htm) - Juggling bills can be stressful enough. But when collectors are harassing and threatening you, your stress level can become more than you can handle. Gerri Detweiler and Mary Reed are nationally known consumer advocates, and their goal is to help you understand how to deal with debt collectors. Can’t find the answer you want at
- [CTI Career Search](https://www.wife.org/cti-career-search.htm) - If you are looking for a new job or exploring career options, we have two Cool New Friends this month to help you out. Job Hunt started 14 years ago to help job seekers and career explorers. Check out the section that gives descriptions and salary and employment stats by career as well as localeand watch videos
- [The Dollar Stretcher](https://www.wife.org/the-dollar-stretcher.htm) - As the holiday season approaches, visit our friends at The Dollar Stretcher to see their practical information and thousands of money-saving concepts to take control of your money. We especially like their article on creating a simpler less stressful Christmas. You can also sign up for their free e-newsletters.
- [Gal Time](https://www.wife.org/gal-time.htm) - Want to stay savvy, informed and connected? Visit our cool new friends at Gal Time. For more than a dozen years, the team at GalTime.com has been writing and producing dynamic text and video content for television and the Internet. They know what Gals want to see and read when it comes to health, beauty, fashion,
- [Budget Smart Girl ](https://www.wife.org/budget-smart-girl.htm) - Meet our cool new friend, The Budget Smart Girl , whose Guide to the Universe offers hints and tips about saving money on just about everything from food to hair color. You can also subscribe to her monthly newsletter featuring more tips, news about companies offering promotions and coupons, reviews, recipes, and how to go green and
- [iSpyJoy.com](https://www.wife.org/ispyjoy-com.htm) - Remember the game called I Spy? It was the way parents occupied bored children on a road trip before portable DVD players. At ISpyJoy.com you can join Michele McKeag Larsen on her life-long journey of I Spy Joy. She’s chronicled places where joy is found, compiling a gallery of words and images from all over the world.
- [BreakFreee.org](https://www.wife.org/breakfreee-org.htm) - Having difficulty in this economy? So many people are. Here’s a great resource we’ve found, BreakFreee.org. This non-profit’s goal is to reach out to disadvantaged women in need of financial assistance and advice, and provide the answers and resources that they need. They reach out to widows, divorcees, single moms, seniors and low-income women – anyone
- [Mom Invented](https://www.wife.org/mom-invented.htm) - Do you have a great idea for a new invention? MomInventors.com was founded to help women realize their dreams by providing tools and resources to guide and inspire entrepreneurial success. Whether you need guidance, or wish to share experiences with like-minded entrepreneurial women, you can join the free community of Mom Inventors and take your next steps toward success.
- [MyStateWill.com](https://www.wife.org/mystatewill-com.htm) - We’ve heard all kinds of excuses to avoid writing a will. "I’m too young." "I don’t own enough to need a will." "Everyone know who should get what I own." But the truth is, without a valid will, it’s up to the probate court to determine how your assets are passed along after you die.
- [TIP$ -- Turning Ideas Into Profits](https://www.wife.org/tip-turning-ideas-into-profits.htm) - TIP$ (Turning Ideas Into Profits) is a mid-life women's business community providing information, education, support, and networking opportunities for women entrepreneurs in their late 40s and beyond. When women join the TIP$ community, they have access to special benefits that include a 65-page business startup guide, an online discussion forum, a comprehensive Resource Center with
- [Eons](https://www.wife.org/eons.htm) - Are you a Boomer? Eons believes that life that begins at 50, and they are there to help you to live the biggest life possible—through articles, interviews, how-to lists, books, and recommended Web sites (including WIFE.org!). If you are ready to start thinking about your unprecedented opportunity to travel and explore, to re-invent your career,
- [Kidnexions](https://www.wife.org/kidnexions.htm) - Are your kids saving savvy? We are always looking for resources that will help you and your family improve your finances. Our latest Cool New Friend is KidsSave, a kids' savings and money management program designed for ages 6 and up. With KidsSave software, kids can record deposits and withdrawals, parents can record allowances and
- [10 Great Year-End Tax Tips](https://www.wife.org/10-great-year-end-tax-tips.htm) - When you think of the holiday season, what comes to mind? Gift exchanges? Holiday parties? Home-baked pies? Taxes? We know you have a lot of other things to do this time of year-baking those pies, for example-but, as your WIFE, we must remind you of those important details that are so easy to overlook. The
- [Couples and Money](https://www.wife.org/couples-and-money.htm) - Test your marriage money skills, see how you rate on the conflict scale, 15 ways to date your mate, and more.
- [Setting Up Your Budget](https://www.wife.org/setting-up-a-budget.htm) - In Dutch it’s “begroting,” in Spanish, “presupuesto,” and the Germans say “haushaltsplan” (which make the most sense, as in “How Shalt YOU plan? In any language, we either love or hate the word and the idea of it. But if you have no idea where your money goes, you are bound to end up in
- [The Secret is Out](https://www.wife.org/the-secret-is-out.htm) - With almost a million people visiting our WIFE.org and MoneyClubs each year, it is not unusual to get emails from people like Sharon, who contacted us last year. She wrote, “I am interested in changing my mind about money, and attracting it to me effortlessly. I want to live a life filled with wealth and prosperity, a life of
- [PrimeTime Women](https://www.wife.org/primetimewomen.htm) - Have you noticed that more and more advertising is aimed at you lately? In Marti Barletta’s book, she says that’s because PrimeTime Women™ stand at the intersection of the two most powerful and prosperous consumer segments in the world today: 1. The so-called “Mature Market” whose numbers are growing exponentially and who enjoy above average income, wealth, and spending power.
- [Why Women Need Retirement Planning More Than Men Do](https://www.wife.org/retireplans.htm) - The good news for women: they live longer, so they will have longer to enjoy their retirement. The bad news: they live longer, and so their retirement will be much more expensive than for their male counterparts. Women tend to outlive their husbands. Only one-third of women over sixty-five are married, and on average women
- [The Love Letter: Talking to Parents About Financial Concerns](https://www.wife.org/love-letter-to-parents.htm) - Women today are in the sandwich generation, trying to balance the needs of their own families as well as their parents. But not much has changed over the years. When my grandmother became ill years ago, it was my mother who took care of her. In her late 60s herself, mom put her own needs
- [529 Plans—Not Just for Kids](https://www.wife.org/529-plans-not-just-for-kids.htm) - Education isn’t just for the young – it’s also for the young at heart. In the future, the changing world of work will send many mid-life adults back to school for better career options. And surveys show that retirement-minded Baby Boomers want to continue working after retirement, often in a new career, or round out
- [Hi Ho, Hi Ho, It’s Off to School We Go](https://www.wife.org/off-to-school.htm) - As your children begin their college careers, there’s lots they need to know. Click here to read what your student needs to know about handling money, budgeting, buying textbooks, managing phone bills, working part time, and using credit cards wisely.
- [Divorce and Family Finances](https://www.wife.org/foreman-001.htm) - Dear Dollar Stretcher, Unfortunately, so many families are splitting that guidelines are needed for that form of family. When a family has split, what would be an equitable financial plan? How big a piece of the husband's income pie should go to the household occupied by two growing children with their mother, and how big
- [Finding Your Passion](https://www.wife.org/finding-your-passion.htm) - Sometimes a job just isn’t enough. Your career should reflect your passions and your deepest values. The following worksheet can help you get started identifying the passions that can lead to a fulfilling career. Finding Your Passion Worksheet To figure out what you like to do and get someone to pay you for doing
- [Top Ten Signs that it's Time for a Career Change](https://www.wife.org/top-ten-career-signs.htm) - You keep hitting the snooze button because don't want to get out of bed in the morning. You wonder if why you didn't join the Peace Corps when you had the chance. You wish you were someone else. You have bad dreams about work. You over-eat, over-drink, over-exercise, or over-analyze to escape. You have frequent
- [Tailor Your Career To Your Lifestyle](https://www.wife.org/tailor-your-career.htm) - Whether or not you have children, you need to strike a balance between pursuing your professional goals and feeling fulfilled on an emotional level. Let’s take a closer look at some of the ways that women are balancing their career pursuits with their personal lives. Flex-Time Because so many women are in the workplace, employers
- [Can Network Marketing Work for You?](https://www.wife.org/network-marketing.htm) - Network marketing is the fastest growing economic sector in North America. Some 600,000 new families are attracted to network marketing each year as a way to create a second income on a part-time basis. That’s because network marketing doesn’t require a large investment of money, nor does it require special degrees. And you don’t have
- [What Do Women Like More Than Chocolate?](https://www.wife.org/moneyclub-morethanchocolate.htm) - What do women like more than chocolate? Lots of ideas might be coming to mind, but the surprising answer is that women like cooperation even more than chocolate! A recent study at Emory University used an MRI brain scan during an experiment that involved alternating cooperation and conflict. The (male) scientists thought that conflict would
- [Feeling Philanthropic? Read This First](https://www.wife.org/features-savvy-feelingphilanthropic.htm) - There are thousands of worthy causes that could benefit from a donation of your time or money. In fact, there are more than 800,000 charities in the United States alone. So how do you decide which organizations to support? Think about two or three areas or causes you want to assist, and make this your
- [If You Shop 'til You Drop, Will America Prosper?](https://www.wife.org/wall-005.htm) - The headlines are abuzz with predictions of lower holiday spending this year, which the pundits say will mean the recession is a long way from being over. So if we shop ‘til we drop this December, will that improve our national economy? That makes no sense, and here’s why. If you spend $100 on dinner
- [Is Money More Important Than Sex? Most Women Think So](https://www.wife.org/moneyorsex.htm) - An excerpt from the seminar "Investing in the Future: What Every Woman Needs to Know" by Gail Buckner, Senior Vice President of Putnam Mutual Funds. Men think more about sex than money. Women think more about money than sex. Those were the surprising results found by Money Magazine in its 1996 survey. Why do men
- [Calendars and To Do Lists](https://www.wife.org/calendars-todolists.htm) - Color code your calendar for quick identification of type of function or personnel on a project. It works well for clarity and creates a more attractive calendar. Keep only the number of calendars you really need. Be sure one calendar always contains everything and is the most current and reliable. Track multiple or large projects
- [Managing Time and Interruptions](https://www.wife.org/managetime.htm) - Managing Time Schedule large projects into a series of short segments. You can accomplish much of the project in this way, and you may be motivated to keep going past the allotted time. Set a time limit on involvement in a task. It will seem less boring or overwhelming if you know you will stop
- [Get Organized! Start Your Spring Cleaning Here](https://www.wife.org/organized.htm) - One of these days I've got to get organized! Is that your daily mantra? If so, here are some good ideas for organizing your business life to increase your effectiveness and enjoyment each day. Handling Paper and Files Use a vertical step rack for "hot files" or current project files, in view and quickly available.
- [Funding Your Dream: Ways to Finance Your Business](https://www.wife.org/hogan.htm) - A reader recently asked how she could finance her business idea when she had used up her savings for education, and does not have family or friends to ask for money from. Well, the truth is, that having no savings or family and friends to turn to can make starting a business as a woman
- [Restful Moments Of Relaxation](https://www.wife.org/jaeger.htm) - Are you stressed? Who isn’t? In today’s fast-paced society stress has reached major proportions. Relax, say the experts, but who has time to relax for any length of time? Believe it or not, you can relax a little bit at a time. Just do these brief exercises at intervals during a day. First, pay attention
- [Your Relationship with Money](https://www.wife.org/relationshipwithmoney.htm) - Writing your money history can be helpful in identifying which money issues from your past were most important to shaping your attitudes today. Use these questions to begin exploring your relationship with money. Take one page and don't worry about making it perfect. Write what you think and feel and get it down on paper
- [The Utility Scam and Three Days to Cool Off](https://www.wife.org/utilityscams.htm) - The Utility Scam A member tells us that she was recently contacted by a utility company about an overdue electric bill. Her estranged husband had agreed to pay the utility bills, and she was surprised to learn that he had not. The caller threatened immediate disconnection and pressured her to send a check right away,
- [Who's In Control, You Or Your Credit Cards](https://www.wife.org/hirons-01.htm) - Time to start with a clean financial slate. Bail out your sinking ship of credit card debt so you can spend the next century sailing smoothly toward your financial goals. Much of our spending is attributable to spur-of-the-moment decisions: "It’s on sale!" "It’s more than I wanted to spend, but I love the extra options."
- [Bartering Clubs](https://www.wife.org/foreman-005.htm) - Hi Gary, I just read an article on joining a bartering club in order to barter for bargains. The fee to join the club is $350. Is it worth it and are there other clubs available with lower membership fees? -- Donna Even though we might not think of it, almost everyone is part of
- [The Dollar Stretcher](https://www.wife.org/foreman.htm) - Dear Dollar Stretcher My husband and I aren't quite sure which way to go to conserve on our heating bills. We have steam radiators in our old Victorian house and just replaced the boiler. The old one was over 60 years old and very inefficient. We have a programmable digital thermostat. Does it make more
- [A Five-Step Blueprint for Growing Your Money](https://www.wife.org/5stepblueprint.htm) - Mutual funds are supposed to make inventing easy, but picking and managing mutual funds is bewildering for most novice investors. Fortunately, you don't have to know a great deal about investments to make money in mutual funds. All you need is a reasonable knowledge of your own financial situation and goals, and some basic guidelines
- [Starting Your New Business the Right Way](https://www.wife.org/startbiz.htm) - If you decide to start your own business, you will need an idea, a plan, and financial backing. Your business is unlikely to succeed without all three, and while most people who go into business start with an idea, most businesses that fail do so because they were undertaken without enough financing to sustain them
- [Maybe There's Gold in Them Thar Hills!](https://www.wife.org/unclaimedproperty.htm) - Here's something that is more promising than a lottery ticket - an unclaimed property that may be waiting for you. And now it's easier than ever to find that property using the Internet. Unclaimed property comes in many varieties. Perhaps it's a savings or checking account you've forgotten about. Or it could be an uncashed
- [Four Smart Ways To Save Money On Health Care](https://www.wife.org/4smartwayshealthcare.htm) - Health care has been on Congress’s menu lately, from prescription drugs for Medicare recipients to HMO legislation. But regardless of what Congress decides to do, there are four steps that you can take right now to protect yourself from the high costs of health care. Step one: Become an educated consumer. Remember that you are
- [Signs of a Healthy Approach Toward Money](https://www.wife.org/approachtowardsmoney.htm) - Your financial future is up to you. No matter what your past financial history has been, you can begin today to build a solid financial foundation. With a healthy approach toward money you can cultivate sound financial management. How many of these traits do you have? You feel in control of money rather than being
- [Your Money Style Quiz](https://www.wife.org/your-money-style-quiz.htm) - Printer Friendly Format 1. You lucky devil! Upon arriving in Las Vegas for a week-long vacation, you win $1,000 on your first bet. What do you do? a. Wire the money to your tax-free bond fund immediately and stick to your pre-arranged spending plan for the rest of the trip. b. Put it all on
- [How Much Money Does it Take to Change Your Life?](https://www.wife.org/how-much-money-does-it-take-to-change-your-life.htm) - Is more money what you need to change your life or add value to your lifestyle? Will an increase in your net worth have a big impact on your life-or not? Are you willing to take risks to improve your financial picture? Or is it most important for you to minimize the risk of losing
- [How Do You Really Feel About Money?](https://www.wife.org/really-feel-about-money.htm) - How we feel about money-whether fearful and constricted or open and generous-greatly affects how we approach our financial lives. Use this exercise to identify your money attitudes and develop a positive approach toward your financial life. Circle the words that best describe your feelings about money and finances at the moment. Circle as many as
- [Choose Your Budget](https://www.wife.org/chooseyourbudget.htm) - When it comes to budgeting, one size does not fit all. A detailed budget will help you control every expense. But if you tend to overspend in just one or two categories, you may not need an elaborate budget. Here are five different types of budgets, one of which is right for you: A Comprehensive
- [Living Dangerously: The Lies We Tell Ourselves about Disability Insurance](https://www.wife.org/insurance-living-dangerously.htm) - Do you have disability insurance? Many of us don’t. A survey by The Consumer Federation of America and The American Council of Life Insurers found that 82% of people do not have long-term disability insurance or believe their coverage to be inadequate. One-third of working adults say that their families could only live for three
- [Insurance Coverage You May Not Know You Have](https://www.wife.org/insurance-you-may-not-know-about.htm) - Here are some insurance coverages you may not even know you have! Your homeowner’s policy may cover lost luggage, as well as items stolen from your car and other locations, such as your purse. It also may cover items you have borrowed, property damaged by vandalism, or property damaged in a move. Your credit card
- [Mistakes People Make Buying Insurance](https://www.wife.org/insurance-mistakes.htm) - A catastrophic loss can scuttle any financial plan, and bring your savings to its knees. You need insurance to protect yourself against medical costs, sudden loss of life, and loss of property or earning power. Many people are mostly in the dark when it comes to insurance coverage. They worry that they are underinsured, but
- [A Man Is Not a Financial Plan®](https://www.wife.org/man-is-not-a-plan.htm) - My husband and I have been married for almost three decades, and we’ve worked together for most of them. But we both know that even the most successful marriages end, in either death or divorce. That is why a man is not a plan, even in the best of marriages. If you are married, each
- [A Tax You Don't Have to Pay](https://www.wife.org/foreman-003.htm) - Is there really a tax that you don't have to pay if you don't want to -- where you decide not to fill in the form and give them your money and you won't end up in handcuffs? Yes, there certainly is. And yet, surprisingly most people are very willing, even anxious, to pay this
- [How Do You Spell Tax Relief?](https://www.wife.org/taxtalk-taxrelief.htm) - The Taxpayer Relief Act of 1997 was the answer for permanent relief from income taxes on the sale of a principal residence. The rules are simple -- if you sell your home and the gain on the sale is $250,000 or less ($500,000 on a joint income tax return), there's no tax due when you
- [Standing Up To The IRS](https://www.wife.org/taxtalk-standupirs.htm) - When you receive a plain brown envelope marked "Official US Business" from the Internal Revenue Service, it’s enough to strike terror in your heart. Your first instinct to the deficiency notice inside might be to pay them whatever they want, but don’t do it. There are four common notices that you might receive from the
- [The Taxing Aspects of Moving](https://www.wife.org/taxtalk-moving.htm) - When it comes to federal income taxes, it doesn’t matter where in the country you live – everyone is taxed the same. But state taxes, including income tax, sales tax, property tax, excise taxes, gasoline tax, and licensing fees, can be vastly different depending on where you choose to live. Most people select a community
- [Improving Your Knowledge May Be Tax-Deductible](https://www.wife.org/taxtalk-improve.htm) - Going back to school or taking courses to enhance your knowledge for your job may be tax deductible. You may deduct the cost of all education you acquire to maintain or improve your existing job skills or to meet the express requirements of your employer to keep your job. But you can’t deduct the educational
- [IRA and 401(k) Mistakes](https://www.wife.org/features_bottomline_ira401kmistakes.htm) - Avoid these pitfalls when investing for retirement. As a financial planner for over 20 years, I’ve seen a lot of money mistakes in my time. But the worst seem to come with retirement plans. Something about them just makes people do silly things I guess. One of the biggest mistakes is simply investing too conservatively.
- [Tax Deductions for Refinancing or New Home Purchase](https://www.wife.org/taxtalk-homerefi.htm) - With the real estate market in the slump and interest rates falling, many people are refinancing their homes or buying new ones at bargain prices. If you have taken out a new home loan recently, you can deduct points that you pay on your new loan, and possibly points that you paid in the past
- [Get Wired, Says IRS](https://www.wife.org/taxtalk-getwired.htm) - Wanted: Compatible computers for online communication. Objective: electronic transfer of tax data and refunds. That’s the lonely hearts message being sent by the IRS, which wants your computer to cuddle up to its computer for electronic filing. The IRS is gung-ho about encouraging taxpayers to file electronically, but some taxpayers aren’t sure, and so far
- [For the Record: Keeping Tax Documents](https://www.wife.org/taxtalk-fortherecord.htm) - Now that your tax return is prepared, it's time for some spring cleaning. How long must you keep records before you can throw them out? It depends. You must keep the records needed to substantiate all your income and deductions available for inspection by the Internal Revenue Service. You don't have to spread them out
- [How To Deal With The IRS](https://www.wife.org/taxtalk-dealwithirs.htm) - Only one percent of all tax returns are audited each year. Even if you are audited, you should encounter few problems if you have reported all of your income and have kept careful records of your deductions. If the information reported by payers on W-2s and 1099s does not match what you reported on your
- [What Will You Do With Your Tax Refund?](https://www.wife.org/taxtalk-taxrebate.htm) - That big check you get in the mailbox after April 15 is your fun money, right? It's your free gift from your kind Uncle Sam, who has so thoughtfully given you this chance to go on vacation or have fun at the mall. Not really. That check is the repayment of interest-free loan that you
- [Is it a Business or a Hobby?](https://www.wife.org/is-it-a-business-or-a-hobby.htm) - If you have a small business and you want to deduct your expenses, the IRS says you must be able to show that you are engaged in a trade or business for profit. But that doesn't mean your business has to be profitable every year. If you can show that you are trying to make
- [Business Deductions for Employees](https://www.wife.org/taxtalk-bizdeducts4employees.htm) - Even if you don’t have your own business, you may have some expenses that are tax deductible. If you are a salaried professional, teacher or other employee, here are some deductions you shouldn’t overlook. Dues for professional organizations Personal supplies, such as pens, pencils, briefcases, calculators, executive diaries, etc. Fees for credit cards used exclusively
- [Where to Stash Cash For College](https://www.wife.org/taxtalk-saving4college.htm) - How old are your kids? How much have you saved for their education? If your answer is "not enough," you are not alone. Most people don't really start to save for college until their kids are teenagers, and a third of parents who intend to send their kids to college have saved less than $5,000.
- [Eight ways to get Money from an IRA penalty-free](https://www.wife.org/penalty-free-ira-withdrawals.htm) - When you lose your job or have unexpected expenses, unless you have a substantial emergency funds you are left scrambling for funds to cover life’s emergencies, and money in IRAs is an obvious target. Funds withdrawn from an IRA are taxable, and if you are under 59-1/2, you also will pay a federal penalty of
- [IRA Blunders](https://www.wife.org/ira-blunders.htm) - If you have been contributing to Individual Retirement Accounts over the years or have rolled a lump-sum pension distribution into an IRA, you have taken solid steps toward building a strong retirement nest egg. But three common blunders can keep you from getting the greatest income possible when you retire. Blunder #1. Too many IRA
- [The Wealth Bubble – Real or Illusion?](https://www.wife.org/wall-002.htm) - Happy days are here again! The economy is flourishing, real estate is booming, and Internet stocks are going to the moon. We’re saving less, and no wonder. There’s no need to save, with all the wealth being created under our noses. But how much of the wealth is real, and how much is illusion? Here’s
- [Lifeboat Drills for Stock Market Investors](https://www.wife.org/lifeboat.htm) - An excerpt from the seminar "Surviving the Stock Market" by Carol Kean, fee-only investment adviser. How are your investments affected by emotional vs. rational behavior? That is a real concern for many investors as they analyze the stock market. You must deal with your own emotions as a stock market investor, hanging on as the waves get choppy. But even
- [Stocks: Getting to Know Them](https://www.wife.org/claiborne002.htm) - After Anna received half of a joint stock brokerage account in her divorce, she went to see Sam, a stockbroker recommended by a family friend. Sam quickly found that Anna’s knowledge of investments was slim, so he explained stocks to her. Stocks in a company represent a portion of ownership, called shares, that are bought
- [Diversify your Portfolio with Mutual Funds](https://www.wife.org/claiborne003.htm) - After she was widowed, Mary received a lump sum from her husband’s life insurance policy. Mary needed current income and also wanted to invest for her retirement. Her financial planner, Harriet, suggested mutual funds. Harriet explained that a mutual fund is a professionally managed pool of stocks and/or bonds that provide reduced portfolio risk through
- [Are Hedge Funds A Better Place To Put Your Money?](https://www.wife.org/hogan01.htm) - By Michelle Kennedy Hogan What is a hedge fund anyway? Recently, I read a report that stated hedge funds might actually be a better place to put your money than mutual funds. The report went on to say that, according to Van Hedge Fund Advisors International (they track hedge funds' performance), that almost all of
- [Are Bonds Safer Than Stocks?](https://www.wife.org/bond-vs-stocks.htm) - Bonds are debt instruments issued by the U.S. government, state and local governments, corporations, and foreign entities. The issuer borrows money and promises to pay back the debt plus interest twice a year. If the issuer goes bankrupt, bond holders will be paid before stock holders. Here are some key elements of bonds: Principal or
- [Chicken Little Investing](https://www.wife.org/chickenlittle.htm) - "The sky is falling, the sky is falling" cried Chicken Little. Some investors may agree. What should you do If you find the stock market plummeting. 1. Don't panic. Remember that panic is not an effective, long-term investment strategy. But when the Nasdaq plunges as much as 5% a day for several days running, it's hard
- [Investing Is Risky Business](https://www.wife.org/riskybusiness.htm) - These are the times that test investor’s souls, or at least their tolerance for risk. If you invest in technology, biotech and other stocks that trade on NASDAQ, you’ve seen quite a bit of volatility this year. What does the future hold?More volatility, which means risk. In stock market terminology, risk is the chance that
- [One Simple Investment and You Can Retire Early](https://www.wife.org/oneinvestment.htm) - Would you like to earn 8% or more on your money, guaranteed and risk-free? Like to trim your future expenses so you can retire early? Want to save thousands of dollars in interest expense? One simple investment can do it all: prepay your mortgage. To trim five years off a 30 year, 8% mortgage of
- [Got The Stock Market Jitters?](https://www.wife.org/jitters.htm) - If you like roller coasters, you might be enjoying the ride on Wall Street these days, as the stock market spikes then tumbles, then hits bottom and careens up again. But for most of us, whose stomachs clench at such high jinks, these are unsettling times. But take heart - those reckless gyrations may actually
- [Surfing The Business Cycle](https://www.wife.org/surfingbizcycle.htm) - Selecting stocks can be tough. But stock selection is much easier once you understand stock market and economic cycles. Diversification is key. To build a portfolio, you should own several different stocks in several of the eight market sectors: consumer cyclicals, technology, financial, energy, industrials, basic materials, consumer non-cyclicals and utilities. Decide which of the
- [Changing Lanes: Getting Ahead in the Financial Markets](https://www.wife.org/wall-004-htm.htm) - San Diego is growing. There are thousands more cars on the road every day - and they are all in my lane! I’m normally a cautious driver, but when the freeway lane I’m in slows to a crawl while those in adjacent lanes are flying by, I’m tempted to change lanes. But as soon as
- [Honey, I Shrank Our Investments -- Now What?](https://www.wife.org/wall-006-htm.htm) - Uh oh, the stock market slid again. So what else is new? Even patient optimists have gotten fed up with the market, which is exactly why it's going down. As the last rat (excuse the expression) bails off the ship, there will be no more sellers left. With only buyers left at the party, the
- [What's Your Risk Factor?](https://www.wife.org/quiz-riskfactor.htm) - To help you figure out your relationship to risk, we've created a short quiz. Take a few moments to complete it, choosing the answer that best describes you. The results should give you a good idea of how much comfortable you are (or aren't) with taking risks. When taking this quiz: Answer all questions (guess if you're not sure) Only check ONE box for
- [Should You Refinance?](https://www.wife.org/money-invest-refinance.htm) - Once you have a mortgage, you’re set, right? Not really—though your parents might have kept the same mortgage for 30 years, today’s fluctuating mortgage rates keep you on your toes. So when should you refinance? If you can get a no-cost loan at a rate that’s lower than you are presently paying, why not refinance?
- [Do Interest-Only Loan Pique Your Interest?](https://www.wife.org/money_interestonlyloan.htm) - Home ownership has many benefits, but figuring out financing can be tricky. Many people are turning to interest only loans, touted as a way to buy more house for less monthly outlay. Interest only loans come in many variations, but in general you pay a fixed rate of interest but no principal for the first
- [Choosing the Best Investments for Your 401(k)](https://www.wife.org/retirement_best401kinvestments.htm) - To make choosing easier, begin by grouping the available funds. Stock funds include large-company stocks (including ''growth and income'' funds), small-company stocks (including ''aggressive growth'' funds) and international stocks. Bond funds are categorized by length of the bond -- such as short-term, intermediate or long-term -- and by the kind of bond, such as government,
- [The Amazing Truths About Retirement](https://www.wife.org/amazingtruths.htm) - This article was excerpted from the book Your Next Fifty Years: A Completely New Way to Look at How, When, and If You Should Retire by Ginita Wall, CPA, CFP and Victoria Collins, CFP If you are one of the four million baby boomers who turned 50 in 1996 or the seventy-three million more who
- [It's Never Too Early to Start Planning for Your Retirement](https://www.wife.org/nevertooearly.htm) - Trouble is, there's always so much more in your life that requires time and money that it's not always easy to devote those precious resources to a retirement that is years away. Here are five painless ways you can begin saving for your retirement without unduly busting your budget. 1. Let your employer do it.
- [Making up for Lost Time](https://www.wife.org/making-up-for-lost-time.htm) - Almost 60% of Baby Boomers admit being behind in saving for retirement, and there are untold others who don’t even know where they stand. So if you’ve procrastinated you are not alone, but there’s hope. Here are some tips for catching up, even if you are off to a late start. Save MoreWould you really
- [I Can't Believe I Forgot To Save For My Retirement!](https://www.wife.org/forgottosave.htm) - Most people in their twenties and thirties have other things on their minds than retirement. But as we get older, we suddenly realize we have to save for retirement! If you've procrastinated in planning for retirement, you may not be as far behind as you think. Perhaps your employment benefits include a defined benefit retirement
- [Choosing Where to Live After Retiring ](https://www.wife.org/money_retirement_wheretolive.htm) - For many people, retirement means picking up and moving to warmer climates. Here are a few tips to help ease your move. When you think about retirement, do you imagine sandy beaches, a mountain cabin, settling down in a resort community or hitting the road in a mobile home? Many people decide to move when
- [Dividing Debt in Divorce](https://www.wife.org/ss-dividedebt.htm) - I know that California says that I get half of the property my husband and I have accumulated during our marriage. But what we have is mostly debts. What's the best way to deal with them? Unfortunately, its not unusual for couples these days to have more debts than assets. The general rule is that
- [Getting Income From Retirement Plans After Divorce](https://www.wife.org/ss-incomefromretirementplans.htm) - As a part of my divorce settlement, I am supposed to get a portion of my husband’s retirement plans. I’ll need some of the money to live on, but I’m only 53, so I’m too young to receive retirement benefits. What’s the best way to handle this retirement plan distribution? Generally, a Qualified Domestic Relations
- [Should You Keep Your House After Divorce?](https://www.wife.org/ss-keephouse.htm) - My husband moved out of the house six months ago. I don't think I can afford to buy him out, and so I am considering moving into the rental condo we have, which means we'd sell our house. But my husband thinks that I should stay in the house until our son leaves for college
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- [A Famous Father’s Money Model for Kids](https://www.wife.org/famous-father-wayne-dyer-money-model-for-kids.htm) - If you’re looking for a “Rich Dad” role model, you can’t do much better than the popular motivational speaker and best-selling author, Dr. Wayne W. Dyer. Wayne is rich in every sense of the word—in funds, in family, in friends and fans, and in fantastic life experiences. Father of eight and grandfather of five, Wayne
- [The Next Survivor Series](https://www.wife.org/the-next-survivor-series.htm) - THE NEXT SURVIVOR SERIES Six married men will be dropped on an island with 1 car and 4 kids each, for 6 weeks. * * * Each kid plays two sports and either takes music or dance classes. There is no access to fast food. Each man must take care of his 4 kids,
- [Your Investment Rights and Responsibilities](https://www.wife.org/investment-rights-and-responsibilities.htm) - Today’s investments are steps toward tomorrow’s dreams. Whether it’s real estate, stocks, bonds, or another financial product, we buy in hopes that our investments will prosper and help us reach our financial goals. But all investments carry risk. It’s risk that provides the opportunity for money to grow. We as consumers have rights and responsibilities
- [Words of Wisdom from the Founding Fathers](https://www.wife.org/words-of-wisdom-from-founding-fathers.htm) - Bring on the picnics, parades, and fireworks—it’s time for our nation’s annual celebration of faith! July Fourth marks one of the world’s great acts of faith when a bold group of American patriots signed their names to the Declaration of Independence and risked everything for the dream of a free and just society. Of course,
- [Uncommon Sense: Some Money Rules That Might Surprise You](https://www.wife.org/money-rules-that-might-surprise-you.htm) - Most money wisdom is pretty straightforward. You simply have to use your common sense to figure out that it’s good to save for a rainy day, spend wisely on things you really need, and keep a hopeful outlook for your financial future. Sometimes, though, a money rule comes along that calls upon your “uncommon sense”
- [9 Things Your Great Depression Grandparents Knew About Saving](https://www.wife.org/tips-for-saving-from-your-grandparents.htm) - Are we heading into a Great Depression? Probably not. "While today’s situation does not necessarily imply another Great Depression, the economic downturn and those comparisons can encourage us to turn worry into a positive," said Ethan Ewing of Bills.com. "Consider the lessons learned from the Great Depression and apply some of your grandparents' financial knowledge
- [Stretch Your Legacy](https://www.wife.org/stretch-your-ira.htm) - When Janice’s husband died suddenly at age 56, she was left with overwhelming shock and grief plus mounds of paperwork. We helped her deal with the paperwork as she made decisions, such as rolling over and investing the proceeds of her husband’s retirement plan into an IRA in her own name. But then her situation
- [Retirement Truths and Myths](https://www.wife.org/retirement-truths-and-myths-htm.htm) - When it comes to retirement, people have some peculiar ideas, some of them just plain dangerous. Here’s what two recent surveys by Met Life and Employee Benefits Research Institute found. A full 43% of those surveyed think they can withdraw at least 10% of their retirement savings each year. That might work if you plan
- [This Is the Time of Your Life](https://www.wife.org/time-of-your-life01.htm) - If you’re a woman who has reached mid-life a bit dazed and crazed by the passage of time, you are not alone. No one would disagree that women experience a dizzying array of life transitions. From getting a job to getting married to having children to being divorced or widowed, a woman needs strength and
- [What To Bring to Your First Appointment](https://www.wife.org/lowenstein-002.htm) - In last month’s column, you learned how to interview attorneys to represent you in a divorce. Once you have set an appointment, you need prepare for that interview in order to get the most bang for your buck when you and the attorney meet. The attorney must have a basic understanding of the facts of
- [Single Parent Support](https://www.wife.org/seidler.htm) - How one woman created her own support group With divorce on the upswing and the original family foundation being divided, there is a growing population of single parents needing support and information on surviving the breakup of the classically acceptable family unit and the reincarnation into the new single parent lifestyle. With the advent of
- [The Grass is Greener](https://www.wife.org/the-grass-is-greener.htm) - Did I see you at the Lawn and Garden Center last Saturday? No? Gee, it seemed that everyone else was there buying lawn spreaders, lawn mowers, and lawn trimmers, and piling those flatbed carts with bags of lawn fertilizer and weed and slug killer. Last Saturday was a truly gorgeous day—warm with lots of sunshine,
- [Saving Money While Having Fun](https://www.wife.org/morey003.htm) - Education for your kids or yourself can take a big chunk out of your budget. A summer learning camp can cost more than you had planned to spend on school clothes, and tickets to a lecture or concert series can equal the cost of your car insurance for six months. But you don’t have to
- [Benefits for Widows a Tad Confusing](https://www.wife.org/benefits_for_widows_confusing.htm) - In the old days, widows were forced to live with their companions rather than get married, because if they married, they would lose their survivor Social Security benefits. But under current law, women can keep their widow's benefits at long as they are at least 60 years old when they remarry. But marriage still has
- [Breaking The Spell Of The Sale](https://www.wife.org/morey004.htm) - Does your heart beat faster when you walk into J. C. Penneys and see racks of winter dresses with big red Clearance signs? Do you leaf through the Sunday paper sale flyers with a sense of eagerness and anticipation? Do you think that a Buy one and another half price offer is really a bargain?
- [Getting The House Ready To Sell](https://www.wife.org/morey005.htm) - Ah! Spring! Time to put away your wool clothes, get out in the garden, and even fall in love. It’s also a good time to put your house on the market. Having prepared five houses for sale in the past 35 years, I have experience in presenting a house for sale. And my husband Skip

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## Convert Pro Popups

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## Categories

- [WIFE Blog](https://www.wife.org/news)
- [Pressroom](https://www.wife.org/pressroom)
- [Investment and Saving](https://www.wife.org/investment-and-saving) - “An investment in knowledge always pays the best interest” — Benjamin Franklin
- [Budgets and Planning](https://www.wife.org/budgets-and-planning) - When planning for a year, plant corn. When planning for a decade, plant trees.
- [Calculators](https://www.wife.org/calculators) - Cost of Living, Savings and Financial Calculators
- [Divorce](https://www.wife.org/divorce) - More than 50% of marriages end in divorce. Although no one plans to be a divorce statistic, it happens. So, what do you do now?
- [Second Saturday](https://www.wife.org/second-saturday)
- [Widowhood](https://www.wife.org/widowhood) - Fifty percent of marriages end in divorce, and 35% end in widowhood, usually with the death of the husband. On average, women will be on their own financially for one-third of their adult lives. It’s important to stay abreast of your finances – the traumatic time of widowhood or divorce is not the time to scramble to catch up on your financial knowledge.
- [Taxes](https://www.wife.org/taxes) - “In this world nothing is certain but death and taxes” — Benjamin Franklin
- [Retirement](https://www.wife.org/retirement) - Planning for Retirement is best started early. But, sometimes best laid plans require nimbleness and mid-course correction
- [Family and Relationships](https://www.wife.org/family-and-relationships) - “I don’t care how poor a man is; if he has family, he’s rich.” ~Dan Wilcox and Thad Mumford, “Identity Crisis,” M*A*S*H
- [Savvy Women](https://www.wife.org/savvy-women) - “When I stopped seeing my mother with the eyes of a child, I saw the woman who helped me give birth to myself.” ~Nancy Friday
- [Financial Planning](https://www.wife.org/financial-planning)
- [Featured](https://www.wife.org/featured) - Home Page Featured Articles
- [Small Steps](https://www.wife.org/small-steps)
- [Quizzes](https://www.wife.org/quizzes)
- [21-Day Makeovers](https://www.wife.org/21-day-makeovers)
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- [Elizabeth's Blog](https://www.wife.org/elizabeth-bryan)
- [Affirmations](https://www.wife.org/affirmations)
- [Video](https://www.wife.org/video)
- [Ginita's Blog](https://www.wife.org/ginita)
- [Candace's Blog](https://www.wife.org/candace)
- [Women's Choice](https://www.wife.org/womens-choice)
- [Live After Divorce](https://www.wife.org/life-after-divorce)
- [The Fund Investor's Schoolhouse](https://www.wife.org/richard-loth)
- [Dear Second Saturday](https://www.wife.org/dear-second-saturday)
- [Financial Advisors](https://www.wife.org/financial-advisors)
- [Review](https://www.wife.org/review)
- [New](https://www.wife.org/new)
- [Money Clubs](https://www.wife.org/money-clubs)
- [Candace Bahr: Featured Articles](https://www.wife.org/candace-bahr-featured-articles)
- [Ginita Wall: Featured Articles](https://www.wife.org/ginita-wall-featured-articles)
- [Food for Thought](https://www.wife.org/food-for-thought)
- [Nadia's Blog](https://www.wife.org/nadia)
- [Featured Press](https://www.wife.org/featured-press)
- [Insurance](https://www.wife.org/insurance)
- [Publication Queue](https://www.wife.org/publication-queue)
- [Net Worthy](https://www.wife.org/net-worthy)
- [New Year](https://www.wife.org/new-year)
- [Well Being](https://www.wife.org/well-being)
- [Joy of Creativity](https://www.wife.org/joy-of-creativity)
- [Winter Holiday Season](https://www.wife.org/winter-holiday-season)
- [public](https://www.wife.org/public)
- [25](https://www.wife.org/25)

## Tags

- [divorce](https://www.wife.org/tag/divorce-2)
- [planning for divorce](https://www.wife.org/tag/planning-for-divorce)
- [social security](https://www.wife.org/tag/social-security)
- [long-term-marriage](https://www.wife.org/tag/long-term-marriage)
- [widowhood](https://www.wife.org/tag/widowhood-2)
- [reitirement](https://www.wife.org/tag/reitirement)
- [saving money](https://www.wife.org/tag/saving-money)
- [education](https://www.wife.org/tag/education)
- [debt](https://www.wife.org/tag/debt)
- [bankruptcy](https://www.wife.org/tag/bankruptcy)
- [finances](https://www.wife.org/tag/finances-2)
- [divorce.assets](https://www.wife.org/tag/divorce-assets)
- [forensic accounting](https://www.wife.org/tag/forensic-accounting)
- [retirement](https://www.wife.org/tag/retirement-2)
- [home](https://www.wife.org/tag/home)
- [mediation](https://www.wife.org/tag/mediation)
- [after divorce](https://www.wife.org/tag/after-divorce)
- [assets](https://www.wife.org/tag/assets)
- [lawyer](https://www.wife.org/tag/lawyer)
- [relationships](https://www.wife.org/tag/relationships)
- [insurance](https://www.wife.org/tag/insurance)
- [health insurance](https://www.wife.org/tag/health-insurance)
- [parenting](https://www.wife.org/tag/parenting)
- [single parents](https://www.wife.org/tag/single-parents)
- [credit](https://www.wife.org/tag/credit)
- [goals](https://www.wife.org/tag/goals)
- [IRS](https://www.wife.org/tag/irs)
- [tax planning](https://www.wife.org/tag/tax-planning)
- [college](https://www.wife.org/tag/college)
- [humor](https://www.wife.org/tag/humor)
- [tax returns](https://www.wife.org/tag/tax-returns)
- [annuities](https://www.wife.org/tag/annuities)
- [IRS penalties](https://www.wife.org/tag/irs-penalties)
- [IRA](https://www.wife.org/tag/ira)
- [retirement planning](https://www.wife.org/tag/retirement-planning)
- [KEOGH](https://www.wife.org/tag/keogh)
- [credit cards](https://www.wife.org/tag/credit-cards)
- [shopping](https://www.wife.org/tag/shopping)
- [tips](https://www.wife.org/tag/tips)
- [organization](https://www.wife.org/tag/organization)
- [creditors](https://www.wife.org/tag/creditors)
- [money](https://www.wife.org/tag/money)
- [saving](https://www.wife.org/tag/saving)
- [investment](https://www.wife.org/tag/investment)
- [finance](https://www.wife.org/tag/finance)
- [investing](https://www.wife.org/tag/investing)
- [mortgage](https://www.wife.org/tag/mortgage)
- [loan modification](https://www.wife.org/tag/loan-modification)
- [taxes](https://www.wife.org/tag/taxes-2)
- [estate planning](https://www.wife.org/tag/estate-planning)
- [tax return](https://www.wife.org/tag/tax-return)
- [tax return preparation](https://www.wife.org/tag/tax-return-preparation)
- [401k](https://www.wife.org/tag/401k)
- [bonds](https://www.wife.org/tag/bonds)
- [budgeting](https://www.wife.org/tag/budgeting)
- [financial plan](https://www.wife.org/tag/financial-plan)
- [quiz](https://www.wife.org/tag/quiz)
- [health care](https://www.wife.org/tag/health-care)
- [budgets](https://www.wife.org/tag/budgets)
- [budget](https://www.wife.org/tag/budget)
- [Christmas](https://www.wife.org/tag/christmas)
- [holidays](https://www.wife.org/tag/holidays)
- [planning](https://www.wife.org/tag/planning)
- [bartering](https://www.wife.org/tag/bartering)
- [health](https://www.wife.org/tag/health)
- [stress](https://www.wife.org/tag/stress)
- [career](https://www.wife.org/tag/career)
- [start-ups](https://www.wife.org/tag/start-ups)
- [getting things done](https://www.wife.org/tag/getting-things-done)
- [time management](https://www.wife.org/tag/time-management)
- [relaxation](https://www.wife.org/tag/relaxation)
- [love](https://www.wife.org/tag/love)
- [affirmation](https://www.wife.org/tag/affirmation)
- [visualization](https://www.wife.org/tag/visualization)
- [team work](https://www.wife.org/tag/team-work)
- [cooperation](https://www.wife.org/tag/cooperation)
- [charity](https://www.wife.org/tag/charity)
- [giving back](https://www.wife.org/tag/giving-back)
- [wealth](https://www.wife.org/tag/wealth)
- [dreams](https://www.wife.org/tag/dreams)
- [passion](https://www.wife.org/tag/passion)
- [small steps](https://www.wife.org/tag/small-steps-2)
- [healthy](https://www.wife.org/tag/healthy)
- [lifestyle](https://www.wife.org/tag/lifestyle)
- [personal development](https://www.wife.org/tag/personal-development)
- [habits](https://www.wife.org/tag/habits)
- [success](https://www.wife.org/tag/success)
- [life](https://www.wife.org/tag/life)
- [advertising](https://www.wife.org/tag/advertising)
- [female demographics](https://www.wife.org/tag/female-demographics)
- [business](https://www.wife.org/tag/business)
- [aging](https://www.wife.org/tag/aging)
- [coorperation](https://www.wife.org/tag/coorperation)
- [giving](https://www.wife.org/tag/giving)
- [family](https://www.wife.org/tag/family)
- [children](https://www.wife.org/tag/children)
- [attitude](https://www.wife.org/tag/attitude)
- [conflict](https://www.wife.org/tag/conflict)
- [balance](https://www.wife.org/tag/balance)
- [financial planning](https://www.wife.org/tag/financial-planning-2)
- [vacation](https://www.wife.org/tag/vacation)
- [marriage](https://www.wife.org/tag/marriage)
- [relationship](https://www.wife.org/tag/relationship)
- [communication](https://www.wife.org/tag/communication)
- [communications](https://www.wife.org/tag/communications)
- [prenup](https://www.wife.org/tag/prenup)
- [529 plans](https://www.wife.org/tag/529-plans)
- [parents](https://www.wife.org/tag/parents)
- [jobs](https://www.wife.org/tag/jobs)
- [Man is not a Financial Plan](https://www.wife.org/tag/man-is-not-a-financial-plan)
- [Small Step](https://www.wife.org/tag/small-step)
- [self-worth](https://www.wife.org/tag/self-worth)
- [money smart divorce](https://www.wife.org/tag/money-smart-divorce)
- [reverse mortgage](https://www.wife.org/tag/reverse-mortgage)
- [risk](https://www.wife.org/tag/risk)
- [long-term care](https://www.wife.org/tag/long-term-care)
- [life after divorce](https://www.wife.org/tag/life-after-divorce-2)
- [beneficiary](https://www.wife.org/tag/beneficiary)
- [benefits](https://www.wife.org/tag/benefits)
- [financial](https://www.wife.org/tag/financial)
- [smart](https://www.wife.org/tag/smart)
- [rewards](https://www.wife.org/tag/rewards)
- [residence](https://www.wife.org/tag/residence)
- [tax](https://www.wife.org/tag/tax)
- [crisis](https://www.wife.org/tag/crisis)
- [job](https://www.wife.org/tag/job)
- [employment](https://www.wife.org/tag/employment)
- [positive](https://www.wife.org/tag/positive)
- [thinking](https://www.wife.org/tag/thinking)
- [steps](https://www.wife.org/tag/steps)
- [retire](https://www.wife.org/tag/retire)
- [unemployment](https://www.wife.org/tag/unemployment)
- [filing](https://www.wife.org/tag/filing)
- [errors](https://www.wife.org/tag/errors)
- [couples](https://www.wife.org/tag/couples)
- [infidelity](https://www.wife.org/tag/infidelity)
- [secrets](https://www.wife.org/tag/secrets)
- [auto](https://www.wife.org/tag/auto)
- [vehicle](https://www.wife.org/tag/vehicle)
- [automobile](https://www.wife.org/tag/automobile)
- [buy](https://www.wife.org/tag/buy)
- [sell](https://www.wife.org/tag/sell)
- [lease](https://www.wife.org/tag/lease)
- [planner](https://www.wife.org/tag/planner)
- [older](https://www.wife.org/tag/older)
- [younger](https://www.wife.org/tag/younger)
- [man](https://www.wife.org/tag/man)
- [woman](https://www.wife.org/tag/woman)
- [prenups](https://www.wife.org/tag/prenups)
- [funds](https://www.wife.org/tag/funds)
- [Horses Mouth](https://www.wife.org/tag/horses-mouth)
- [cohabit](https://www.wife.org/tag/cohabit)
- [apart](https://www.wife.org/tag/apart)
- [Thanksgiving](https://www.wife.org/tag/thanksgiving)
- [giving thanks](https://www.wife.org/tag/giving-thanks)
- [gratitude](https://www.wife.org/tag/gratitude)
- [Ginita Wall](https://www.wife.org/tag/ginita-wall)
- [socially responsible investing](https://www.wife.org/tag/socially-responsible-investing)
- [SRI](https://www.wife.org/tag/sri)
- [Money Clubs](https://www.wife.org/tag/money-clubs)
- [Second Saturday](https://www.wife.org/tag/second-saturday)
- [alimony](https://www.wife.org/tag/alimony)
- [xmas](https://www.wife.org/tag/xmas)
- [shop](https://www.wife.org/tag/shop)
- [means](https://www.wife.org/tag/means)
- [divorced](https://www.wife.org/tag/divorced)
- [university](https://www.wife.org/tag/university)
- [pay](https://www.wife.org/tag/pay)
- [cost](https://www.wife.org/tag/cost)
- [retiring](https://www.wife.org/tag/retiring)
- [invest](https://www.wife.org/tag/invest)
- [plan](https://www.wife.org/tag/plan)
- [flexibility](https://www.wife.org/tag/flexibility)
- [do](https://www.wife.org/tag/do)
- [it](https://www.wife.org/tag/it)
- [yourself](https://www.wife.org/tag/yourself)
- [stocks](https://www.wife.org/tag/stocks)
- [stock](https://www.wife.org/tag/stock)
- [market](https://www.wife.org/tag/market)
- [advisor](https://www.wife.org/tag/advisor)
- [consultant](https://www.wife.org/tag/consultant)
- [worth](https://www.wife.org/tag/worth)
- [net](https://www.wife.org/tag/net)
- [asset](https://www.wife.org/tag/asset)
- [liability](https://www.wife.org/tag/liability)
- [cash](https://www.wife.org/tag/cash)
- [dividends](https://www.wife.org/tag/dividends)
- [tracking](https://www.wife.org/tag/tracking)
- [prepare](https://www.wife.org/tag/prepare)
- [trading](https://www.wife.org/tag/trading)
- [loss](https://www.wife.org/tag/loss)
- [cut](https://www.wife.org/tag/cut)
- [fluctuation](https://www.wife.org/tag/fluctuation)
- [loser](https://www.wife.org/tag/loser)
- [holdings](https://www.wife.org/tag/holdings)
- [strategy](https://www.wife.org/tag/strategy)
- [portfolio](https://www.wife.org/tag/portfolio)
- [nestegg](https://www.wife.org/tag/nestegg)
- [holiday](https://www.wife.org/tag/holiday)
- [hanukkah](https://www.wife.org/tag/hanukkah)
- [kwanzaa](https://www.wife.org/tag/kwanzaa)
- [timing](https://www.wife.org/tag/timing)
- [happiness](https://www.wife.org/tag/happiness)
- [sad](https://www.wife.org/tag/sad)
- [support](https://www.wife.org/tag/support)
- [payment](https://www.wife.org/tag/payment)
- [income](https://www.wife.org/tag/income)
- [think](https://www.wife.org/tag/think)
- [fear](https://www.wife.org/tag/fear)
- [heir](https://www.wife.org/tag/heir)
- [heirs](https://www.wife.org/tag/heirs)
- [will](https://www.wife.org/tag/will)
- [wills](https://www.wife.org/tag/wills)
- [death](https://www.wife.org/tag/death)
- [millennial](https://www.wife.org/tag/millennial)
- [x](https://www.wife.org/tag/x)
- [gen](https://www.wife.org/tag/gen)
- [early](https://www.wife.org/tag/early)
- [young](https://www.wife.org/tag/young)
- [savings](https://www.wife.org/tag/savings)
- [spouse](https://www.wife.org/tag/spouse)
- [spousal](https://www.wife.org/tag/spousal)
- [husband](https://www.wife.org/tag/husband)
- [Valentine's Day](https://www.wife.org/tag/valentines-day)
- [retirement for life](https://www.wife.org/tag/retirement-for-life)
- [PayingForCollege](https://www.wife.org/tag/payingforcollege)
- [CollegeCosts](https://www.wife.org/tag/collegecosts)
- [military](https://www.wife.org/tag/military)
- [spousal support](https://www.wife.org/tag/spousal-support)
- [taxes.retirement](https://www.wife.org/tag/taxes-retirement)
- [division of assets](https://www.wife.org/tag/division-of-assets)
- [asset valuation](https://www.wife.org/tag/asset-valuation)
- [job seeking](https://www.wife.org/tag/job-seeking)
- [dream](https://www.wife.org/tag/dream)
- [nutrition](https://www.wife.org/tag/nutrition)
- [self care](https://www.wife.org/tag/self-care)
- [broke](https://www.wife.org/tag/broke)