Personal finance

People wait in line to enter the 5th Circuit Court of Appeals to sit in overflow rooms to hear arguments in New Orleans, Tuesday, July 9, 2019. The appeals court will hear arguments today on whether Congress effectively invalidated former President Barack Obama's entire signature health care law when it zeroed out the tax imposed on those who chose not to buy insurance. A Texas judge in December ruled it was invalid, setting off an appeal by states who support the law. (AP Photo/Gerald Herbert)
July 09, 2019 - 8:02 pm
NEW ORLEANS (AP) — With health insurance availability, cost and coverage on the line for millions of Americans, a federal appeals court seemed inclined Tuesday to rule that the core provision of President Barack Obama's signature health care law is unconstitutional. Two Republican-appointed judges...
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In this undated image provided by NerdWallet, Ray Robertson and his wife Bailey pose for a photo. As newlyweds, Ray and Bailey paid off over $33,000 in consumer debt in 18 months. Their strategy? Aggressive payments, a lean lifestyle and plenty of communication. Now they're working on paying off their mortgage, accruing wealth and raising their son.(Amelia Campbell Photography/NerdWallet via AP)
July 02, 2019 - 9:44 am
In this series, NerdWallet interviews people who have triumphed over debt. Responses have been edited for length and clarity. BAILEY AND RAY ROBERTSON HOW MUCH: $33,456 in 18 months Ray Robertson's debt-payoff journey involves two fateful conversations across the ocean from where he grew up. The...
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FILE - This April 2017, file photo provided by NerdWallet shows Liz Weston, a columnist for personal finance website NerdWallet.com. (NerdWallet via AP, File)
July 01, 2019 - 9:06 am
The most important thing you can say to a new hire may well be: "Have you signed up for the 401(k) yet?" An astounding 3 out of 10 workers don't know whether their employers offer retirement plans, according to a survey by research firm Morning Consult for the Certified Financial Planner Board of...
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FILE - In this Nov. 14, 2018, file photo people walk through lower Manhattan's Zuccotti Park at the start of a work day in New York.A new study finds that only 4% of retirees start claiming their Social Security benefits at the most financially optimal time. And current retirees collectively will lose $3.4 trillion in potential income to fund their retirement because they started drawing benefits at a less than ideal time. That’s roughly $111,000 per household, according to the research from United Income, an online investment management and financial planning firm. (AP Photo/Wong Maye-E, File)
June 28, 2019 - 12:05 am
It's tough to decide when to start taking Social Security benefits and it appears many people are shorting themselves with their choice. A new study finds that only 4% of retirees start claiming their Social Security benefits at the most financially optimal time. And current retirees collectively...
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FILE - This April 2017, file photo provided by NerdWallet shows Liz Weston, a columnist for personal finance website NerdWallet.com. (NerdWallet via AP, File)
June 24, 2019 - 7:35 am
Certified financial planner Sean Fletcher of San Francisco knew his dad had an estate plan, complete with a health care directive detailing what medical treatment should be given in an emergency. When the father had a massive heart attack, though, no one knew where he kept those documents. Fletcher...
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FILE - In this Sept. 6, 2018 file photo, Campaign Chair Larry Silbermann announces a goal of $8,133,333 at the United Way of the Coastal Empire 2018 Campaign Kick-Off at the Civic Center in Savannah, Ga. Charitable giving by individual Americans in 2018 suffered its biggest drop since the Great Recession of 2008-09, in part because of Republican-backed changes in tax policy, according to the latest comprehensive report on Americans' giving patterns released on Tuesday, June 18, 2019. (Steve Bisson/Savannah Morning News via AP)
June 18, 2019 - 11:37 am
NEW YORK (AP) — Charitable giving by individual Americans in 2018 suffered its biggest drop since the Great Recession of 2008-09, in part because of Republican-backed changes in tax policy. That's according to Giving USA, the most comprehensive report on Americans' giving patterns. The new report,...
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FILE - In this Dec 21, 2018 file photo, audience members join the Georgia National Guard's 48th Brigade Combat Team to salute the colors during the Casing of Color and Departure Ceremony for their deployment to Afghanistan from Fort Stewart in Hinesville, Ga. Military deployments provide extra income that, when managed properly, can be incredibly important to young service members. (Curtis Compton/Atlanta Journal-Constitution via AP)
June 18, 2019 - 11:22 am
While serving in the U.S. Marine Corps, Erik Goodge was severely wounded during a deployment to Afghanistan. After returning home, the veteran became passionate about finances as he navigated his post-military life and benefits. At the time of his service, however, he didn't know nearly as much...
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This Thursday, June 6, 2019, photo shows the U.S. Treasury Department building at dusk, in Washington. The Treasury Department issued final rules Tuesday, June 11 that would clamp down on taxpayers trying to circumvent a new cap on state and local tax deductions. (AP Photo/Patrick Semansky)
June 11, 2019 - 8:39 pm
The Treasury Department issued final rules Tuesday that would clamp down on taxpayers trying to circumvent a new cap on state and local tax deductions. The Tax Cut and Jobs Act, promoted by the Trump administration and passed in late 2017, limits the amount of state and local taxes that can be...
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FILE - This April 2017, file photo provided by NerdWallet shows Liz Weston, a columnist for personal finance website NerdWallet.com. (NerdWallet via AP, File)
June 10, 2019 - 10:35 am
Researchers tell us that most people would be better off waiting to claim Social Security benefits. Yet most people file early. More than half apply for Social Security before they reach full retirement age, which is currently 66 and rising to 67 for people born in 1960 and later. More than 30%...
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FILE - This April 13, 2019, file photo, shows rows of homes, in suburban Salt Lake City. On Thursday, June 6, Freddie Mac reports on this week’s average U.S. mortgage rates. (AP Photo/Rick Bowmer, File)
June 06, 2019 - 12:45 pm
WASHINGTON (AP) — U.S. long-term mortgage rates fell for the sixth consecutive week, with the key 30-year loan average running below 4% and at its lowest point since September 2017. The declining rates have been a boon to potential purchasers in the spring home buying season, and the number of...
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