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NYT > Your Money


Is Insider Trading Part of the Fabric on Wall Street? The Securities and Exchange Commission has been getting tougher on insider trading on Wall Street, but its potential target may be too wide. In Facebook Stock Rush, Fanfare vs. Realities The small gain for Facebook?s stock on its first day of trading suggests that many professional money managers viewed all the hype as just that. Strategies: Facebook?s Swings Are Ho-Hum to a Nobel Laureate To Harry Markowitz, the father of modern portfolio theory, the Facebook stock hubbub is a yawn. He?d rather focus on a rigorously diversified mix of stocks and bonds. Economic View: How National Belt-Tightening Goes Awry - Economic View An overextended family can solve its problems by cutting spending, increasing savings and paying down debts. But such belt-tightening doesn?t work as a metaphor for the national economy. The Haggler: E-ZPass, and the Cash Lane That Wasn?t ? Haggler What happens when your car doesn?t have E-ZPass, but you?re forced to use the ?E-ZPass Only? lane at the tollbooth? A reader asks the Haggler to help resolve the resulting mess. Your Money: Managing Risk in Your Nest Egg - Your Money In light of JPMorgan Chase?s multibillion-dollar loss, a look at how individuals can manage risk in their own investments with trade-offs and moderation. Wealth Matters: Franchise Success Means Doing Things the Franchiser?s Way Investing in an franchise can seem like a sure bet, but success requires an ability to run a business the franchiser?s way, as well as some luck. Shortcuts: Avoiding Robocalls, Telemarketers and Other Phone Annoyances The Do Not Call registry can cut down on the dreaded calls from telemarketers, but wouldn?t getting rid of the landline altogether be better? Degrees of Debt: Student Loans Weighing Down a Generation With Heavy Debt Nearly everyone pursuing a bachelor?s degree is borrowing money, and as prices soar, a college degree often comes with an unprecedented financial burden. States Diverting Mortgage Settlement Money to Other Uses Some states are diverting their share of $2.5 billion they were awarded in a mortgage settlement, money intended to help homeowners and mitigate the effects of foreclosures. Mortgages: Mortgages - Shopping for Loans Online Experts suggest that would-be borrowers begin the process by reading the fine print of each site they choose to work with. Strategies: Investors? Flights to Safety Can?t Hide the Danger Amid more economic upheaval in Europe, investors have again turned to havens like Treasury bonds. But how long can the patterns repeat? Economic View: Slippery-Slope Logic vs. Health Care Law - Economic View The court debate over the new health care law offers yet another example of worrying about imaginary risks. Bucks Blog: Thursday Reading: Paying a Premium for Raw Pet Food Paying a premium for a raw diet for pets, collision warning systems win favor in tests, managing care online and other consumer-focused news from The New York Times. Bucks Blog: Consumers Getting Savvier About Credit Scores Consumers are becoming savvier about their credit scores, new findings from the Consumer Federation of America show. Bucks Blog: Wednesday Reading: Recipes and Lists at Your Fingertips Recipes and lists at your fingertips, new rules are planned for prepaid debit cards, the prospect of cellphone calls on airplanes and other consumer-focused news from The New York Times. Bucks Blog: Comparing Checking Account and Prepaid Debit Card Fees The Web site NerdWallet compared fees for checking accounts with those for prepaid debit cards. Wealth Matters: A Tip for Restaurant Investors: Study the Demographics The most successful investors in restaurants consider how a style fits an area and track who their customers are, said Hudson Riehle of the National Restaurant Association. Your Money: Path to Same-Sex Marriage Probably Runs Through Courts Efforts by gays and lesbians to overcome the legal obstacles faced by same-sex couples, notably the Defense of Marriage Act, may best be fought in courtrooms. Credit Conditions Improving In U.S., Fed Chairman Says Companies are selling bonds at low interest rates and people with strong credit have ?ready access? to credit card and auto loans, Ben S. Bernanke, said. Consumer Agency to Propose Curbs on Origination Fees The rules are designed to tackle origination fees, which vary widely depending on the amount of a loan. Fundamentally: Another May, Another Stock Market Decline? Maybe Not Investors have pulled back in May in recent years, but there are forces working against a repeat. The Haggler: Class Actions Face Hurdle in 2011 Supreme Court Ruling Last year, the Supreme Court said that corporations could write contracts that blocked class-action lawsuits. Now we are seeing that ruling?s effects. Mortgages: Mortgages - When to Refinance Again If you?re considering refinancing, financial planners suggest you first delve into your financial goals ? specifically, how long you expect to live in your home. Your Money: How to Raise a Financial Guru Several young authors of financial advice books say they were taught at an early age to be mindful about money. Wealth Matters: Investing in a Racehorse Without Losing Your Shirt For novice investors in racehorses, buying into a syndicate with several horses is a good way to learn an unpredictable business without huge financial losses. Medical Debts Can Leave Stains on Credit Scores As patients assume more of the responsibility for costs, complex billing and more aggressive collection by providers are resulting in negative credit report data that lingers for years. DealBook: Small Investors May Get to Own a Bit of Facebook While shares of the hottest initial public offerings go almost entirely to Wall Street banks that oversee the stock sale, Facebook has discussed raising the number of shares that will go to retail investors. Your Money: Why Passengers Should Have a Voice in Airline Mergers - Your Money As the potential merger of US Airways and American Airlines percolates, one interested party is left on the sidelines: the consumers. Wealth Matters: Filmmaking as an Alternative Investment Although movie studios lose million of dollars almost every week, investors can profit in ways that have little to do with the box office. Chasing Fees, Banks Court Low-Income Customers More large banks are aggressively pursuing low-income customers with products that can carry high fees and are largely untouched by consumer protections. Debt Collectors Take Places Alongside Hospital Staffs One of the United States? largest medical debt-collection companies is under fire in Minnesota for placing employees in hospitals and demanding patients pay before receiving treatment, documents show. DealBook: MF Global Trustee Calls for Fund to Protect Customers James W. Giddens, the trustee tasked with returning missing funds, suggested establishing an insurance fund for commodities customers to safeguard assets in the event of a future collapse. Economic View: Preschool Tuition Race Is No Joke - Economic View A faux news story on April Fool?s Day tackled the intense competition for acceptance into elite preschools. But the topic offers an important lesson about the limits of market forces. Mortgages: Mortgages ? Avoiding Mortgage Relief Scams An alert from the Federal Trade Commission warns against so-called mass joinder lawsuits from businesses purporting to be law firms. Wealth Matters: Self-Directed I.R.A.?s in Real Estate Need Investor Effort A self-directed I.R.A. investing in real estate is one way to earn more money for retirement, but it requires more work by the investor and close attention to tax rules. Your Money: Home-Sharing? Don?t Overlook Your Liability - Your Money If you are temporarily renting your home to out-of-town guests, check on your liability with your insurer should someone get hurt. Shortcuts: What to Think About Before You Hit ?Send? Just because e-mail is commonplace doesn?t mean we know how to use it properly and productively. Fundamentally: Corporate Profits Have Stalled. Has the Market? The only real hope for additional stock gains this year, many investment strategists say, is expansion in the market?s price-to-earnings ratio. Wealth Matters: Requests for Consumer Financial Protection Bureau Suggestions for the new bureau include improvements to force-placed insurance, which banks buy at a price that is almost always higher than the market rate. Your Money: RelayRides Accident Raises Questions on Liabilities of Car Sharing A fatal accident in Boston has exposed the liability car owners can face when they offer to rent their cars through companies like RelayRides. On the Road: Travel Credit Card Selection Requires Care - On the Road When choosing credit cards to use for travel, be aware of their benefits and be prepared to keep track of the charges on them. Consumer Agency Seems to Soften Limit on Credit Cards Fees The agency set up to protect consumers appears to be allowing high upfront fees for credit card issuers. The Haggler: Cellphone Cramming Gets a Second Look The Haggler revisits the subject of cramming ? the act of tacking on an unrequested service fee to a phone bill. Why, he asks, can?t cellphone carriers do more to thwart it? Wealth Matters: Fine Vintage Watches Find Popularity as Alternate Investments The market for rare and finely made vintage timepieces is booming but, as with all collectibles, there are risks. Your Money: Swatting Down Start-Ups With Consumer-Friendly Ideas AutoSlash, a car rental site that searches for the best rates, has earned the enmity of Hertz, Enterprise and other rental giants. Airlines haven?t been much warmer to services that help passengers. Shortcuts: Hate Your Job? Try These Survival Skills When the realities of life ? paying the rent and buying food ? keep you from quitting a job you detest, there are ways to cope. Strategies: Stock Market, Like Tiger Woods, Is Out of the Rough After losing their way a few years ago, both Tiger Woods and Wall Street have both rebounded to success. But, in each case, how long will it last? Your Money: Marriage Maintenance When Money Is Tight - Your Money For married couples facing the financial pressures of joblessness or foreclosure, tips on how to keep their relationships strong and healthy. Wealth Matters: What to Look For in an Active Investment Manager A Barclays report says there is an art and science to choosing fund managers who will perform well in the future, and past performance is not a big indicator. Visa and MasterCard Investigate Data Breach An intrusion at a third-party vendor may have exposed cardholders? personal information. Business Day: Jonathan Gruber, Health Care?s Mr. Mandate Jonathan Gruber, a professor at M.I.T., helped persuade the Obama administration that everyone should be required to get health insurance. Retailers Rush to Adjust to Price-Smart Shoppers As power shifts to consumers, propelled by the Internet and apps, many stores are scrambling to move beyond the time-worn cycle of markups and discounts ? and still make money. Foreclosure Deal Gives Banks Credit for Routine Activities Critics and supporters sparred over whether a foreclosure deal helps banks even more than struggling homeowners. Advertising: OfferLink to Connect Customers to Deals and Card Rewards Customers who use their cards at participating local businesses get a discount, and also earn rewards on those cards in the form of airline miles, cash back or points. Fundamentally: Bull Market May Have Much Further to Go By official measures, the current bull market is now three years old ? a sign that it may be about to run its course. But some people see the situation differently. The Haggler: Beware of Cramming on Your Cellphone Bill - the Haggler A reader asks the Haggler about SMS subscriptions she says she didn?t want ? but that still popped up as charges on her monthly cellphone statement. Economic View: The Bank Run, Updated It now seems that the 21st century will resemble the 19th and early 20th centuries, with periodic panics and runs on financial institutions ? but in a redefined form. Your Money: It?s Time to Rebalance the Investment Portfolio - Your Money As markets move up and down, it?s a good idea to rebalance your investments periodically to ensure that the proportions you desire still hold. Wealth Matters: Avoiding Pitfalls When Mentoring Entrepreneurs - Wealth Matters A prime complaint about mentoring programs is their failure to pair people correctly. A joint venture of the Clinton Foundation and UBS plays matchmaker. Shortcuts: Why People Remember Negative Events More Than Positive Ones The human brain handles negative and positive input differently, psychologists say, which is why memories of unpleasant experiences seem indelible. Family Men Go It Alone in North Dakota?s Oil Fields With United States unemployment still high, oil field work around Williston, N.D., has attracted men from around the country who have uprooted themselves to live in ?man camps.? Buy a Foreclosure, Revive Your Town: ?I?ve Done My Part? For the writer, buying a home out of foreclosure in an Atlanta neighborhood took time and plenty of help, from a team of professionals and her parents. Why Panic? A Couple?s Nest Egg Better Left Alone A mutual fund executive uses his retired parents? holdings as an example of a well-diversified portfolio. Steps to Prevent Identity Theft, and What to Do if It Happens Quick action is needed if an unusual charge shows up on a credit card statement or a thief opens an account in your name. A Primer on Buying Life and Disability Insurance What sort of insurance you need in the event of untimely death or disability depends on what your objectives are. Health Insurance: What You Need to Know With Americans spending an ever increasing amount on medical costs, it?s more important than ever to have insurance that fits your health care needs. 401(k)?s: What You Need to Know For many people, saving for retirement means squirreling away as much as possible through employer-provided plans, the most popular being the 401(k). About Financial Planners: What You Need to Know If you?ve landed here, it means you?ve realized that you might need some professional advice in handling your financial affairs. Annuities: What You Need to Know Annuities are a basic staple of modern portfolios, the financial equivalent of a backstop to guarantee a minimum of income in retirement. Credit Scores: What You Need to Know You may not have checked your credit score lately, but there?s a good chance someone else has. Special Section: Retirement Despite weak job growth in the nation, a record 7.2 million Americans age 65 and over are working, double the number 15 years ago. Fair Game: A Bailout Analysis That?s Incomplete - Fair Game A recent Treasury analysis paints a glowing picture of the eventual outcome of the 2008 financial rescues. But taxpayers deserve a better breakdown of the costs and benefits. Economic Scene: Disability Insurance Causes Pain Disability insurance takes too many workers out of the job market prematurely. It reduces their lifetime income and, to top it off, slows economic growth. Fair Game: Employees, Too, Want a Say on the Boss?s Pay As more shareholders speak up about executive compensation, one group could become an especially formidable force: workers who own stock in their own companies. Strategies: Stocks and the Economy, Singing Different Tunes Ride the wave or batten the hatches? For investors, it?s a dichotomy that occurs quite often. Common Sense: Troubling Favoritism in the U.S. Tax Code A reporter?s income in 2011 was higher than it was in 2010. Yet his tax rate went down. Wasn?t the opposite supposed to happen? Mutual Funds Report: First Quarter The Standard & Poor?s 500-stock index rose 12 percent in the first quarter, after gaining 11.2 percent in the one before, yet the panic that was palpable last fall seems to have given way to doubt, more than to euphoria or even hope. Your Money Special Section: Which Way Home?: First-Time Homeownership is Still Beyond Reach Despite the fall of prices nationwide, the cost of buying a home in some parts of the country can still be beyond reach for a young, working couple. BUSINESS: Talking Money With Elmo In the wake of the financial crisis, "Sesame Street" is teaching children financial literacy. Ron Lieber talks to Elmo about saving and sharing. Special Section: Wealth Wealthy investors are chasing opportunities in the midst of upheaval. This, and more articles on investing and taxes. I.H.T. Special Report: Net Worth: With Apps, Wealth Management Goes Mobile Private banks, which have been slow to embrace mobile technologies, expect to interact more with their clients through social media and smartphone apps. I.H.T. Special Report: Net Worth: In Nervous Market, Gold Gains Respectability While some investors see pitfalls ? sudden drops, lack of dividends or interest ? others see a kind of insurance as countries remove value from their currencies. I.H.T. Special Report: Net Worth: In Asia, a Generation Gap With the Rest of the World Private bankers say their Asian clients are younger and more risk-tolerant than clients in Europe or the United States ? and that leads to different conversations. I.H.T. Special Report: Net Worth: Keeping a Wary Eye on the Euro Zone James Millard, chief investment officer at the Skandia Investment Group, speaks about how investors should approach the market in the current environment. Retirement Many people approaching retirement age are thinking not just about where to live, but about what activities they will do ? and whom they want nearby. Is It Better to Buy or Rent? Compare the cost of renting and buying equivalent homes. Calculate Your Financial Comeback See how long it could take for your portfolio to return to its peak value.

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