Personal Finance

This channel is where we explore the holistic health of your financial house. Helpful, accurate articles include topics on credit, debt management, financial planning, real estate and taxes.

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How do stock options work?

Stock options can be beneficial for both employees and employers who provide them. Why do many employees prefer stock options to cold hard cash or better benefits?

What is the Dow Jones Industrial Average?

The Dow Jones is one of several stock market averages designed as a quick and accurate way to measure the well-being of the market. Why do we hear so much about the Dow Jones in the news?

How do bonds work?

People buy bonds as investments, similar to buying stocks. The difference, though, is that bonds are much less risky than stocks. And, while both can be traded, bonds usually earn less money than stocks do.

How do CDs (certificates of deposit) work?

Putting your money into a CD can yield higher interest returns than a standard savings account. Do you know the difference between a CD and a savings account? Find out how you can invest your money into a CD money account.

Is marriage a good investment?

You made the vows -- for better or for worse, in sickness and in health -- but you don't remember agreeing to pay higher taxes. How does marriage affect your finances?

What's the one thing I can do to hurt my credit score the most?

With all the media attention the subprime mortgage crisis is getting, you may be wondering how your own line of credit is faring. What common mistake might be wreaking havoc on your credit?

What is the average credit score and why?

Many people wonder where they've gone wrong with their credit score. Was it charging a pack of gum with a credit card? A steep mortgage? Where does everyone else stand in terms of credit?

How Capital Gains Tax Works

You already know that when you sell your stocks, you've got to pay taxes on the profits. But did you know you're supposed to pay taxes for selling your old comic books, too?

Filing Income Taxes

Are you spiraling toward tax day with questions still unanswered? Uncertainty and confusion can cause us to procrastinate, but these insider tips will take you past April 15 with your sanity still intact.

How to Retire Early

If you're considering early retirement, you need to assess your financial plan while you're young. Early retirement is possible, but you'll probably have to adopt a frugal lifestyle now.

How Junk Bonds Work

Cash-strapped companies sometimes ask investors for a loan in the form of a junk bond. Should you include this dubiously named security in your portfolio?

How Debt Consolidation Works

Life without debt sounds good. Can debt consolidation, or taking out one new loan to pay off all your other loans, help you reach that lofty financial goal?

What one thing will improve your credit score the most?

A low credit score can prevent you from getting the car, house or job of your dreams, but there's one surefire way to boost that three-digit number.

How Revolving Credit Works

Do you pay just the minimum on your credit card balance each month? If your credit limit keeps getting raised, beware: You might be a revolver.

How Credit Unions Work

Credit unions are not-for-profit institutions that offer many banking services to their members. You may be surprised by who's eligible for membership.

How Credit Reporting Agencies Work

Credit reporting agencies collect your credit history from credit card companies, banks, mortgage companies and other creditors to create an in-depth credit report. But how is that report used?

How Debt Works

The world is drowning in debt, and experts fill the airwaves with doomsday predictions. What exactly is this monster called debt that's sucking up all of our income, ruining our credit scores and making politicians sweat?

How Foreclosures Work

You saved up your money, got a home loan, got the keys and moved in. But now you've lost your job and you can't pay up. What happens to your house? Maybe foreclosure -- but there are ways to avoid it.

How Interest-only Loans Work

Interest-only loans let you afford a nice house and make low payments. But there's a catch -- once you have to pay up, circumstances may not be in your favor.

How Wills Work

Your last will and testament is a very important document that ensures your wishes are carried out after you die. Many people think they need to be old, sick or wealthy to need a will. In truth, everyone of legal age should have one.

9 Strange Last Wills and Testaments

Some people use their will as an opportunity to send a message from beyond the grave. Learn about 9 strange last wills and testaments from Harry Houdini, Marie Curie, and more.

9 Odd Things Insured by Lloyds of London

Lloyds of London has been insuring items -- both average and unusual -- for years. Learn about 9 odd things insured by Lloyds of London, including taste buds and a mustache!

Are internships worth it?

Shouldn't a degree be enough to get a job after graduation? And isn't an internship a lot of useless work for little or no pay? Internships, despite little or no pay, are often worth it in the long run if you want to get your foot in the door.

10 Tips for Saving Money in College

College can be an expensive endeavor, even with scholarships and other kinds of financial aid. However, there are ways to save. From buying used textbooks to choosing the right campus meal plan, here are a few tips. And don't forget to apply for thos

How College Rankings Work

Of all the metrics used to compare colleges, rankings are the most common. Learn about the controversy behind them and how best to evaluate schools.