James O'Brien covers business, technology, social media, marketing, film, food, wine, the profession of writing, and news. The Nieman Journalism Lab has called his work "sponsored content done right".
When it comes to the health care system in the United States, we might be closer to the end of unaffordable services and the barriers to access they create. But we're not out yet.
Here's how to navigate the waters of settlement negotiations, payoff schedules, and what comes after.
Here are some tips on how to address this year's changes to estate tax rules.
Singles, couples, families -- at some point almost everyone turns their financial attention to buying a home. But how much do we really need to save the first time out? How much is enough to handle the typically steep curve of down payments and closing costs?
It's almost as if history conspired against Generation X ... some experts predict that Generation X might only be able to replace half their working income in retirement.
With that in mind, let's look at the numbers, the challenges, and what Gen X can do about an impending retirement squeeze.
When we talk about retirement planning, we're often basing our conversation on the presumption of traditional employment, which comes with certain assumptions -- benefits, employer contributions, the whole works.
However, retirement planning is a much different proposition for freelancers. For all the freedom that might come with being one's own boss, there's a downside to sailing solo in the workforce. You have to handle all the rigging by yourself. You have to navigate, too. You're on your own.
The United States will soon fully understand what a millennial workforce means. The generation, which includes present-day adults aged 18 to 33, will make up some 50% of the nation's employees by 2020, according to the U.S. Bureau of Labor Statistics. And the workforce they're entering promises a much different retirement from the version their baby-boomer parents are now beginning to enjoy.
Even if you've bought a home before, wading back into the market in 2014 is bound to be a different enterprise from what homebuyers experienced before the recession. Recently implemented changes to mortgage guidelines in the U.S. mean that the qualifications and documentation required to secure homebuyers' loans are stricter and more comprehensive than in the past.
Check out these smart strategies for making your college savings count the most.
If more and more students are leaving U.S. colleges and universities with five figures of student loan debt, and an increasing number of them end up delinquent in repaying those loans, are we looking at a financial bubble? And will that bubble burst?