Considering Tapping Your 401(k) For a Home Down Payment? Check Yourself

If you’re planning to take a loan out on your 401(k) to purchase a home, you better check with your employer first. Your employer’s rules on borrowing from your retirement funds might be tougher than those of the Internal Revenue Service. According to the IRS, retirement plans may offer loans to participants but are not required to do so. The good news is that, according to the Plan Sponsor Council of America, or PSCA, most employers...

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Paying for College: How to Get Your Credit Ready to Secure Student Loans

We all know college is expensive, but most families don’t understand true costs until senior year. This is when parents realize their college savings plan, if they have one, won’t be enough. Assessing your financial house before senior year helps you create a plan and may uncover cash to put aside. According to finance experts, many families don’t look hard enough at ways to free up current cash flow for college. But if you anticipate...

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Tech Q&A: Upgrading a Windows 10 PC That’s Out of Memory

Question: I have a Dell Inspiron 3050 that uses Windows 10 and has an SSD (Solid State Drive, or computer chip memory) rather than a hard drive. Recently, I’ve been getting a message that says a Windows 10 update can’t be installed because I don’t have enough available memory. I transferred all the data I could to an external memory card in order to open up more storage space, but it hasn’t been enough. I’ve also tried to reboot the...

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The Protection Predicament: Overdraft Protection Can Be a Blessing — Or a Curse

The overdraft protection law “puts the decision in the hands of the consumer as to whether they want overdraft protection for small-dollar transactions conducted by ATM and debit card,” says Greg McBride, CFA and Bankrate’s senior economic analyst. Ultimately, opting in has two major benefits. It protects those who worry about finding themselves in the embarrassing situation of having their card declined. And it provides a temporary,...

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Drop Your Credit Debt
Feb26

Drop Your Credit Debt

Americans’ debt levels have been growing and interest rates are rising — a combination that could put consumers in a bind if they carry a balance on their cards. “Everyone has this sense that there is a storm brewing,” said Bruce McClary, spokesman for the National Foundation for Credit Counseling. “All indications that we’ve seen are that people are carrying higher balances from month-to-month and more are behind on their monthly...

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Workplace Navigator: You Made a Mistake. Should You Explain?

Question: I teach at a university. I recently missed the deadline for ordering textbooks and materials for a new class I was asked to teach on short notice. In doing so, I created extra work for a lot of colleagues, and news of my infraction was pushed up the managerial ladder as approval was sought for my requests from my department head, dean and others. I am deservedly in the doghouse. I apologized and promised never to do this...

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The HR Pro: Addressing Sexual Harassment at Work Starts with HR
Nov27

The HR Pro: Addressing Sexual Harassment at Work Starts with HR

A woman is sexually harassed or assaulted at work. She alerts her company’s human resources department, which does nothing. Only after she makes her allegations public does her employer pay attention. It’s a narrative familiar now only because women like former Uber engineer Susan Fowler and others have risked their careers to tell their stories about how the people hired to protect them in their workplace ultimately failed. Ever...

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Boss’s Bookshelf: The Top Five Business Books the CEO Can’t Put Down
Nov27

Boss’s Bookshelf: The Top Five Business Books the CEO Can’t Put Down

1. Abundance Unleashed: Open Yourself to More Money, Love, Health, and Happiness Now By Christian Mickelsen, Hay House Mickelsen, a self-made multimillionaire, CEO of Future Force Inc., and personal coach, is on a mission to awaken humanity to the oceans of abundance within each of us. By recognizing the infinite abundance we all possess, we will be able to achieve our highest levels of personal and professional success. Mickelsen has...

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Workplace Navigator: Should an Employee Have to Host a Boss Overnight?

Q: My friend has a high-stress public-sector job. He says his office is backstabby, but his boss is great. Likes him, likes his work, knows about the backstabby culture and does not play into it. So, my friend wants to keep his boss on his side. But, and this is a big but, my friend lives close to the airport and the boss lives far away from it. So once or twice a month, when the boss needs to make an early flight for a business trip,...

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