Subscriber Content Read Preview
Unprecedented numbers of people in domestic partnerships—both same-sex and opposite-sex couples—are reaching retirement age and becoming eligible for Medicare and Social Security.
Subscriber Content Read Preview
The 66-year-old widow had been a client of adviser Jay Wertz since her husband died in 2007, leaving her with had an estate worth $30 million.
If you thought nothing could be more tedious than filling out your tax forms, just wait until you try to apply for health insurance through the Affordable Care Act’s new exchanges.
Consumers and health experts alike have long tried to make healthy choices seem more palatable by adding a dose of fun. (Think parents sneaking vegetables into their kids’ macaroni and cheese.) Now, companies are getting in on the action, ...
Subscriber Content Read Preview
Foreign parents who send their kids to U.S. colleges and careers are turning to financial advisers to help them stay on the Internal Revenue Service's good side during their children's college years and beyond.
Don’t miss these top stories:5 dogs of the car dealership.3 last-minute moves to lower your tax bill.Financial crisis upside: We manage money better.
Don’t miss these top stories:Your health plan – now with video games.Can retail investors profit from Dell bidding war?How to buy real estate in an IRA.
Many college graduates won't be scrolling through Craigslist ads and Facebook posts for new roommates this spring. That's because they already know theirs—Mom and Dad.
Subscriber Content Read Preview
Restaurant owners have been fierce critics of the health-care overhaul law, fearing that its mandate for employers to offer insurance more broadly will drive up costs and deter hiring.
Subscriber Content Read Preview
As prenuptial agreements become more common, spouses are finding the documents easier to challenge in court.In a surprise move, a New York appellate court threw out a prenup last month, even though such agreements are considered one of the ...
Q:I read your article on the new federal estate-tax laws. Even though the exemptions are to be "permanent," we all know Congress could change those in the future. Do you think the new "portability" rules really will be permanent?
Subscriber Content Read Preview
As retirees look to squeeze the most from their Social Security benefits, financial firms and advocacy groups are offering more advice on maximizing payouts.
An important deadline is coming up soon for many long-term procrastinators.Nearly one million taxpayers still haven't gotten around to filing their federal income-tax returns for 2009, according to the Internal Revenue Service. If those ...
Subscriber Content Read Preview
Taxpayers who gave substantial assets to family members last year could be in for a nasty surprise this tax season: potential errors on federal gift-tax returns that could result in donors owing taxes on gifts they thought were tax-free.
Temperatures are still cool in some regions—making it the perfect time to service your air conditioner.Many companies run "early-bird specials" in March and April, but typically boost their rates in May as temperatures rise.
WASHINGTON (MarketWatch) — Members of the House Energy and Commerce Committee gathered on Wednesday at a hearing of the health subcommittee to discuss the effects of the Affordable Care Act on jobs.
Subscriber Content Read Preview
Sometimes life's biggest changes can save you a bundle in taxes—if you know how to take advantage of them.What was new in your life last year? Did you get married or divorced, or adopt a child? Did your parents move in—or your adult child? ...
Suffering through the side effects of medications can be a blow to both your productivity and pocketbook.Living with byproducts such as constipation, weight gain or mental fogginess can deter people from taking needed medication, putting ...
Estate PlanningHere's a new book that, in theory, could help the denizens of "Downton Abbey," the PBS series in which the aristocratic Crawley family seems incapable of getting its estate-planning act together. The American Bar Association ...
The credit criteria for getting a parent Plus loan was quietly tightened in recent years. But you still can appeal if you are turned down.Parents applying for a Plus loan have to undergo a credit check that looks for an "adverse credit ...
Diana Jackson had no student debt when she got her Bachelor's degree from Miami University in Ohio in 1982. But when her daughter graduated from the school in 2011, Ms. Jackson was stuck with about $33,000 in parent loans.
1. “We are your new doctor.”When American youngsters start gearing up for football and cheerleading season this year, the 400,000 playing in the Pop Warner youth sports organization will have to get the usual medical permission to play. But ...
Workers across the country are seeing the length of their jobless benefits pared back, a shakeout that is playing out unevenly and pinching people in states still struggling with unemployment above the national average.
Q: How high does your income have to be to get hit by the new investment-income tax?C.F., Rancho Santa Fe, Calif.A: Our reader is asking about a surtax of 3.8 percentage points on net investment income. This new tax, enacted in 2010 to help ...
Gone are the days when most Americans went into retirement with little credit-card debt and without a mortgage. Now, for a growing number of seniors, high levels of debt are threatening their retirement dreams.
Subscriber Content Read Preview
Taxpayers who gifted their assets to family members last year could be in for a nasty surprise this tax season.Financial advisers are concerned about potential errors on federal gift-tax returns--which could result in donors being forced to ...
If you're feeling squeezed these days, blame it on your kids.A new look at the so-called sandwich generation finds that financial pressures tied to caring for family members from different generations are mounting on middle-aged adults. And ...
Mediation—a way of settling disputes before they escalate into litigation—has grown increasingly popular in the trusts and estates field for two reasons.
A growing number of liberal-arts colleges are supplementing their glossy brochures touting ivy-covered libraries and great-books seminars with more pecuniary pitches: Buy seven semesters, get one free. Apply today, get $2,500 cash back. ...
You may have shored up your finances by settling most nonmortgage debt with creditors in 2012, but there's no escaping the tax man: The Internal Revenue Service expects you to pay taxes on that dodged debt, which is now considered "income."
Subscriber Content Read Preview
As long-term-care insurance costs spiral higher, you might wonder if it makes sense to keep your coverage.Premiums for many policyholders have doubled over the past three years. Depending on a policy's features and your age, long-term ...
FOR MOST OF US, a toll road is just another expense. But for a family with vast resources and a long investment horizon, it can be something quite different: a source of income.
When a couple separates, money is often the last thing on their minds.It's understandable. Spouses can be more worried about the kids, and figuring out if the marriage will be salvaged or end in divorce. Dealing with finances seems like it ...
That's right, it's already March! And though the holiday sales are long gone, there still are deals to be found.March has its own set of events and celebrations: daylight-saving time, spring break, Passover, Easter and St. Patrick's Day. ...
Unpaid rent bills sent to some debt collectors will show up on credit reports. But now on-time payments can count, too.Two of the three major credit-reporting firms, Experian and TransUnion, now allow renters to include on-time rent ...
Some people have a good reason for not filing their tax returns yet: They can't.But procrastinators, beware. That excuse will soon disappear.
In roughing out a retirement budget, what should an individual figure for expenses? Do people's expenses fall a little or a lot—or maybe even go up—when they leave the workforce? The Wall Street Journal put this question to The Experts, an ...
Baseball fans hoping to snag the best deal on tickets this season may want to move well before the first pitch is thrown on March 31.After years of increases, last season's average ticket prices across Major League Baseball stayed fairly ...
What steps can couples take to make sure they minimize conflicts over finances? The Wall Street Journal put this question to The Experts, an exclusive group of industry and thought leaders who engage in in-depth online discussions related ...
Employing a nanny or other household workers can open a can of worms with the Internal Revenue Service, but the agency wants to make it easier for people who mishandle taxes for their hired help to put things right.
Bidding wars. Buyers paying cash. Homes selling for more than asking price.Are we entering another housing bubble? No. But prospective buyers in many markets may be shocked at the competitive nature of the home-buying process these days.
Subscriber Content Read Preview
Cranking up the competition between states for trust business, South Dakota has passed a law sheltering a married person's assets from a divorcing spouse, as long as they've been put in a protective trust, the Trust Advisor says. Only if ...
Millions of people look forward to receiving their income-tax refunds each year.Getting a tax refund may seem like a safe and reliable way to force yourself to save. If that's the only way you know how to save, so be it. But for most of us, ...
It's tax-filing season—which makes it a good time to check that you haven't made mistakes with your individual retirement account. Here, according to experts at Charles Schwab, are some mistakes to avoid.
Companies have a new solution to rising health-insurance costs: Break up their employees’ marriages.By denying coverage to spouses, employers not only save the annual premiums, but also the new fees that went into effect as part of the ...
Are you an older investor with a life-insurance policy you no longer need?Perhaps you bought it to provide for young children in case you died prematurely, but now those children are grown and no longer dependent on your income.
The Affordable Care Act requires employers to offer health insurance, but some companies are making workers jump through new hoops to get it.
When accountant Richard Grebinger connected with teacher Cindy Lambert on the dating website eHarmony in February 2011, they “knew instantly that we wanted to be together,” he says—and indeed, they were married last July. But while love may ...
Subscriber Content Read Preview
An education savings account that recently won permanent status could offer an extra boost to families facing big school bills in the future.
The Wall Street Journal Sunday and MarketWatch will introduce next month a new, online stock-picking game—Beat the Darts.Based on our long-standing print contest—in which readers' picks competed with stocks selected randomly by Journal ...
Subscriber Content Read Preview
LIFE AS A "WEALTH STRATEGIST" can seem pretty comfortable these days. Tom Rogerson, for one, makes a nice living, working half the month from his Boston-area home office.
If you're one of the millions of Americans who have been unemployed, underemployed or just languishing in a job you hate ever since the financial crisis, there were plenty of reasons last week to think you may finally be out of the woods.
Some banks are ramping up their pitches for overdraft-protection services. But in most cases, you should just say "No, thanks."Banks are marketing either a program where overdraft transactions are covered for a fee or one that allows you to ...
My husband and I just closed on a house last week and are already deep in renovation and repair mode. The place needs electrical work, floor buffing and other delights, like termite mitigation. It's all happening amid our rapidly dwindling ...
Subscriber Content Read Preview
ETERNITY IS A BIG NUT TO CRACK. I'd suggest asking the Duke of Norfolk about this, but he died in the 17th century. Attempting to achieve a form of immortality, the duke devised a then-innovative estate plan that passed his titles to his ...
Alina Lane's 2012 tax refund came in the mail last week. But she planned how to spend the money long before it arrived.The 26-year-old will put a chunk of the roughly $3,800 refund toward paying her student loans from dental school after ...
Subscriber Content Read Preview
More people who anticipate being in nursing homes someday are turning to Medicaid trusts to protect their homes and investments--as well as their children's assets--from being used to pay for the care.
Like many firms, Direct General places a hefty surcharge on the health insurance of workers who smoke—an extra $480 a year in premiums. And for years, the Nashville-based insurer levied the fine the way most other businesses do: using the ...
Subscriber Content Read Preview
Spoiler alert: This article contains references to Season 3 of "Downton Abbey."If you need your wife's dowry to prop up your sprawling manse and a small army of domestic staff, don't bet it all on a railroad thousands of miles away.
As I write this, there's a snowstorm coming to Massachusetts. A big one, the forecasters say.But as my husband knows well, it's probably nothing compared with the whirlwind that's about to descend on our home.
Setting up an irrevocable trust is meant to guarantee that your wishes are carried out, even if your beneficiaries bristle at how the money is dribbled out after you've skipped into the beyond. But sometimes your wishes can't be carried out ...
$23,000 Buys You...Great Camp Credenza by Paul Loebach for MatterMade, mattermatters.comFor this rough-hewed yet expertly crafted chest, designer Paul Loebach drew inspiration from the Great Camps that flourished in New York's Adirondack ...
LOS ANGELES (MarketWatch) — Genworth Financial Inc. is suspending sales of its long-term health insurance products in California, as the company — and industry in general — is reassessing its ability to cover nursing-home and ...
Massive open online courses, or so-called MOOCs, are opening up access to classes at a growing number of colleges and universities.The classes, which typically are free and not for credit, enable large-scale participation via the Web to a ...
Subscriber Content Read Preview
It is all too easy to fumble taxes when paying a nanny or other household worker. But the Internal Revenue Service is making it easier for people who mishandled such issues to make things right.
Subscriber Content Read Preview
ROME—Forty-something Italians are facing austerity for the rest of their working lives—just as they have since becoming adults."We are the lost generation," says Andrea Bolla, the 46-year-old chief executive of energy provider Vivigas and ...
Subscriber Content Read Preview
When Congress let the estate tax expire in 2010 and then passed new legislation later that year to reinstate the tax for 2011 and beyond, heirs who had inherited estates faced a choice.
Mutual funds aimed at providing retirement income may be offering meager yields, but they can still offer retirees a lesson in managing their savings.
From mandatory-arbitration clauses that waive jury trials to fees on empty envelopes and cash deposits, your bank is keeping disclosures tied to your checking accounts heavily cloaked in fine print and sometimes not in any print at all.
You Want to Disclaim an Account Left to You by Your SpouseThe minimum withdrawal rules state that the final beneficiary for an IRA (or SEP) account can be decided as late as Sept. 30 of the year after the year of the original account ...
The projected Social Security benefits for my spouse and me differ significantly due to our respective earnings, with mine being higher.Let's say she claims a benefit at age 62 based on her earnings record and I work until my full ...
A growing percentage of Americans is heading into retirement with considerable debt.If you are among them, a new crop of largely free online tools and mobile apps can help you get into better financial shape—provided you are willing to ...
When is the best time to get the best value on airfare? It's the most-asked question travelers pose, and as spring break approaches, it helps to know that a recent study puts the average answer for a domestic trip at roughly seven weeks.
It’s already time to start thinking seriously about filing your Form 1040 for 2012, especially if you expect a refund. Here are seven little-known tax-saving goodies that could make your refund bigger or cut what you owe.
An unusual deadline is coming Jan. 31 for some older taxpayers.It's the latest twist in the long-running saga of the "IRA charitable rollover," a popular tax-law provision that expired at the end of 2011 but has been resurrected as part of ...
Car insurance companies reward good behavior: Drivers with records free of 15-car pileups and tickets for doing 90 in a 55 pay cheaper premiums. Health insurers, on the other hand, offer people little incentive to stay out of harm’s (and ...
Newlyweds Aaron and Tal Chaiken were planning to buy an apartment at some point. They were ready to stay in Chicago for at least five years, and hoped their good credit and income from Ms. Chaiken's new job as a lawyer could help them land ...
Employers have a vested interest in encouraging their workers to do things like eat right, exercise and not smoke: Healthy employees generally are more productive and have lower medical costs than their less-healthy colleagues.
About 5% of U.S. consumers may pay more for loans and other products because of errors on their credit reports, according to a new Federal Trade Commission study.
It's time to rethink how much you're saving for retirement and how you're saving it.For one thing, the recent budget deal in Washington (aka the American Taxpayer Relief Act) didn't renew the so-called employee payroll-tax holiday. That ...
Amid the ever-increasing cost of health care, it’s essential to be constantly vigilant in looking for chances to claim tax breaks for medical expenses. Unfortunately, changes taking effect this year make that more difficult. Here’s the ...
New mortgage rules the Consumer Financial Protection Bureau announced last week will change how lenders decide if borrowers qualify for adjustable-rate mortgages.
Vowing to lose weight, get in shape or pay less for medical care this year? Some extra support for your health-related New Year's resolutions could put a spring in your step.
Are you a glutton for punishment? To put it another way: Do you still prepare your own tax return?If so, you are in the minority. As our tax laws have grown increasingly complex, more taxpayers have hired someone to figure out the mysteries ...
In March of 2011, David Parker filed his 2010 income-tax return with a check for what he owed the Internal Revenue Service.Three months later, weeks after the check was cashed, the Seattle resident discovered during a mortgage refinancing ...
Many taxpayers are facing a severe identity crisis.Internal Revenue Service officials said recently they are intensifying efforts to combat the growing problem of identity theft and tax-refund fraud. The IRS now has more than 3,000 ...
How do you know how much money you can afford to invest? Or whether you've accumulated enough money to retire?Most of us struggle with questions like these from time to time. Occasionally, we crunch some numbers to try to approximate some ...
Before the days of estate taxes, children simply moved into the family home and took over the master bedroom after their parents died. Unfortunately, it's not that easy anymore.
Subscriber Content Read Preview
U.S. health-care spending grew at a record low pace for a third consecutive year in 2011, according to federal figures released Monday, but signs are emerging that the slow growth may not last.
Here are some questions and answers about what the tax deal means for millions of Americans.What happens to individual tax rates? For most people, rates stay the same as last year. There's a new permanent top rate of 39.6%, compared with ...
Subscriber Content Read Preview
The mountain of unpaid credit-card charges and other debts accumulated during the financial crisis hasn't disappeared. Often, it has just changed hands as debt buyers have stepped in.
We worry about our kids walking to school. We worry about home intruders when we vacation. And we worry about a bad report at our annual checkup. It's human nature to worry. But these days we can make our smartphones even smarter, with apps ...
Nothing is inevitable but death, taxes—and tax-return complexity.This year, though, some taxpayers may find the task somewhat easier. Most of the Internal Revenue Service's forms for 2012 generally look about the same as a year ago, ...
Subscriber Content Read Preview
Brendan Lyle, a bright, cheerful guy with a Crocodile Dundee accent, came here from Australia with a big dream and big ambitions. But unlike many newcomers hoping to make a splash in New York, his grand vision had nothing to do with ...
Like the host of "The Price Is Right" TV game show, Wall Street is saying "Come on down!"Investment professionals are anticipating an influx of income- and growth-hungry mom-and-pop "retail" investors into the stock market this ...
The deadline to switch over to electronic Social Security payments is looming—but it's not as firm as it once was.March 1 is the official deadline for those receiving paper checks for benefits, including Social Security, veterans and ...
If you're escaping to a warm vacation spot this winter, watch for hidden resort fees.These are fees—typically $5 to $30 per night—that some hotels charge on top of the nightly room rate. But the extra costs may not be apparent when you book ...
Subscriber Content Read Preview
When you receive your W-2 for 2012, pay attention to a surprising new number on the form, especially if you are an upper-income-bracket taxpayer. The figure could threaten one of your most valuable tax breaks.
The number of student loans held by subprime borrowers is growing, and more of those loans are souring, the latest signs that a weak job market and rising debt loads are squeezing recent graduates.
Subscriber Content Read Preview
$16,650 Buys You...Two Super Bowl XLVII 50-Yard Line Tickets, stubhub.comDoes anything beat the electric energy of a live sporting event? And what if that event is the most important one of the year, tuned into by millions of viewers, and ...

With most couples waiting to marry and three quarters of marriage partners living together first, many celebrants are paying at least part of their wedding bill.
It’s never too early to start talking dollars...and sense.
Your grocery bill is your biggest weekly household expense, so keeping a lid on it will go far to stretch your dollar.