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Ask Carrie

What Is Wealth Part 2: How Important Is a Financial Plan?
by Carrie Schwab-Pomerantz
August 16, 2017

Putting off financial planning because it's too complicated? Here are three progressive steps to help you get started.

How Fast Can You Get Your Money Out of the Stock Market?
by Carrie Schwab-Pomerantz
August 09, 2017

How fast you can cash out of the stock market is far less important than deciding what money to invest and why.

What Happens If You Take an Early Withdrawal From a 401(k) or IRA?
by Carrie Schwab-Pomerantz
August 02, 2017

Beware taking an early withdrawal from your 401(k) or IRA. It can cost you in more ways than one.

Is a HELOC Right for You?
by Carrie Schwab-Pomerantz
July 26, 2017

Home renovations are exciting—and expensive. Having equity in your home can help you foot the bill.

How Do Social Security Survivors Benefits Add Up?
by Carrie Schwab-Pomerantz
July 19, 2017

If both spouses collect Social Security, does the survivor collect both as well? Unfortunately no.

How Do You Define Wealth?
by Carrie Schwab-Pomerantz
July 12, 2017

Is wealth a number or an attitude? Whatever your definition, you need to stay on top of what you have.

Do You Have to Take an RMD When You Inherit an IRA?
by Carrie Schwab-Pomerantz
July 05, 2017

Inheriting an IRA can be a windfall—but the regulations can be a headache. Make sure you know tax and RMD rules.

Just Starting Out? Take These Seven Steps Toward Financial Independence.
by Carrie Schwab-Pomerantz
June 28, 2017

Financial independence is a long-term effort but it starts right now with a few important steps.

Are You Ready to Invest?
by Carrie Schwab-Pomerantz
June 21, 2017

Investing begins with thoughtful answers to some important questions—whether online or in person.

Second Marriage: Are You Financially Ready to Blend Your Families?
by Carrie Schwab-Pomerantz
June 14, 2017

Blending two families in a new marriage has a financial as well as an emotional side. Be prepared. 

Worried About Student Loan Debt? You’re Not Alone.
by Carrie Schwab-Pomerantz
June 07, 2017

When it comes to financial concerns for today's grads, student debt tops the charts. Here's what you can do about it.

Which Credit Cards Are Right for You?
by Carrie Schwab-Pomerantz
May 31, 2017

Credit card offers are alluring, but be sure to look at the big picture before signing up.

Independent Contractors: Is Your Money Working as Hard as You Are?
by Carrie Schwab-Pomerantz
May 24, 2017

As an independent contractor, you're not only your own boss—you're your own CFO. And there's a lot to think about.

How Can Couples Max Out Social Security Benefits?
by Carrie Schwab-Pomerantz
May 17, 2017

While Social Security changed the rules, it’s still worth it for couples to strategize on how to max out benefits. 

Are You Financially Ready to Hit the Road?
by Carrie Schwab-Pomerantz
May 10, 2017

A little pre-planning can help keep your dream vacation from becoming a financial nightmare. 

What Financial Lessons Did You Learn From Your Mother?
by Carrie Schwab-Pomerantz
May 03, 2017

Whether or not you realize it, you're teaching your kids about money every day. Here's how to help make it count.

Top 10 Financial Tips for Today's Grads
by Carrie Schwab-Pomerantz
April 26, 2017

Graduation brings new freedoms but also new responsibilities—especially when it comes to money. Are you ready?

What Happens to Your Income-Driven Student Loan Plan as Your Salary Increases?
by Carrie Schwab-Pomerantz
April 19, 2017

An income-driven repayment plan for your student loans doesn't have to short-change your career—or salary—goals.

What's the Best Way to Invest in a Rising Market?
by Carrie Schwab-Pomerantz
April 12, 2017

If you try to time the market, your chance of losing is as great as your chance of winning. Rebalancing is the key.

What's the Best Use for a Bonus?
by Carrie Schwab-Pomerantz
April 05, 2017

Should you spend or save your bonus? With a little thought and planning, you can do both. 

Ten Common Money Wasters—Don't Be Fooled!
by Carrie Schwab-Pomerantz
March 29, 2017

Just like an April Fools’ Day prank, these 10 common money wasters may take you by surprise. Don't be fooled!

Ex-Spouse Social Security Benefits: What's the Best Strategy?
by Carrie Schwab-Pomerantz
March 22, 2017

Even though you're divorced, you might be able to tap into your ex-spouse's work record for Social Security benefits—as long as you meet all the qualifications.

You're Ready for That First House—But Can You Afford It?
by Carrie Schwab-Pomerantz
March 15, 2017

There are rules of thumb for how much house you can afford, but there's a lot more to consider.

Could Your Financial House Use Some Spring Cleaning?
by Carrie Schwab-Pomerantz
March 08, 2017

Overwhelmed by financial clutter? A little spring cleaning now could save you time and money later.

Can You Contribute to Someone Else's IRA?
by Carrie Schwab-Pomerantz
March 01, 2017

Contributing to someone's IRA may seem a simple way to help, but the details of when, where and how are more complex.

How Are Social Security Benefits Taxed?
by Carrie Schwab-Pomerantz
February 22, 2017

Social Security benefits plus added income may make you comfortable—but the IRS may also want its share.

Tax Basics: What's Your Tax IQ?
by Carrie Schwab-Pomerantz
February 15, 2017

Knowing certain tax basics can help you use tax software or talk to a tax professional with confidence.

What Does Love Cost?
by Carrie Schwab-Pomerantz
February 08, 2017

Love and money go hand-in-hand. Get tips on handling finances at three crucial points in your love life.

Millennials, Fire Away: What's Your Financial Question?
by Carrie Schwab-Pomerantz
February 01, 2017

No question is too simple or embarrassing to ask. The answers to ALL of your financial questions are worth seeking and understanding.

Worried About Your Wallet? Here's How to Protect Your Finances in Uncertain Times
by Carrie Schwab-Pomerantz
January 25, 2017

In times of uncertainty, you can prepare yourself by sticking to some time-tested basics of money management.

Seven Quick Tricks to Set Yourself Up for Financial Success
by Carrie Schwab-Pomerantz
January 18, 2017

Are your financial resolutions already a thing of the past? Try these seven tricks to get on track—and stay there.

Are You Ready for a Financially Healthy 2017?
by Carrie Schwab-Pomerantz
January 11, 2017

Need to detox your finances? This 30-day program can lead to lifelong financial health. Try it.

Raise Your Financial IQ in 2017
by Carrie Schwab-Pomerantz
January 04, 2017

Want to make smarter financial decisions in 2017? Start by zeroing in on these 10 important details. 

From Our House to Yours: Financial Lessons for Today's 20-Somethings
by Carrie Schwab-Pomerantz
December 21, 2016

Experience is often the best teacher, so here are some real-life financial lessons to share with today's 20-somethings. 

Want to Pass on Your Values as Well as Your Assets? Consider an Ethical Will.
by Carrie Schwab-Pomerantz
December 14, 2016

An ethical will isn't legally binding but it could be an important—and personally valuable—part of your legacy.

Tax-Free Gift Limits: How Much Money Can You Give?
by Carrie Schwab-Pomerantz
December 07, 2016

Current gift tax exclusions are pretty generous, but before you write that special holiday check, know the rules.

The Perennial Question: How Can You Balance Essentials and Extras?
by Carrie Schwab-Pomerantz
November 30, 2016

You can focus on future financial security while still enjoying today—as long as you do it consciously.

What Will You Do for Giving Tuesday?
by Carrie Schwab-Pomerantz
November 23, 2016

Giving Tuesday isn't just about donating money; it's about a commitment to helping others. Will you join in?

Mindful Spending: Can You Resist the Black Friday Hype?
by Carrie Schwab-Pomerantz
November 15, 2016

Don't let Black Friday put you in the red. Stay within your spending limits by being thoughtfully generous.

What Do Vets Need to Know About Their Finances?
by Carrie Schwab-Pomerantz
November 09, 2016

Vets returning to civilian life often face serious financial challenges. Fortunately, there are services to help them.

The Case for Financial Education
by Carrie Schwab-Pomerantz
November 02, 2016

In an increasingly complex financial world, the need for financial education is undeniable.

Yes, There are Retirement Benefits for a Nonworking Spouse
by Carrie Schwab-Pomerantz
November 01, 2016

Even if your spouse hasn’t worked outside of the home, he or she is entitled to certain retirement benefits, including Social Security. 

Thirteen Scary Ways to Waste Money
by Carrie Schwab-Pomerantz
October 26, 2016

No matter how on top of your finances you are, certain money wasters can creep up on you. This Halloween, watch out for these thirteen.

Credit and Debt: Ten Questions Everyone Should Answer
by Carrie Schwab-Pomerantz
October 19, 2016

Credit is a powerful and convenient financial tool, but only if you know how to keep it under control.

It's Open Enrollment Time. Should You Open an HSA This Year?
by Carrie Schwab-Pomerantz
October 12, 2016

Opening a Health Savings Account (HSA) can be a good healthcare move—as well as a potential retirement savings boost.

Five Ways to Prepare for a Financial Emergency
by Carrie Schwab-Pomerantz
October 05, 2016

Having an emergency fund is only the first step in planning for an unexpected financial difficulty.

Women and Money: Are You in Control of Your Finances?
by Carrie Schwab-Pomerantz
September 28, 2016

Historically, women have been less engaged in managing their finances. It's time to rewrite that history.

How Should Millennials Save for Retirement?
by Carrie Schwab-Pomerantz
September 21, 2016

Millennials value freedom and flexibility. Fortunately, today's retirement saving vehicles can offer them both. 

Laid Off and Worried About Money: What to Do Next?
by Carrie Schwab-Pomerantz
September 07, 2016

Handling your finances after a layoff takes careful planning, both to survive the present and help protect your future. 

What's the Best Way to Rebalance Your Portfolio?
by Carrie Schwab-Pomerantz
August 31, 2016

Whether you do it annually or only when things get too far out of alignment, rebalancing is an essential element of successful investing. 

Is Your Teen Financially Fit?
by Carrie Schwab-Pomerantz
August 24, 2016

Kids want to learn about money management and it's pretty much up to us parents to teach them. Here's how.

Can Money Make You Happy? Three Things to Think About.
by Carrie Schwab-Pomerantz
August 17, 2016

Money itself may not make us happy, but how we view it, spend it and share it can make a big difference in our lives.

Is a High-Priced College Worth the Cost?
by Carrie Schwab-Pomerantz
August 10, 2016

When it comes to choosing a college, more expensive doesn't necessarily mean better.

Retirement Savings: Making Up for Lost Time
by Carrie Schwab-Pomerantz
August 03, 2016

You've put off saving. Do you have to put off retirement? Not necessarily. But you do need to start saving now!

Do You Need Long-Term Care Insurance?
by Carrie Schwab-Pomerantz
July 20, 2016

LTCI can be smart to cover the costs of a long illness—but exercise a healthy dose of due diligence before you buy.

Postponing Retirement? Don't Postpone Planning for It!
by Carrie Schwab-Pomerantz
July 13, 2016

Being 65 doesn't mean you have to retire—but you do need to prepare for a smooth transition when the time comes.

What Should You Budget for Healthcare Costs in Retirement?
by Carrie Schwab-Pomerantz
July 06, 2016

Healthcare costs can be pretty steep in retirement, even for a healthy person. Here's why.

Changing Jobs: What Should You Do With Your 401(k)?
by Carrie Schwab-Pomerantz
June 29, 2016

What you do with your 401(k) when you change jobs has a lot to do with both your current and future plans.

Helping Young Adults Means More Than Writing a Check
by Carrie Schwab-Pomerantz
June 22, 2016

Will helping kids financially weaken their motivation? Not if you're selective about the type of help you give.

Today's Retirement: Does the 4 Percent Rule Still Make Sense?
by Carrie Schwab-Pomerantz
June 08, 2016

The 4 percent rule for retirement is still useful—as long as you treat it as a guideline and remain flexible.

Does It Make Sense to Pay Off Your Mortgage?
by Carrie Schwab-Pomerantz
June 01, 2016

Whether or not to pay off your mortgage before you retire is a balance of practical considerations and peace of mind.

What's The Best Way to Invest for Your Grandchildren's College Education?
by Carrie Schwab-Pomerantz
May 25, 2016

Investing on behalf of your grandchildren is a wonderful—and generous—idea. But choosing the right investment account demands some thought.

Mindful Spending Part 4: Putting It All Together
by Carrie Schwab-Pomerantz
May 18, 2016

Mindful spending starts with awareness of expenses and goals. Now put them together for ongoing financial health.

Mindful Spending Part 3: What Are Your Top Three Financial Goals?
by Carrie Schwab-Pomerantz
May 11, 2016

Building wealth is as much about zeroing in on your dreams as it is about saving and investing.

Mindful Spending Part 2: Do You Know How Much You Spend per Month?
by Carrie Schwab-Pomerantz
May 04, 2016

If you're like most people, you pay a lot of monthly bills without thinking. Now's the time to pay attention!

Mindful Spending Part 1: Do You Know Where Your Money Is Going?
by Carrie Schwab-Pomerantz
April 27, 2016

If your spending is out of control and you're feeling stressed, here's a good antidote. And it's relatively easy!

Dividing Up Your Estate: Does It Ever Make Sense to Split It Unequally?
by Carrie Schwab-Pomerantz
April 20, 2016

Dividing your estate equally is easiest and often best. If you do it differently, be sure to explain why.

How Realistic Is a College Scholarship?
by Carrie Schwab-Pomerantz
April 13, 2016

Scholarships are competitive, but there's a lot of money available if you take the time and effort to find it.

Roth IRA Withdrawals: The Exceptions Can Be as Important as the Rules
by Carrie Schwab-Pomerantz
April 06, 2016

With taxes, nothing is simple—including Roth distributions. Get the facts first to avoid taxes and penalties.

Starting Your Own Business? Are Your Personal Finances in Order?
by Carrie Schwab-Pomerantz
March 30, 2016

Starting your own business is a financial challenge. Make sure you're personally as well as professionally prepared.

Maxing Out Your Tax-Deductible IRA
by Carrie Schwab-Pomerantz
March 23, 2016

Don't let confusion about IRA deductibility rules keep you from maximizing your retirement savings.

The Lowdown on 401(k) Loans
by Carrie Schwab-Pomerantz
March 16, 2016

There aren't strict rules on how many times you can take a 401(k) loan, but there can be far-reaching consequences.

First Steps for Your Baby's Financial Future
by Carrie Schwab-Pomerantz
March 09, 2016

New baby? There's a lot to think about—including your child's financial future. College is a major savings goal, but there's even more to consider.

Does Your Teen Need to File a Tax Return?
by Carrie Schwab-Pomerantz
February 24, 2016

Whether or not your teen needs to file a tax return, a first job can be a great lesson in financial reality.

Online Scams: How Can You Protect Yourself and Your Family?
by Carrie Schwab-Pomerantz
February 17, 2016

Online fraudsters are everywhere. Here's what you need to know—and do—to thwart them.

Should You Consolidate Your Student Loans? Important Things to Consider.
by Carrie Schwab-Pomerantz
February 10, 2016

Consolidating student loans can make life simpler, but there are more factors to consider before making a decision.

Couples and Credit Scores: Is It a Match?
by Carrie Schwab-Pomerantz
February 03, 2016

Keeping your credit score high is important for your financial life—and maybe also for your love life.

Do Asset Allocation and Diversification Still Work?
by Carrie Schwab-Pomerantz
January 27, 2016

The thinking about asset allocation and diversification hasn't changed, but there are new ways to fine-tune them.

Should you refinance your mortgage?
by Carrie Schwab-Pomerantz
January 20, 2016

Rising interest rates may have you thinking about refinancing your mortgage but there's a lot more to consider.

What's the Best Way to Choose a Guardian for Your Kids?
by Carrie Schwab-Pomerantz
January 13, 2016

Don't let uncertainties keep you from choosing a guardian for your kids. If you don't do it, the state will. 

What's a Financial Plan? Do You Need One?
by Carrie Schwab-Pomerantz
January 06, 2016

A financial plan isn't only for the wealthy. It's a great roadmap for anyone wanting to give their finances a solid sense of direction.

10 Financial Resolutions for a Brighter New Year
by Carrie Schwab-Pomerantz
December 23, 2015

Resolved to be in better financial shape next year? Here are 10 easy-to-keep resolutions to get you started and keep you on track.

If You Become Incapacitated, Will Your Family Know What to Do?
by Carrie Schwab-Pomerantz
December 16, 2015

The idea of dementia is hard to contemplate. But it's even harder for everyone if you never bring up the subject. 

Who Qualifies for Social Security Disability Benefits?
by Carrie Schwab-Pomerantz
December 09, 2015

Social Security disability benefits are paid to millions of Americans—but it can be tough to qualify.

Can You Turn Your Investment Loss into Tax Savings?
by Carrie Schwab-Pomerantz
December 02, 2015

No one likes to lose money on investing, but by harvesting capital losses, your losses could be more palatable.

How Can a Teenager Begin to Invest?
by Carrie Schwab-Pomerantz
November 18, 2015

Help a young person get started investing now and they'll thank you for years to come. Here's how.

Top 10 Year-End Tax Planning and other Financial To Do's
by Carrie Schwab-Pomerantz
November 11, 2015

There's still time to close out 2015 with a financial flourish. Check these top 10 year-end to dos off your list.

Does an Ex-Spouse Qualify for Survivor Benefits?
by Carrie Schwab-Pomerantz
November 04, 2015

There are three basic qualifications for ex-spouse survivors' benefits. But there's even more to consider.

What's the Best Life Insurance Policy for a Young Family?
by Carrie Schwab-Pomerantz
October 28, 2015

Life insurance can be complicated, but the choices for a young family can be simple and straightforward.

Happy Halloween! 10 Tips to Treat Yourself to a More Secure Financial Future.
by Carrie Schwab-Pomerantz
October 21, 2015

Haunted by money worries? Treat yourself to a more secure financial future with these 10 smart money management tips.

Taking Social Security at 62: Is It a Good Idea?
by Carrie Schwab-Pomerantz
October 14, 2015

Taking Social Security early is always an option—but it could cost you in the long run.

Saving for Your Child's Future? Define That Future.
by Carrie Schwab-Pomerantz
October 07, 2015

Saving for a child is a great idea but before opening an account, you need to think about your ultimate goal.

It's Open Enrollment. HSA vs. FSA—What's the Difference?
by Carrie Schwab-Pomerantz
September 30, 2015

Open enrollment is a great time to plan for health care costs and get a tax break, too. Don't ignore it! 

Will Debt Derail Your Retirement?
by Carrie Schwab-Pomerantz
September 23, 2015

Retired or not, your debts have to be paid. Best to come up with a realistic repayment plan ahead of time.

What Is a Living Trust? Do You Need One?
by Carrie Schwab-Pomerantz
September 09, 2015

A living trust isn't a necessity for everyone but it can be a smart way to protect yourself and your heirs. 

Retirement Cash Reserves: What About a HELOC?
by Carrie Schwab-Pomerantz
September 02, 2015

A HELOC is great to cover the unexpected, but when it comes to retirement cash reserves, you need to plan ahead.

Filing for Ex-Spouse Social Security Benefits—Does Your Ex Have to Be Involved?
by Carrie Schwab-Pomerantz
August 19, 2015

If you qualify for SS benefits based on your ex's work record, it's a matter of age and timing—not communication.

Can You Spend Money on Fun Without Feeling Guilty?
by Carrie Schwab-Pomerantz
August 12, 2015

Saving for the future is important but so is enjoying today. Learn to budget for financial security—and for fun.

This Is What Marriage Equality Looks Like—For Your Finances
by Carrie Schwab-Pomerantz
August 05, 2015

Now that the Supreme Court has legalized same-sex marriage nationwide, it's essential for new couples to familiarize themselves with the financial benefits of marriage. 

Should You Care About Rising Interest Rates?
by Carrie Schwab-Pomerantz
July 29, 2015

Will rising interest rates affect you personally? If you're a saver, a borrower or an investor—absolutely.

Portfolio Blues: Should I Stay in the Market or Get Out While I'm Ahead?
by Carrie Schwab-Pomerantz
July 15, 2015

Worried about the stock market? Don't be. Whether stocks are up or down, let your own timeline be your guide.

Social Security Questions: Where Can You Get Good Advice?
by Carrie Schwab-Pomerantz
July 08, 2015

Getting ready to contact the Social Security Administration? Don't expect them to give you financial advice.

Will You Have to Pay Capital Gains Taxes on the Sale of Your Home?
by Carrie Schwab-Pomerantz
July 01, 2015

There are generous exclusions for capital gains on the sale of a home—but timing is crucial.

Welcome to the Real World: Personal Finance Tips for New Grads
by Carrie Schwab-Pomerantz
June 24, 2015

Your child has graduated, but there's one more class he or she needs to take: Personal Finance 101.

Retirement Conundrum: Spend Now or Save for Later?
by Carrie Schwab-Pomerantz
June 17, 2015

If you plan carefully, it's possible to enjoy retirement without jeopardizing your future—even if you live past 90!

Suddenly Alone--Where Can You Turn for Help?
by Carrie Schwab-Pomerantz
June 10, 2015

It's hard to focus on finances after losing a spouse. But there are resources to turn to for help and support.

Baby On the Way: Are You Ready for Your New Financial Reality?
by Carrie Schwab-Pomerantz
May 27, 2015

Planning for baby's arrival? Take time now (while you have it!) to get financially prepared. 

Need to Adjust Your Financial Attitude? Start Here- Now!
by Carrie Schwab-Pomerantz
May 20, 2015

Getting a handle on spending and saving means changing your attitude as well as your behavior. Take these steps.

Apple Pay: Making It Work for YOU
by Carrie Schwab-Pomerantz
May 13, 2015

Apple Pay may be exciting and new, but best to couple it with some old fashioned wisdom about spending.

Women and Retirement: Can You Afford Not to Save?
by Carrie Schwab-Pomerantz
May 06, 2015

Women are living longer than men but saving less for retirement. Here's why they need to save more—and sooner.

How Much Should You Be Saving?
by Carrie Schwab-Pomerantz
April 29, 2015

Everyone knows it's important to save. But how much? That depends on your goals and how long you have to reach them.

Things You Want to Know About Investing but Are Afraid to Ask-- Part 3
by Carrie Schwab-Pomerantz
April 22, 2015

Got investing basics down? Great. But before you invest, there are still a couple more questions to ask.

Things You Want to Know About Investing but Are Afraid to Ask-- Part 2
by Carrie Schwab-Pomerantz
April 15, 2015

New to investing? Need a refresher on types of investments? A little review of basic terms can be good for everyone.

Things You Want to Know About Investing but Are Afraid to Ask-- Part 1
by Carrie Schwab-Pomerantz
April 08, 2015

Thinking about investing but don't know where to begin? Get your grounding with a few basic concepts.

How Do You Value a Gift of Stock?
by Carrie Schwab-Pomerantz
April 01, 2015

Giving a gift of stock is easy. But knowing the value for gift or income taxes can be a bit more complicated. 

How Do You Value a Gift of Stock?
by Carrie Schwab-Pomerantz
April 01, 2015

Giving a gift of stock is easy. But knowing the value for gift or income taxes can be a bit more complicated. 

Social Security: Should You Wait Until Age 70 To Collect?
by Carrie Schwab-Pomerantz
March 25, 2015

While waiting to collect Social Security means a bigger monthly check, that's not the only thing to consider.

Required Minimum Distributions: What Are the Dates and Deadlines?
by Carrie Schwab-Pomerantz
March 18, 2015

Turning 70½ is a milestone for you—and the IRS. Get the facts about Required Minimum Distributions and avoid whopping penalties.

Six Tips on Preparing for Tax Day
by Carrie Schwab-Pomerantz
March 11, 2015

Avoiding doing your taxes? A little organization can make it a whole lot easier.

Seven Potential Costs of Owning a Home that Should Factor Into Your Budget
by Carrie Schwab-Pomerantz
March 04, 2015

You've got the down payment and mortgage covered—but have you budgeted for the extra costs of owning a home? Here are seven to definitely consider.

If You Have a 401(k), Do You Need an IRA, Too?
by Carrie Schwab-Pomerantz
February 25, 2015

While a 401(k) can be the backbone of your retirement plan, there's a good case for having an IRA as well.

Paying for College: Are Scholarships Taxable?
by Carrie Schwab-Pomerantz
February 18, 2015

Favorable tax treatment of scholarship money is only one way Uncle Sam may be able to help you with college costs.

Money Management Tips For Couples Merging Households
by Carrie Schwab-Pomerantz
February 11, 2015

You're emotionally ready to move in together, but what about financially? Share your money concerns before sharing an address.

Learn How To Start Investing With These Five Simple Steps.
by Carrie Schwab-Pomerantz
January 28, 2015

It isn’t difficult to become an investor. Learn how to start investing with these five simple steps.

Cash or Credit-- Which is the Smarter Way to Pay?
by Carrie Schwab-Pomerantz
January 21, 2015

Credit card perks are alluring, but you may get a savings bonus when you pay for everyday purchases with cash.

Close to Retirement? Don't Miss These Dates and Deadlines!
by Carrie Schwab-Pomerantz
January 14, 2015

Close to retirement? Here are some age-related dates and deadlines to put on your calendar.

What's in Store for 2015: Important IRS, Social Security and Medicare Updates
by Carrie Schwab-Pomerantz
January 07, 2015

Small changes in rules and regulations may affect how you save and spend in 2015. Best to be informed.

What's the Best Way to Keep Last-Minute Holiday Spending Under Control?
by Carrie Schwab-Pomerantz
December 17, 2014

Feeling pressured to buy more this season? Remember, mindless spending now can lead to painful bill paying later.

How Many Credit Cards Do You Really Need?
by Carrie Schwab-Pomerantz
December 10, 2014

Too many credit cards in your wallet? Be careful how you use them—and how you get rid of them.

Finding the Right Financial Advisor-- Where to Start?
by Carrie Schwab-Pomerantz
December 03, 2014

Finding the right financial advisor takes some in-depth thinking and research. Start here.

Holiday Spending Worries? Generosity Doesn't Always Come With a High Price Tag
by Carrie Schwab-Pomerantz
November 26, 2014

With a little creative thinking, you can extend your generosity this holiday season without spending a fortune

What's the Best College Saving Strategy When You Have Young Kids?
by Carrie Schwab-Pomerantz
November 05, 2014

While it's important to start saving for college early, it's equally important to be strategic about how you save.

Is Maxing Out Your 401(k) Enough?
by Carrie Schwab-Pomerantz
October 29, 2014

The IRS-mandated maximum 401(k) contributions may actually leave you short. To find out if you're on target, do the math!

13 Ghastly Money Mistakes That Could Come Back to Haunt You
by Carrie Schwab-Pomerantz
October 22, 2014

Avoid these money mistakes to help keep the ghost of past decisions from spoiling your financial future.

Are You Making the Most of Your Employee Benefits?
by Carrie Schwab-Pomerantz
October 15, 2014

Don't miss out on valuable employee benefits! Use Open Enrollment to fine-tune your choices.

Will a Second Baby Break the Bank?
by Carrie Schwab-Pomerantz
October 08, 2014

Being financially ready for a second child means planning ahead and carefully prioritizing. 

You've Inherited an IRA—Now What?
by Carrie Schwab-Pomerantz
October 01, 2014

Inherited IRA rules are different for spouses and non-spouses. Make sure you know the rules that apply to you

Can You Dip Into Your IRA to Buy a First Home? Should You?
by Carrie Schwab-Pomerantz
September 17, 2014

The IRS says you can use IRA money penalty-free for a first home purchase. But that doesn't mean it's a good idea.

How Financially Savvy Is Your Teenager?
by Carrie Schwab-Pomerantz
September 03, 2014

Teens may feel grown up, but when it comes to managing money they still have an awful lot to learn.

Got Kids in Grade School? Start Their Financial Education Now!
by Carrie Schwab-Pomerantz
August 27, 2014

A new school year is exciting. Use it as a chance to ge them on the path to financial literacy.

Renting Out Your Vacation Home-- What Are the Tax Rules?
by Carrie Schwab-Pomerantz
August 06, 2014

Renting out a vacation home can help defray your costs—but the tax rules are complicated. To avoid a big IRS headache, pay close attention and keep accurate records. 

How Much Insurance Do You Need in Retirement?
by Carrie Schwab-Pomerantz
July 30, 2014

In retirement, some insurance is essential, and some is just a waste of money. Make sure you know the difference.

Roth vs. Traditional 401(k)—Which Is Better?
by Carrie Schwab-Pomerantz
July 23, 2014

If your employer lets you decide between a traditional and a Roth 401(k), consider choosing both!

Is Your Home Equity Part of Your Retirement Savings?
by Carrie Schwab-Pomerantz
July 16, 2014

Your home may be your biggest investment, but it's no guarantee of a comfortable retirement.

Helping Recent Grads: How Much Financial Support Should You Give?
by Carrie Schwab-Pomerantz
July 09, 2014

Helping a new grad is a balancing act between offering financial support and fostering independence.

Buy or Rent? And Where to Park Your Down Payment until You Decide?
by Carrie Schwab-Pomerantz
July 02, 2014

Deciding to buy or rent is a big decision. So is deciding what to do with your down payment in the meantime. 

What's On First—Paying Off Student Loans or Saving for Retirement?
by Carrie Schwab-Pomerantz
June 18, 2014

Don't let student loans jeopardize your future. Strike a balance now between paying back debt and saving.

How Can You Set a Good Financial Example for Your Kids?
by Carrie Schwab-Pomerantz
June 11, 2014

Times may have changed, but certain old-fashioned economic values remain.

What Financial Steps Should You Take When a Spouse Dies?
by Carrie Schwab-Pomerantz
June 04, 2014

There are lots of financial issues to handle when a spouse dies—but fortunately you don't have to handle them alone.

Who Qualifies for Social Security Survivor Benefits?
by Carrie Schwab-Pomerantz
May 28, 2014

It's hard to think of finances when a spouse has died, but don't ignore possible Social Security survivor benefits.

Is There a Tactful Way to Help Your Mom (or Dad) Financially?
by Carrie Schwab-Pomerantz
May 07, 2014

Parents are used to giving kids a financial hand, but aren't always comfortable being on the receiving end. 

Social Security Basics—Five Things to Think About Before You Apply
by Carrie Schwab-Pomerantz
April 30, 2014

Are you maximizing your Social Security benefits? Here's what you should know before you apply. 

Retirement Ahead: Do You Have Enough Exposure to Stocks?
by Carrie Schwab-Pomerantz
April 23, 2014

It's recommended that people gradually move away from stocks as they get older—but can you overdo it?

9 Money Myths Exposed: Do You Know the Truth?
by Carrie Schwab-Pomerantz
April 16, 2014

Don't fall victim to common money myths and misconceptions. You can improve your financial reality by getting the truth.

Saving for Retirement: How Much Is Enough?
by Carrie Schwab-Pomerantz
April 09, 2014

Experts may say you need a million or more to retire, but is that true for everyone? It's best to run your own numbers. 

Is There a Secret to a Successful Retirement?
by Carrie Schwab-Pomerantz
April 02, 2014

Retirement may bring more leisure, but it takes some work to get there.

What's the Best Way to Pay for a Home Renovation?
by Carrie Schwab-Pomerantz
March 26, 2014

A 401(k) loan may sound appealing, but it's not the only—nor the best—way to get the cash for a home remodel.

Can You Give Part of Your IRA to Your Family Tax Free?
by Carrie Schwab-Pomerantz
March 19, 2014

You may be willing to share your IRA with your family, but Uncle Sam wants his share, too.

Spring Cleaning Tips to Put Your Financial House in Order
by Carrie Schwab-Pomerantz
March 05, 2014

Are your financial resolutions gathering dust? Refresh your finances with these easy spring cleaning tips.

Can You Contribute to an IRA If You Don't Have a Job?
by Carrie Schwab-Pomerantz
February 26, 2014

IRA contributions can only be made from what the IRS defines as earned income. But wages aren't the only type of income that qualifies.

Need to Put Retirement Savings on the Fast Track?
by Carrie Schwab-Pomerantz
February 26, 2014

Retirement saving isn't just about stashing cash. There are tax-smart ways to help you get farther faster.

When You Cash Out a Custodial Account, Who Declares the Gains or Losses?
by Carrie Schwab-Pomerantz
February 19, 2014

When you take over a custodial account, the gains--and the losses--are yours for better or worse.

Do You Know Enough About Your Family Finances?
by Carrie Schwab-Pomerantz
February 12, 2014

Even if your spouse is calling the shots financially, it's essential that you know the game plan. 

What's the Best Retirement Plan for Your Small Business?
by Carrie Schwab-Pomerantz
January 29, 2014

Own a small business? Don't miss out on these opportunities to save more for retirement and decrease taxable income.

Do Your Folks Have an Advance Healthcare Directive? Do You?
by Carrie Schwab-Pomerantz
January 22, 2014

No matter your age, it's wise to think about what you'd want done in a medical crisis—then put it in writing.

Is Downsizing the Right Move for You?
by Carrie Schwab-Pomerantz
January 15, 2014

Thinking of downsizing? It's great to sell your home when prices are up, but that's not the only consideration.

Can You Save for a Vacation Without Blowing Your Budget?
by Carrie Schwab-Pomerantz
January 08, 2014

Even if money is tight, you can realize your travel dreams—with systematic savings and a little creativity.

529 Accounts: What Happens When Your Child Doesn't Go to College?
by Carrie Schwab-Pomerantz
December 11, 2013

Kid not going to college? Don't despair. Those 529 assets can be used for a variety of higher education costs.

Looking for the Perfect Gift This Season? Consider a Charitable Donation
by Carrie Schwab-Pomerantz
December 04, 2013

If the stress of gift giving is getting you down, a charitable donation in someone's name can be the perfect fit.

If One of You Makes More, Can You Still Be Financial Equals?
by Carrie Schwab-Pomerantz
November 27, 2013

Financial equality isn't just about money. It's also about the way you handle financial changes as a couple. 

Can You and Your Spouse Get on the Same Retirement Planning Page?
by Carrie Schwab-Pomerantz
November 20, 2013

Different money styles don't have to derail retirement planning. Here's how to work as a team.

Got Kids? Make Life a Little Easier With This Financial Checklist
by Carrie Schwab-Pomerantz
October 30, 2013

Raising kids is expensive, but being financially prepared isn't just about money—it's about planning ahead.

10 Scariest Money Mistakes-- Don't Be Tricked!
by Carrie Schwab-Pomerantz
October 23, 2013

Avoid these mistakes now to help build a more financially secure future.

Are Family Obligations Putting a Financial Strain on Your Retirement?
by Carrie Schwab-Pomerantz
October 16, 2013

Helping your family financially doesn't always mean writing a check. Get creative—and protect your nest egg.

Student Loans: Things to Consider Before-- and After-- You Borrow
by Carrie Schwab-Pomerantz
October 09, 2013

Student loans can mean future opportunity—or a heap of financial trouble. Weigh the pros and cons before you sign.

Can the Affordable Care Act Help You Retire Early?
by Carrie Schwab-Pomerantz
October 02, 2013

If health insurance is the only thing keeping you from retiring, the new marketplaces may help your exit strategy.

Saving for College: Five Steps to Get You Started
by Carrie Schwab-Pomerantz
September 25, 2013

Don't panic about the future cost of college. Instead, put yourself on a savings program you can stick with.

Can Middle Schoolers Learn to Make Smart Money Choices?
by Carrie Schwab-Pomerantz
September 11, 2013

Learning about money is a hands-on experience. Give your kids financial responsibility and the lessons will follow.

Financial Steps for Same Sex Spouses
by Carrie Schwab-Pomerantz
August 28, 2013

The Supreme Court opened the door to financial benefits, but same-sex spouses have to take action to get them.