Commentary

When I got home from work the other day, I was greeted by two very unusual messages on my answering machine. The first one said: “Hello, we have made several attempts to reach you. This call is officially a final notice from the Internal Revenue Service. The reason for this call is to inform you …

Dear college freshmen, Congratulations—this is the start of an exciting new chapter! It’s a time to have fun and learn as much as you can. And, while you’re not graduating until 2019, you need to start now figuring out what you want to do after college and how to land your dream job. Getting a …

A new world in banking is emerging as millennials look for on-demand solutions for their credit needs. For them traditional lenders are highly inefficient at originating and servicing loans, and lengthy, paper-based application processes take too much time. In recent years, online lending platforms, which include so-called “marketplace lenders” and “peer-to-peer lenders,” have emerged to …

Despite our best efforts, we continue to be shocked by new horror stories about the Social Security Administration (SSA) that our readers bring to our attention. The latest galling example is one of the worst we’ve ever seen, and involves how the agency decides what to do when someone wants to defer benefits. Readers of …

In the midst of the 2015 NFL Draft, there is a great deal of money heading to rookie football players. Many of them will be experiencing the excitement of sudden wealth. In 2014, for example, the NFL drafted more than 250 rookies who collectively signed contracts totaling more than $950 million—with 11 players receiving more …

It’s indisputable that constructing a well-diversified portfolio is the cornerstone of a sound investment strategy. And many investors believe they are doing just that when they buy mutual funds and ETF’s that track major indexes such as the S&P 500.  But these investments might not offer buyers the diversification their names suggest, and in fact …

Summer is just around the corner. And that means summer vacations and for many students … that also means your first summer job or internship. Here are tips for how to make the most out of your summer internship. Who knows … this could be the first step to landing your dream job out of …

These days, in our world of instant gratification, it’s more important than ever to be able to stay focused on saving money any way you can. So to help you monitor your spending habits and cut expenses, here are 20 easy ways you can save every day—starting right now. How’s that for instant gratification? 1. …

There are few occasions in life so filled with optimism—and stress—as leaving one company to join another. Regardless of how common career moves are, the tactical skill and emotional fortitude required is anything but typical. The stakes are high, and as a result, mistakes are often made. Here are three rules to follow to help …

TopRight Strategic Marketing was founded in 2006 by a group of former chief marketing officers and marketing strategists from companies including McKinsey and Booz & Co. In the early years, we experienced modest success in the market, but the business was difficult to scale, with our growth limited to leveraging our existing client relationships. Simply …

As president and CEO of Catalyst, an organization committed to expanding opportunities for women and business worldwide, I’m often asked why there are still so few women in senior leadership roles—like Meg Whitman, president and CEO of Hewlett Packard—and what forward-thinking men and women can do about it. Quite frankly, the numbers are embarrassing. Although …

If you think IRS tax liens are required to stay on your credit report for seven years, even if you’ve paid your tax debt in full, then it’s time we let the genie out of the bottle. A tax lien—the government’s claim against all or some of your assets based on your failure to pay …

Amidst political fanfare on Monday, President Obama formally announced his support of the Department of Labor’s attempt to hold more financial advisors to a fiduciary standard of care by broadening the definition of “investment advice” to include more service providers. The effort has been stalled for the past five years as the brokerage industry has …

Are you feeling lucky? Did you buy a Powerball ticket for tonight’s drawing, which will pay out an estimated $500 million jackpot? Join the club: Thousands upon thousands will fork over at least $2 apiece for a ticket in the 43 states—along with the District of Columbia and the U.S. Virgin Islands—participating in the lottery. …

I have been a financial planner for quite some time now. There are a lot of things that are very easy to understand about planning and there are many other aspects that are incredibly complex. At least when you are starting out, by focusing on the basics and doing them well, you can get a …