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Law Schools Innovate With Hands-On Learning 03/29/2016 08:00pm • Law school continues to be more of a buyer's market than in years past, as many programs invent new ways to reel in applicants who've been wary of the poor job outlook and steep tuitions. The legal education community is still trying to regain its footing after the Great Recession forced firms to r 50 Affordable Places to Buy a Retirement Home in 2016 03/28/2016 08:00pm • Low cost locales.Downsizing into a smaller and more affordable home can give a quick yet significant boost to your nest egg. Your retirement savings will stretch further if you relocate to a place with less expensive housing. Consider these 50 places with low homeownership costs for retirees.Wheelin Beware the Biggest Threat to Your Credit Score 03/28/2016 08:00pm • You check your credit score, expecting to see your regular 700+ number, but then your stomach sinks. What could possibly have caused it to drop down to 620? You paid your student loans, credit card bills, auto loan and mortgage this month -- as you do every month. This just doesn't make sense! You q 5 Reasons to Avoid Penny Stocks at All Costs 03/28/2016 08:00pm • Listen, there's nothing wrong with saving a little scratch. Ben Franklin's famous adage, "a penny saved is a penny earned," still rings true today, and if you can manage to invest those earnings -- well, you've just compounded a wise decision upon a wise decision. Of course, there are endless pitfal 9 Ways to Help Your 401(k) to Grow Faster 03/27/2016 08:00pm • You know the feeling. Your 401(k) account doesn't seem to be growing fast enough. Sure, you've done the basics. You put in enough money to qualify for the full match that your company offers -- no wasting free money, right? -- but your retirement savings aren't responding the way you would like. In Why Bonds Are Important for Investors 03/27/2016 08:00pm • The specter of rising interest rates brings a number of legitimate concerns about the wider effect on markets. There's worries about slower economic growth, rising expenses for goods and services purchased with credit, narrowing corporate profit margins as operating costs rise and, should the Federa 6 Ways to Spring Clean Your Financial Goals 03/24/2016 08:00pm • Spring is here, and there's no better time for a fresh start. This isn't just the time to break out the shorts, flips-flops and start the spring cleaning, it's time to get your finances back in shape. If things like getting out of debt, saving up to buy your first home and paying off student loans a How to Cultivate a Mindset of Frugality 03/24/2016 08:00pm • My job leaves me living in a hotel a lot of the time. As I ignored my own packet of makeup removing wipes and used the complimentary one at the hotel last night, I realized that I probably save about $6 a year stretching my own makeup wipes by using the free ones when I'm staying at hotels that have Simplified Principles to Achieve Financial Freedom 03/22/2016 08:00pm • Financial independence is having the means to spend your time and energy how you want, on your terms. To that end, we define financial freedom as the point where you are generating enough passive income from your investments to comfortably cover all of your expenses. So how do we get there? In the s 5 Ways Terrorism Affects Your Portfolio 03/22/2016 08:00pm • Terrorist attacks like the one in Brussels leave too much in their wake -- fatalities and injuries, destruction, fear among the populace and many unanswered questions. But one thing they rarely seem to leave anymore is a lasting effect on stocks. While any terrorist attack might evoke memories of th How Bad Credit May Kill Your Job Prospects 03/22/2016 08:00pm • Whether your company shuts down or you're straight out of college and looking for a job, it's likely you have expenses and bills to cover. Without a job, however, it's difficult to keep up with monthly payments along with living expenses, which can negatively affect your credit reports rather quickl 5 Answers for Teachers About Federal Grants for Grad School 03/22/2016 08:00pm • For students, a good rule of thumb is to limit total loan borrowing to no more than your projected first year salary. According to the National Education Association, that average starting salary for teachers was $36,141 in 2012-2013. Borrowing less than that amount can be difficult for prospective Why College Grads Should Start Investing Now 03/21/2016 08:00pm • College graduation for many young Americans is right around the corner. Along with starting a first job and maybe learning to navigate in a new city, starting to stash cash in an investment account now may be one of the most important financial moves new grads can make. It's important to start formi As Health Care Evolves, Consider Why to Go to Med School 03/21/2016 08:00pm • Weighing the pros and cons of applying to medical school can be overwhelming. The average student loan debt for medical school graduates is more than $180,000, not including undergraduate debt. Often students reach age 28 before seeing their first real paychecks. Financial compensation alone will n 5 horrible ways to blow your tax refund (and 3 good ones) 03/21/2016 05:00am • According to the IRS, the average taxpayer will wind up with just less than $2,800 as a refund this year. While that may sound like a ton of money, it can disappear in a hurry. What will people do with this dough? Sadly, in my experience, nothing constructive. When I was a financial adviser, I