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Turning a Saver into a Spender in Retirement 11/23/2015 07:00pm • You spend your entire career saving so that you can stop working. Once you retire, you may be surprised to realize it's hard to change your pre-retirement mindset about the need to save money. A lifetime of saving is a positive habit, and there are emotional and psychological forces that make it fe How to Keep Your Data Safe From Cybercrime 11/22/2015 07:00pm • Americans are increasingly comfortable sharing their financial data and storing their information on cloud services. It's clearly convenient: Data can be easily transmitted to a financial services firm and accessed from various devices, wherever a client or advisor happens to be. Despite growing c When Should Investors Switch from Robo-Advisors to Humans? 11/22/2015 07:00pm • In recent years, I have watched several financial institutions launch automated asset allocation tools, often claiming to revolutionize the financial planning process. These robo-advisors can be valuable tools for consumers who are just starting out on their saving and investing journey, but as the 5 Mistakes IRA and 401(k) Investors Make 11/22/2015 07:00pm • A fact of modern life is that most of us are responsible for financing our own retirement, rather than relying on a company pension. We have Social Security, which provides a baseline income. But Social Security does not pay for a middle class retirement. For that we need the savings we've built up 5 red flags to look for on Airbnb and other vacation rental sites 11/20/2015 07:15am • With the proliferation of vacation rental sites like Airbnb, HomeAway and TripAdvisor Vacation Rentals, you've probably tried, or at least toyed with the idea of, staying in someone else's home. After all, with competitive pricing and more space and amenities than you would expect at a standard hote Some Retirees Pay Higher Medicare Premiums in 2016 11/19/2015 07:00pm • Most retirees will pay Medicare Part B premiums of $104.90 per month in 2016. Medicare payments are prevented by law from increasing faster than Social Security payments. Since Social Security recipients didn't get a cost-of-living adjustment for 2016, most existing Social Security beneficiaries w Coalition formed to help public fight identity theft 11/19/2015 05:54pm • WASHINGTON -- Some people are lousy at protecting their personal and financial information. That’s why a coalition of state, federal and tax industry leaders is urging the public to do more to fight identity theft. "There's nothing more anxiety producing for a taxpayer than to file a return and Column: Holiday shopping scams to watch for 11/19/2015 05:07am • Q: What scams should I watch for this holiday shopping season? A:  The predictions for the 2015 holiday shopping season continue to suggest that we’ll see record spending when it comes to online shopping. This isn’t lost on cyber-criminals, as they gear up to take advantage of the additio 10 Money Steps to Take Before Your 70th Birthday 11/17/2015 07:00pm • Our money needs -- and demands -- are constantly shifting as we age. By the time we reach our 60s, if we've planned well, we have a sizable nest egg that will support us into our older years as we scale back or stop work altogether. That doesn't mean it's time to take a hands-off approach to money, Why 2 Percent Is the New 4 Percent for Investors 11/17/2015 07:00pm • Financial advisor Jennifer Landon has a pretty good idea of what a new client assumes as to how much she can withdraw each year from her retirement savings. That would be 4 percent, because the so-called "4 percent rule" has been a default planning tool for nearly three decades. But that rule, forg Should You Use a Third Party to Negotiate Your Cable Bill? 11/16/2015 07:00pm • Despite many consumers' interest in streaming content online, TV subscription prices continue to rise. In fact, consumer research from Leichtman Research Group Inc. found in a survey of 1,222 American households earlier this year that the mean reported monthly spending on TV cable, satellite or oth How retirement benefits will change in 2016 11/15/2015 07:00pm • Retirement savers will get the option to participate in a new type of retirement account next year, the myRA. There will also be fewer Social Security claiming options for married couples and a small Medicare premium increase for some beneficiaries. Here are some of the important ways retirement ben Secret Service officer arrested in sexting sting 11/13/2015 10:54am • WASHINGTON — A Secret Service officer assigned to the White House has been arrested in an underage sexting sting. Lee Robert Moore, 37, of Church Hill, Maryland, is accused of sending sexually explicit messages and nude pictures of himself to what he assumed was a 14-year-old girl earlier this Why a local man is on the cover of Runner’s World in his underwear 11/13/2015 02:26am • WASHINGTON — If Bobby Gill ever dreamed of gracing the cover of a national magazine as a child, he probably didn’t see it like this. Wait, let’s back up. Gill is only in this position because of his own creation, an event in which thousands of otherwise decent and professional people str How the Budget Deal Changes Social Security 11/12/2015 07:00pm • The Bipartisan Budget Act of 2015 makes significant changes to the Social Security program that impact the payments you will qualify for in retirement. The law eliminates several Social Security claiming strategies, which the bill refers to as "unintended loopholes", that some married couples and f