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Examining Your Options Under Obamacare 11/10/2015 07:00pm • The third open enrollment period under the Affordable Care Act got underway on Nov. 1 and will run through the end of January. Each year at this time, experts urge people to shop for a new health plan, even if they're happy with the coverage they already have. That's because health plans make chang What Required Minimum Distributions Mean for Investors 11/10/2015 07:00pm • Retirement savers of a certain age -- 70½ and up -- never get completely free of nagging chores. Dealing with the required minimum distribution from your tax-favored individual retirement account and 401(k) is one of those headaches -- it's so easy to put off. But if this applies to you, you'd be Immigration, Foreign Policy Splits Republicans In Fourth Debate 11/10/2015 07:00pm • Immigration and foreign policy emerged as bright dividing lines in the fourth Republican presidential debate Tuesday, in which a shrunken stage of candidates wrangled with each other over a wide range of issues, but left front-runners Ben Carson and Donald Trump mostly unscathed. Sen. Ted Cruz of T What Ben Carson Got Right About Taxes in the 4th Republican Debate 11/10/2015 07:00pm • Ben Carson's tax plan is a disaster. A flat tax that the former neurosurgeon and current 2016 GOP candidate likens to religious tithing, it would blow a hole in the federal budget worth trillions of dollars and be monstrously regressive. But it does get one thing right, which he reiterated during T 3 College Savings Strategies for Parents Nearing Retirement 11/10/2015 07:00pm • More parents are waiting to have children later in life, meaning their savings goals for retirement and their children's college education are often on a crash course. The average age of American women having their first child has increased over the past four decades, in part a reflection of an inc Why Market Timing is Especially Bad for Retirees 11/10/2015 07:00pm • Buy low and sell high is a proven strategy that can make you millions. You have probably thought about a trade or two, even if you haven't made any moves lately. Who wouldn't want to boost their returns just by shifting their money around a little bit? It's tempting. Although I advocate buying and Ted Cruz, Marco Rubio Hone Their Acts in Fox Business Network GOP Debate 11/10/2015 07:00pm • I'm telling you, when we enter the final primary stretch, the last men standing are going to be the first-term Cuban senators -- Marco Rubio of Florida and Ted Cruz of Texas. (And while that's now certified conventional wisdom I suggested it more than a month ago.) Watching the debates, you can se The hidden costs of cruising 11/10/2015 02:00pm • For many travelers, the main appeal of cruising is its all-inclusive nature. One rate covers your lodging, most meals and entertainment for the entire trip. Plus, with larger ships, innovative amenities and new destinations continuously being added to itineraries, cruises are an increasingly popular 4 Essential Items for a U.S. College Application 11/09/2015 07:00pm • As a senior in high school, you only apply to college once in your life, so it can be both very exciting and emotionally exhausting. College applications are stressful because missing a single item can jeopardize your chances of admission. Therefore, we have a few essential tips for international 12 Tips for Investors in Their 50s and 60s 11/09/2015 07:00pm • These are your peak income years.There's no getting around it: Saving for retirement is hard. Investors in their 50s and 60s may still be contributing to their child's college education or paying off a mortgage, and the job market in recent years has thrown speed bumps into some workers' careers. As Should Gay Couples Have to Put a Ring on It to Get Employment Benefits? 11/09/2015 07:00pm • As a tax expert at Ernst & Young, Chris Crespo and her partner began receiving same-sex domestic partnership benefits through work in 2002. Now, Crespo is helping the accounting firm with a new program that aims to accommodate the Supreme Court decision legalizing same-sex marriage, albeit in a Initiative to Lower Drinking Age in California Faces Big Obstacles 11/09/2015 07:00pm • California college students will need to put down their booze and frantically pick up clipboards if a proposal to lower the state's drinking age has any chance of hitting November ballots next year. That's because the author of a draft ballot measure that would legalize possession and consumption Undercard Candidates Spar Over Policy, Not Politics 11/09/2015 07:00pm • They didn't like being in the junior varsity debate, relegated to an earlier time slot and unable to go head-to-head against their higher-polling rivals. They didn't produce a YouTube-able moment, or a withering zinger that would dominate the headlines afterward. But the four men who squared off in 7 Fatal Mistakes Investors Must Avoid When Digging Out of Debt 11/08/2015 07:00pm • Being in debt is never easy. With bills mounting, selling off an investment might seem like an obvious solution -- but in doing so, you may be making a huge mistake, experts say. Since September 2014, 30 million Americans have tapped retirement savings to pay for an unexpected expense. And in 2011 5 Year-End Retirement Planning Tips 11/08/2015 07:00pm • The end of the year has a variety of retirement planning deadlines you need to meet in order to qualify for tax deductions and credits. Retirees also need to take action by specific dates to avoid retirement account penalties. Here are some of the retirement planning moves you need to make before ne