Why Prenups Aren't Just for Rich People

When most people think prenup, they think of protecting assets. When you don’t have any assets, it’s only natural to disregard the idea. But prenuptial agreements aren’t just something wealthy people should consider. There are plenty of reasons to consider one even if you don’t have a huge net worth.
» 4/24/15 9:30am Friday 9:30am

Make a Good First Impression by Assuming Someone Already Likes You

First impressions can be a lot of pressure. The goal is usually to get the other person to like you, and being nervous can have the opposite effect. For a calm, warmer first impression, assume the person already likes you.
» 4/24/15 7:30am Friday 7:30am

Beware Breaking the Contribution Limit of Your IRA

If you can max out your IRA every year, you’re in good shape. Not only are you saving for your future; you’re also taking advantage of the tax benefit of an IRA. Because of this benefit, the IRS has strict rules for how much you can contribute. Be careful not to exceed their limit, because you’ll be penalized.
» 4/24/15 6:00am Friday 6:00am

Change Into Non-Work Clothes at the End of the Day If You Work Remotely

Keeping a healthy work-life balance can be tough when you work from home. You’ve probably heard it helps to dress like you’re going into the office. This separates your “work” mindset from your “home” mindset. Take that idea a step further by changing out of those “work clothes” at the end of the day. » 4/23/15 9:30am Thursday 9:30am

How I Got Over My Fear of Confrontation and Learned to Speak Up

Years ago, I started a brand new job, and I was contracted on terrible project. There was no real work to do, so instead of technical writing—my actual job—I spent my time getting coffee for people and making copies. Rather than ask my boss about this, I kept it to myself. Weeks later, she confronted me, puzzled:… » 4/23/15 4:00am Thursday 4:00am

Should I Buy a Home or Just Keep Renting?

Dear Two Cents,
I’m out of debt, and I’m now saving for a down payment on a home. It’s always been my dream to be a homeowner. But lately, I read a lot of arguments against it in favor of renting. How do I know if it’s a good idea for me? Should I buy or keep renting? » 4/22/15 4:00am Wednesday 4:00am

Ask for a "Validation Notice" to Expose a Debt Collection Scam 

If you’ve been in debt for a while, you’ve likely received plenty of annoying phone calls from debt collection agencies. But not all of these calls are legit. If you’re not careful, you could fall for a debt collection scam. When talking to a collector, make sure to ask for a “validation notice.”
» 4/21/15 5:30am Tuesday 5:30am

How Do You Enjoy a Vacation on a Budget?

Flights and lodging are a couple of the most expensive, obvious costs associated with a vacation. There are plenty of ways to cut costs on those areas. But if you’re on a tight budget for the rest of your trip, how do you save money and still enjoy your vacation? » 4/20/15 11:30am Monday 11:30am

Find More Emotional Balance With the “Positivity Ratio”

There are benefits to negative thinking, but many of us could use a little more optimism in our lives, whether it’s to be more productive or just to feel a little more balanced. You can train yourself to be happier with the “3-to-1 Ratio” for positivity.
» 4/20/15 9:30am Monday 9:30am

Learn to Say No By Always Asking for Time to Think

Some of us have a hard time saying no to people. Whether it’s a personal favor, work you don’t have time for, or an invitation to an event you don’t feel like attending, we all occasionally agree to things we don’t really want to do. If you struggle with this, stop overcommitting yourself by making sure you always ask… » 4/19/15 1:00pm 4/19/15 1:00pm