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NYT > Your Money (GeoFeed.net)
Thu, 20 Nov 2008 01:46:25 +0100
On 5th Ave., Discounts Arrive Early
Prices are dropping at stores where people usually wrinkle their noses at the mention of the word ?sale.?
Op-Ed Columnist: The Formerly Middle Class
In this recession, maybe even more than other ones, the last ones to join the middle class will be the first ones out.
Itineraries: Savings as Part of the Job
Employees on business trips are increasingly responsive to management?s call to cut travel costs.
New Veterans Hit Hard by Economic Crisis
A combination of factors including unemployment and injury has forced many veterans into foreclosure.
Downturn Drags More Consumers Into Bankruptcy
With their credit cards drained, the latest bankruptcy filers are deeper in debt than those in previous downturns.
In Hard Times, No More Fancy Pants
Belt-tightening has prompted a reconsideration of acceptable consumerism, even among the well-off.
Fundamentally: Market Bottom? For Some Investors, It?s Close Enough
The elusive market bottom may be finally in sight. But don?t count on being able to time the market.
Mortgages: How Rates Are Set
Interest rates are often a mystery for many people applying for home loans.
Your Money: What Happens When Your Insurer Goes Under?
A sort of low-grade fear has set in among insurance policyholders. How can you protect yourself?
Cost of Living: Tight Times Even Tighter for Charities
The fallout from the financial crisis is striking nonprofit groups and charities fast and hard.
The Golden Years, Tarnished
With the economy and stocks in free fall, many retirees are now worried about having enough to carry them through.
Financial Advisers? House Calls
In tough times, employee perks are vulnerable. Yet companies seem to be maintaining, and even adding one in particular -- one-on-one, personal financial advice.
U.S. Shifts Focus in Credit Bailout to the Consumer
Henry M. Paulson Jr. is hoping to put in place a major new lending program run by the Fed and aimed at unlocking the frozen consumer credit market.
Our Towns: Making a Case for Other Bailout Plans
Geographical References: Connecticut
An online brokerage billionaire in Greenwich, Conn., has a simple (and perhaps brilliant) solution to the mortgage meltdown.
Your Money: Negotiating Better Terms for Mortgage
Banks may be willing to negotiate with borrowers who are current with their payments, even if they aren?t promoting it aggressively.
Economic Scene: Buying Binge Slams to Halt
With Wall Street edging back from the brink, a consumer confidence crisis has become the biggest short-term economic issue.
A Town Drowns in Debt as Home Values Plunge
Geographical References: California
Almost 90 percent of homeowners in Mountain House, Calif., owe more on their mortgages than their houses are worth.
Mortgages: Rating the Loan Process
According to a new survey, customers are more happy with their loan process now than they were in the past two years.
Your Money: Is It Time to Have a Money Talk, Child to Parent?
Grown children often don?t know how the devastation in the markets has affected their parents, and vice versa.
Shortcuts: Breaking Financial Bad News to the Children
Telling the children that a parent has been or may be laid off is never going to be easy, but it is necessary.
Market Values: The Time May Be Right for Investing in Medicine
Neglect hurt returns from health care stocks for a while, but in a market like this, being ignored can lead to an outperformance.
Well: Money Is Tight, and Junk Food Beckons
How difficult is it for people with limited income to eat a healthful diet?
Strategies: Avoid Choppy Water and Swim Just as Far
New research raises the possibility that you can do as well as the overall market ? with much less risk ? by parking your portfolio in the safety of cash.
Your Money: Forming a Club to Share Financial Wisdom
What if you had a like-minded group to consult on personal finance questions?
What Gay Unions Don?t Guarantee
The legal and economic challenges facing same-sex couples who are trying to decide whether to marry or not.
Mortgages: Opening the Tap on Home Equity
Lenders are cutting back on homeowners? credit lines or freezing them altogether.
Deals Are Plentiful (but Bring Good Credit)
As lenders tighten their standards, customers with so-so credit history are paying more or getting shut out completely.
Women Buying Health Policies Pay a Penalty
Women pay much more than men for individual insurance policies providing identical coverage, according to new data from insurance companies and online brokers.
Consumers Feel the Next Crisis: It?s Credit Cards
After years of flooding Americans with offers and high limits for credit cards, lenders are cutting back sharply on both.
Rattled by Housing Slide, Consumers See Worse to Come
A widely watched consumer confidence index hit a record low in October as house prices slumped and stocks roiled.
Our Towns: Seeking Higher Education at Lower Prices
SUNY Binghamton has seen a roughly 50 percent increase in applications so far this fall, largely due to its price tag, which is well below most competitive private colleges.
Field Notes: How to Take a Cake Knife to Wedding Costs
With wedding costs spiraling up everywhere and the tremors of a shaky economy threatening to rattle even the best-laid plans, more couples may have to become more resourceful.
Extolling the Value of the Long View
The search for wisdom in personal finance will take you to John C. Bogle, who still preaches the gospel of long-term, low-cost, diversified investing.
Mortgages: Reverse Mortgages Retooled
New laws for reverse-mortgage loans will offer co-op owners the chance to apply for these loans.
Your Money: Weighing an Investment That Promises No Risk
Investors may soon hear a lot about an annuity that promises risk-free growth. They should use caution.
Is It Better to Buy or Rent?
Compare the costs of renting and buying equivalent homes.
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