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When Long-Term-Care Policies Kick In

[QUESTION]When does a long-term-care insurance policy start to pay out? What are the benefit triggers, and how long do I have to wait before the benefits kick in?SEE ALSO: Do You Have a Plan in Place for...

How to Fix Your Social Security Earnings Record

[QUESTION]Two years of earnings are missing from my Social Security earnings statement. How can I fix the error? --R.B., St. PaulSEE ALSO: 10 Things You Must Know About Social Security [ANSWER]Call Social...

Who Pays When You Crash a Rental Car?

I buy the collision damage waiver when I rent a car because I don't want my insurance company to know if I'm in an accident. What if I hit another vehicle and it's my fault? --G.T., Albany, N.Y. See Also: Does...

How to Speed Up a Life Insurance Payout

[QUESTION]How long does it usually take after a person dies for a life insurance company to pay out the death benefit? What happens if the beneficiary doesn't know about the policy?[ANSWER]The more information...

Self-Employed? Go Ahead, Make That IRA...

[QUESTION]I'm self-employed and want to contribute to a Simplified Employee Pension (SEP) or a solo 401(k). Can I also contribute the full amount to a Roth IRA?[ANSWER]Yes. Your IRA contributions don't affect...

5 Ways to Protect Your Home From Summer Storms

[QUESTION]I know that hurricane season starts on June 1. What should I be doing to protect my home (and my finances) from storms this summer?[ANSWER]This is the perfect time to take steps to protect your home...

Tap Your Flexible Spending Account Before You...

[QUESTION]Can I really use tax-free money from my flexible spending account for sunscreen?[ANSWER]Yes, you can use tax-free money from your FSA for sunscreen with SPF of 15 or higher and several other items you...

Protect Yourself From Identity Theft When...

[QUESTION]Do I need to let my bank and credit card company know before I leave for vacation? What else should I do to protect my identity when I'm traveling?[ANSWER]It's a good idea to notify your bank and credit...

Your Tree, Your Neighbor's Property: Whose...

[QUESTION]What happens if my tree falls onto my neighbor's property? Does my insurance pay, or does his?[ANSWER]If your neighbor's property is damaged by your tree, then he should file a claim with his insurance...

How Kids Can Start Investing

[QUESTION]I am 16, and I'd like to start investing in stocks. I don't have any income, but my parents are supportive. How can I open an account and start trading?[ANSWER]That's great to hear that you're...

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Stories & Features

Investing

How Investors Can Get Out of a Low-Return Rut

Bloomberg put a little scare into investors last October when it reported on a Research Affiliates...

Spending Wisely

How to Hide Your Online Footprint

If you spend any time at all online, you're probably used to targeted ads. Google the price of a pair...