The Wall Street Journal
Personal Finance
The Wall Street Journal
Personal Finance
![[smnprclearwater]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/PF-AB642_smnprc_C_20111206182526.jpg)
Naples beyond your budget? Here are four more affordable retirement havens in the Sunshine State.
![[PF-AB609_smjobs_C_20111130114111.jpg]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/PF-AB609_smjobs_C_20111130114111.jpg)
Real-time advice: The latest jobs numbers seem encouraging, but some economists warn they don't tell the whole story.
Americans are continuing to shed their debt, according to two reports released this week.
Americans Retire With Different Accents
A new study shows that where one lives in the U.S. significantly impacts how they feel about retirement.
The Chinese wealth bubble may be showing signs of strain
![[debit]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/MI-BM529_debit_E_20111207212421.jpg)
A new law that was supposed to reduce costs for merchants that accept debit cards has instead sent monthly processing bills much higher for some of them. And they are passing the higher costs on to customers.
![[sm1208utah]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/PF-AB649_sm1208_A_20111207160243.jpg)
Deal of the Day: Travelers who act fast can find a few bargains for late December travel.
![[smsold]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/PF-AB577_smsold_A_20111128134921.jpg)
Bischoff: Tips for homeowners forced to sell that will help them avoid a tax bill.
![[MIXINGboone]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/IF-AA676_MIXING_A_20111130140232.jpg)
Mixing It Up: Mosaic Financial's Norman Boone offers charitable-giving advice and shares a model fund portfolio for investors seeking moderate risk.
![[smmacys]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/PF-AB634_smmacy_A_20111206003546.jpg)
Hough: Not all rising shares are pricey. These sell for less than the market based on earnings.
![[PF-AB636_smgerm_A_20111206124011.jpg]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/PF-AB636_smgerm_A_20111206124011.jpg)
Real-Time Advice: The global economy will be shaken at every level if Germany lose its Triple-A rating, analysts say.
![[EMERGEjump]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/IF-AA665_EMERGE_A_20111130141203.jpg)
Developing nations are growing fast, attracting lots of dollars from investors. Here are five commonly held misbeliefs -- and realities that fund investors should understand.
![[GETGO-version2]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/BF-AB895A_GETGO_A_20111202173919.jpg)
Complaining works. Here's how and when to complain to retailers and service providers.
![[smtipping]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/PF-AB632_smtipp_A_20111205163749.jpg)
Deal of the Day: What to give to whom -- even on a tight budget.
![[sm12days_partri]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/PF-AB588_sm12da_A_20111129135535.jpg)
The cost of all the items from that famous Yuletide number have hit a new milestone -- $100K. Here's the breakdown.
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![[DEATHDEBT]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/P1-BD646_DEATHD_A_20111202185400.jpg)
When you die, your debts usually die with you. Surviving family members rarely have a legal obligation to pay unless they co-signed a loan. Debt collectors are targeting survivors who might agree to pay at least part of the deceased's debt.
Assets in money-market funds rose by $25.26 billion in the week ended Wednesday on across-the-board increases, led by big flows of cash into institutional funds, according to the Investment Company Institute.
Adviser Alert: Plus, other news for brokers, wealth managers and their clients.
![[smnprdurango]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/PF-AB619_smnprd_A_20111201172048.jpg)
Four less-known havens for living the Rocky Mountain high life.
![[HOME_FRONT2]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/WK-BA161_HOME_F_A_20111208224016.jpg)
A Michigan couple who love modern architecture decide to push the boundaries for their dream home.
![[PASSAT]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/OD-AM695_PASSAT_A_20111129224825.jpg)
The new Passat isn't as accountant-bitten as VW's Jetta, but enthusiasts still won't be thrilled, says Dan Neil.
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![[planb]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/NA-BO473_planb_A_20111208182453.jpg)
President Barack Obama said Thursday he didn't influence a controversial decision to block the Plan B emergency contraceptive from being sold to young girls without a prescription, but made clear he supports the move.
![[Nayar]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/OB-QX741_Nayar_A_20111208145304.jpg)
When it comes to workplace evaluations, many executives profit from seeing – and sharing – their reviews
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![[NUMBERillo]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/IF-AA681_NUMBER_A_20111130150102.jpg)
For the full story on a fund or ETF, make sure to look at distributions as well as the change in share price over time.
![[ETFillo]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/IF-AA672_ETFill_A_20111201112504.jpg)
There are ETFs based on the thesis that demand for water will rise as global population grows. But as the funds' investments show, there are few pure plays.
![[THIN]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/IF-AA667_THIN_A_20111130141346.jpg)
Have providers saturated the market for narrowly focused funds?
![[HY]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/IF-AA674_HY_A_20111130145157.jpg)
The income from low-rated bonds is far above that from Treasurys, even though defaults have been few.
![[CLOSED]](/Code-https-web.archive.org/web/20111209055224im_/http://si.wsj.net/public/resources/images/IF-AA662_CLOSED_A_20111130140639.jpg)
Closed-end funds can pay off for investors who understand their quirks.
| Loan Types | Rate | Last Week | Chart |
|---|---|---|---|
| 1 yr CD | 0.74% | down ↓ | see chart |
| 6 month CD | 0.45% | down ↓ | see chart |
| 3 month CD | 0.27% | down ↓ | see chart |
| $10K MMA | 0.55% | down ↓ | see chart |
| MMA | 0.48% | down ↓ | see chart |
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