category_outlined / Negocios y Finanzas

Money December 2018

MONEY helps you take charge of your finances, providing trusted advice to successfully earn, plan, invest, and spend. MONEY provides in-depth coverage of stocks, mutual funds, the markets, the economy, and the best things money can buy - from travel and technology to home and luxury goods. MONEY also gives you advice on college savings and retirement planning.

United States
Meredith Corporation
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12 Números


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letters & comments

RE: THE BEST BANKS IN AMERICA [NOVEMBER] Ask and You Shall Receive I enjoyed your advice on choosing the right bank in “The Best Banks in America” [November]. I’d like to note that in my experience, many regional banks will offer you a better deal on ATM fee reimbursements or better interest rates if you negotiate. Whenever I have a CD maturing, I compare rates from other banks online and then ask my bank to match the competitor’s rates. Even if the bank cannot give you a better deal, it never hurts to ask. DOUG FRIZZELL, Lucedale, Miss. SPORTS AREN’T EVERYTHING I’m concerned about the affordability of Bloomfield, N.J., for retirement [“Best Places to Retire Now,” November]. I find the town pleasant, but it is located in a county with some of the highest real…

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comments about recent stories on money.com

Re: “This Is the Only Time You Should Accept an Early Retirement Offer” “Evaluate your income, retirement goals, and options before taking a buyout. Make sure an early retirement is right for you by contacting your advisor!” Re: “This Waitress Got a $10,000 Tip—and She Split It With Her Coworkers” “The person who generously gave her the tip was a good judge of character and definitely gave the money to the right person. Great story!” Corrections & Clarifications The investor who bragged about his losses in “Inside the Internet’s Wildest Investing Forum” [November] is Dennis, not Danny, Cao.…

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this middle-class mom will be paying four college tuitions next year—and she’s refusing to borrow money. here’s how she’s doing it

WHEN SABRINA MALONE found out she was pregnant with her fourth child, she cried. It’s not that she didn’t love her children. And it’s not that she didn’t want more. But there was a nagging question that distressed her: How on earth could she and her husband afford to raise and educate so many children? That was 12 years ago, and so far, the Malones—now a family of eight—have made it work. But they’ve just entered into one of the most challenging financial stages of their lives: With a junior at Delaware State University, a freshman at the University of Pennsylvania, and two college-bound high school seniors, the Malones will have four children in college next fall. A bachelor’s degree is now one of the most expensive purchases many Americans make, with the average…

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meet the 31-year-old who saves up to $8,ooo a year clipping coupons

IN 2009, KATIE HERNANDEZ had just graduated from college in the middle of a recession. Like many other millennials she was broke and looking for a way to pay back thousands in student loans. Today she’s a debt-free mother of one with a successful online business. Her secret to success might sound surprising for a person her age. Hernandez, 31, says she saves hundreds of dollars a month by taking an extreme approach to a money-saving tip generally favored by the analog generations before her: clipping coupons. Initially, she and Ernest, her future husband, were looking to trim their spending. It soon became a personal calling. “I thought if I could save even 30%, that would give us some breathing room,” she says. “It turned everything around in our finances.” While Hernandez’s approach…

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a handyman service inspired by grandma

AT JUST 27, Sam Gerstenzang has worked for a who’s who of Internet darlings, including BuzzFeed and Alphabet spinoff Sidewalk Labs. When he found it was time for something new, his next venture came from an unlikely source. “I was not expecting my next project to come from my grandmother,” says the Brooklyn-based Gerstenzang, who has worked as both a software engineer and an investor. Last year, Gerstenzang cofounded Umbrella, a service that helps older adults stay in their homes by connecting them to a vetted group of mostly retired handypeople who help with chores that can become more difficult with age. Umbrella’s part-time workforce ranges from age 25 to 72, while customers range from age 65 to 98, Gerstenzang says. The company is modeled on a firm of the same name that…

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get your job application into the hands of a hiring manager with this perfect method

YOUR DREAM JOB, say as a Google programmer or a globe-trotting wine taster, appears in a posting online. You submit a résumé, and a week goes by—no response. After two or three more weeks, still nothing. The simmering distress boils over as you realize that a response won’t be coming, and you’ll never know why. “Don’t take it personally,” a friend tells you over drinks. The advice sounds canned but is quite literally correct: A robot very likely read and rejected your application. The robot is actually software known as an applicant tracking system (ATS), and it’s used by about 95% of Fortune 500 companies and many online job boards, says John Sullivan, a management professor at San Francisco State University. Since applying for a job is just a click away, companies…