The end result is that while borrowing from a 401(k) plan may be an appealing option for those who need to borrow – where the effective borrowing cost is not the 401(k) loan interest rate but the “opportunity cost” or growth rate of the money inside the account – it’s still not an effective means to actually increase your returns, even if the 401(k) loan interest rate is higher than the returns of the investment account. Instead, for those who have “loan interest” to pay to themselves, the best strategy is simply to contribute the extra money to the 401(k) plan directly, where it can both be invested, and receive the 401(k) tax deduction (and potential employer matching!) on the contribution itself!

...'The stockbroker services his clients in the same way that Bonnie and Clyde serviced banks.' - William Bernstein...

...No surprise health and finance topics listed near the top...

...Sticky caramel and dark chocolate are a natural pair. We found using that darker, Dutch-process cocoa powder in this recipe makes for a more flavorful, cookie-like crust...

If you've read anything about hiring best practices, you've probably read about hiring for culture fit. This isn't an article about convincing you to hire on the basis of culture fit. This is an article on how to actually do that.

...As Dwight D. Eisenhower put it, 'In preparing for battle, I have always found that plans are useless, but planning is indispensable.'...

Some questions have an easy answer and a hard answer. “How much should I contribute to my 401(k)?” is one of them.

Maximizing your Social Security benefits isn't easy, especially since there are hundreds of rules governing payments alone. But since most retired Americans depend primarily on Social Security, it's important to get everything you're entitled to.

Retiring separately doesn’t mean giving up the dream of a happy forever after with each other. It may actually allow couples to ease into a new lifestyle a little more slowly, which can make the adjustment simpler, personally and financially.

...It doesn’t matter how much you plan, you’ll still get some stuff wrong anyway. Don’t make things worse by overanalyzing and delaying before you even get going. Long projects zap morale. The longer it takes to develop, the less likely it is to launch. Make the call, make progress, and get something out now – while you’ve got the motivation and momentum to do so...

Why is it that some people seem to be hugely successful and do so much, while the vast majority of us struggle to tread water? The answer is complicated and likely multifaceted. One aspect is mindset—specifically, the difference between amateurs and professionals. Most of us are just amateurs. What’s the difference?