Personal Dividends - Money and Lifestyle

As April 15 inches closer for U.S. tax filers, it’s time to get serious about looking for income tax breaks. This includes tax credits and tax deductions related to your children. Indeed, the fact that you have a family plays heavily in your favor at tax time, with existence of a number of tax breaks. [...]

At the end of last month, most of the new rules from the Credit CARD Act went into effect. While there are some restrictions on some credit card issuer practices, the bottom line is that these are creative business people determined to make a profit. Many credit card issuers have been sending out amendments to agreements and other notices. I hope you have been reading the fine print in communications from your credit card issuers, because here 5 ways that they can still nail you.

It’s up to you to reduce your health insurance costs and other health care costs. One of the best ways to do this is to live a healthier lifestyle. While you can never fully protect against accidents and some diseases (like cancer and genetic diseases), you can improve your overall health and reduce your chances of heart disease, obesity and diabetes — all of which can get quite costly.

If you are dissatisfied with your company’s 401k, there is no reason to put too much of your money into it. Put in enough to earn your company’s highest match — you don’t want to leave free money on the table — and then consider these options as supplements.

You can significantly reduce your paper clutter — and save your sanity — when you understand which papers to preserve, and which you can toss. Use this handy guide to determine how long to keep certain documents.

Sometimes you just can’t do all of the things you should when it comes to ensuring a whole night of uninterrupted sleep. In situations that involve newborns, you actually need to come up with different tricks for getting better sleep. You want to get good rest as a new parent, and here are 5 tips for getting the sleep you need.

As you know, this year is a magical year for the Roth IRA retirement account. It is possible to convert your traditional IRA into a Roth IRA, no matter your income. However, before you jump on the Roth IRA conversion wagon, there are a few things you should consider. Here are 6 things to know about the 2010 Roth IRA conversion.

Now that the year is solidly under way, and you might be slowing down in terms of financial resolutions, consider these 5 items that can keep you fiscally fit in February.

Lack of sleep can add up to a sleep deficit that can turn into a real problem, affecting your physical, mental and emotional health, and even affecting your happiness.

Even though people are revved up now, and even though all of the economic stimulus ideas sound nice, the real question is this: Will Obama’s policies help the economy? The reality is that Obama is likely to find himself a frustrated president unable to do much of real impact for the economy while partisan bickering continues as each party worries more about taking the other down than actually attending to the people’s business.