This spotlight on Personal Finance offers tips on retirement funds, mortgages, new tax laws and more.

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  • Are younger investors too conservative?

    Despite their youth and long-term investing horizon, “Millennials” -- Americans born between 1979 and 1999 -- have been significantly affected by the lingering effects of the financial crisis, as evidenced by the trends we see with their investing behavior.

  • Distribution dilemmas

    We all look forward to the day when we can finally kick back, relax and collect our carefully planned and hard-earned retirement savings. But rushing to withdraw your retirement funds could cost you a great deal of money in taxes. That’s why planning now for the future is so important.

  • Labor Department rule for 401(k) plans too broad, JPMorgan says

    Regulations proposed by the U.S. Department of Labor to protect workers and employers from conflicts of interest in retirement plans may be too broad, a JPMorgan Chase & Co. executive testified in Washington earlier this month.

  • 4Q credit card data shows use returning to normal

    NEW YORK — Consumers used more plastic during the holiday season without ballooning their balances, and the delinquency rate for credit-card accounts fell to its lowest point in 15 years. That's a positive combination reflected in the latest quarterly analysis from the credit reporting agency TransUnion.

  • IRS eases rules on liens for delinquent taxpayers

    WASHINGTON — The Internal Revenue Service says it's trying to help people who are struggling to pay delinquent tax bills, so it's reducing the number of property liens and easing rules for small businesses to enter into installment agreements.

  • Reverse mortgages may be a viable financial solution for some

    Reverse mortgages have long carried a negative connotation, but that might be changing.

Profiles

  • San Diego native helps clients, community prepare for financial future

    More than 20 years ago, Deana Carter launched Carter Financial, a North County financial advising firm. And while the market has had some dizzying ups and downs during the past two decades, she hasn’t looked back once. In fact, if you ask her what her biggest regret is in her career, she’ll say it’s that she didn’t start her own business sooner.

National News

  • Labor Department rule for 401(k) plans too broad, JPMorgan says

    Regulations proposed by the U.S. Department of Labor to protect workers and employers from conflicts of interest in retirement plans may be too broad, a JPMorgan Chase & Co. executive testified in Washington earlier this month.

  • 4Q credit card data shows use returning to normal

    NEW YORK — Consumers used more plastic during the holiday season without ballooning their balances, and the delinquency rate for credit-card accounts fell to its lowest point in 15 years. That's a positive combination reflected in the latest quarterly analysis from the credit reporting agency TransUnion.

  • IRS eases rules on liens for delinquent taxpayers

    WASHINGTON — The Internal Revenue Service says it's trying to help people who are struggling to pay delinquent tax bills, so it's reducing the number of property liens and easing rules for small businesses to enter into installment agreements.