HERMONEY: PERSONAL FINANCE ADVICE FOR WOMEN BY JEAN CHATZKYEARNSAVEINVESTPROTECTBORROWCONNECT Providing the latest on budgeting, investing, financial planning and more to improve our relationships with money, one woman at a time. THE 10 HEALTHIEST (AND MOST AFFORDABLE) PLACES TO RETIRE 4. Portland, Oregon. With one of the country’s most active running scenes (there are more than 200 5Ks held each year within 25 miles of the city) and top-notch health-care options like the Oregon Health and Science University Hospital, this green city lands the No. 4 spot on the list of healthiest and most affordable places to retire. 5. 401(K) LOAN VS. HARDSHIP WITHDRAWAL: NEW CARES ACT RULES Larger plans are more likely to have a loan feature. According to data from the Employee Benefit Research Institute, 90% of plans with 1,000 or more participants allow 401 (k) loans, versus 30% of plans with 10 or fewer participants. Fisher does note, however, that most plan administrators are adopting the new 401 (k) hardship distribution

rules.

IF YOUR CREDIT SCORE IS UNDER 700, MAKE THESE 5 MOVES ASAP 3. Ask This Website to Help You Pay Your Credit Card Bill This Month. If you can’t seem to get your credit score to budge over 700, it might be because you have some serious credit card debt. And the truth is, your credit card company isn’t really helping you. It’s just ripping you off with super-high rates. THE NEW RULES OF BORROWING MONEY FROM YOUR 401(K) AND That means you’ll owe income taxes and have to pay a 10% early withdrawal penalty. Pre-coronavirus, you could borrow upwards of $50,000 from your 401 (k), or 50% of your vested account balance, whichever was lower. (See the standard IRS rules on hardships, early withdrawals and loans.) But with the CARES Act, that rule and others

have changed.

I’M GETTING MARRIED: HOW DO I PROTECT MYSELF FINANCIALLY? After all, aside from the powerful romantic and emotional reasons you get married, you are probably also getting married in part to reap the financial benefits of the married state — i.e., to take advantage of the economies of scale and to build wealth together. A prenup may end up being limiting and counterproductive,” she says. DOES YOUR PARTNER RESENT YOUR SUCCESS? The study suggests that gender beliefs might moderate the effect, and “having a partner who experiences a success might hurt men’s implicit self-esteem because ambition and success are qualities that are generally important to women when selecting a mate.”. Of course, this is a generalization. WHEN IT'S OK TO TAKE MONEY FROM YOUR PARENTS To open up the conversation, here are 13 readers talking honestly about if and why they take money from their parents. 1. Hell yeah, I take money. I am married to an artist and raising two kids in NYC. I wouldn’t be able to do it without financial help from my parents. I feel no guilt — I’m an only child. —Jessica, 35. PROPERTY DIVISION IN DIVORCE property owned by either spouse before the marriage, or obtained by either spouse after the Date of Separation, inheritances received by either spouse, gifts to either spouse from a third party, payments for pain and suffering in personal injury lawsuits, and. property designated as separate property in an existing pre- or post-nuptial

agreement.

6 WAYS HAVING SEX MAKES YOU SMARTER Here are six science-backed reasons why having sex makes you smarter. 1. It grows more brain cells. Bed down more often and you’ll actually grow more neurons in the brain, University of Maryland researchers found. Consistent sex generates more brain cells in the area of the hippocampus, a region associated with information

retention.

HERMONEY: PERSONAL FINANCE ADVICE FOR WOMEN BY JEAN CHATZKYEARNSAVEINVESTPROTECTBORROWCONNECT Providing the latest on budgeting, investing, financial planning and more to improve our relationships with money, one woman at a time. THE 10 HEALTHIEST (AND MOST AFFORDABLE) PLACES TO RETIRE 4. Portland, Oregon. With one of the country’s most active running scenes (there are more than 200 5Ks held each year within 25 miles of the city) and top-notch health-care options like the Oregon Health and Science University Hospital, this green city lands the No. 4 spot on the list of healthiest and most affordable places to retire. 5. 401(K) LOAN VS. HARDSHIP WITHDRAWAL: NEW CARES ACT RULES Larger plans are more likely to have a loan feature. According to data from the Employee Benefit Research Institute, 90% of plans with 1,000 or more participants allow 401 (k) loans, versus 30% of plans with 10 or fewer participants. Fisher does note, however, that most plan administrators are adopting the new 401 (k) hardship distribution

rules.

IF YOUR CREDIT SCORE IS UNDER 700, MAKE THESE 5 MOVES ASAP 3. Ask This Website to Help You Pay Your Credit Card Bill This Month. If you can’t seem to get your credit score to budge over 700, it might be because you have some serious credit card debt. And the truth is, your credit card company isn’t really helping you. It’s just ripping you off with super-high rates. THE NEW RULES OF BORROWING MONEY FROM YOUR 401(K) AND That means you’ll owe income taxes and have to pay a 10% early withdrawal penalty. Pre-coronavirus, you could borrow upwards of $50,000 from your 401 (k), or 50% of your vested account balance, whichever was lower. (See the standard IRS rules on hardships, early withdrawals and loans.) But with the CARES Act, that rule and others

have changed.

I’M GETTING MARRIED: HOW DO I PROTECT MYSELF FINANCIALLY? After all, aside from the powerful romantic and emotional reasons you get married, you are probably also getting married in part to reap the financial benefits of the married state — i.e., to take advantage of the economies of scale and to build wealth together. A prenup may end up being limiting and counterproductive,” she says. DOES YOUR PARTNER RESENT YOUR SUCCESS? The study suggests that gender beliefs might moderate the effect, and “having a partner who experiences a success might hurt men’s implicit self-esteem because ambition and success are qualities that are generally important to women when selecting a mate.”. Of course, this is a generalization. WHEN IT'S OK TO TAKE MONEY FROM YOUR PARENTS To open up the conversation, here are 13 readers talking honestly about if and why they take money from their parents. 1. Hell yeah, I take money. I am married to an artist and raising two kids in NYC. I wouldn’t be able to do it without financial help from my parents. I feel no guilt — I’m an only child. —Jessica, 35. PROPERTY DIVISION IN DIVORCE property owned by either spouse before the marriage, or obtained by either spouse after the Date of Separation, inheritances received by either spouse, gifts to either spouse from a third party, payments for pain and suffering in personal injury lawsuits, and. property designated as separate property in an existing pre- or post-nuptial

agreement.

6 WAYS HAVING SEX MAKES YOU SMARTER Here are six science-backed reasons why having sex makes you smarter. 1. It grows more brain cells. Bed down more often and you’ll actually grow more neurons in the brain, University of Maryland researchers found. Consistent sex generates more brain cells in the area of the hippocampus, a region associated with information

retention.

HERMONEY PODCAST EPISODE 269: HOW TO CHANGE We are now halfway into 2021, which is hard to believe, but in many ways, June of 2021 feels more like a fresh start than January did. We’ve got summer that’s finally here, more of us are able to travel and see our families and friends, we’re heading back to the office, and in so many ways, we’re returning to “real life.”

PODCASTS ARCHIVES

Subscribe to the HerMoney Podcast with Jean Chatzky. In the HerMoney podcast, Jean takes every audience of women through the steps they need to take today to live comfortably (and worry-free) tomorrow, offering the latest research, expert tips and personal advice. MY BOSS WON’T LET ME WORK FROM HOME ANYMORE… SHOULD I QUIT As remote workers are called back into the office, and you’re not nearly ready, what are your options? THE 5 BUILDING BLOCKS OF YOUR NEW WORK WARDROBE After being out of the office for over a year, your work wardrobe probably needs a makeover. Check out these basics to help with the

transition.

10 BASIC INVESTING QUESTIONS Here’s a breakdown. 1. What’s the Difference Between a Stock and a Share? “Shares” are the ownership certificates of a specific company — so you might say you have 50 shares of Facebook. Owning stock, on the other hand, is a more general term that means you own a number of shares in a company or multiple companies. MOVING? HERE’S HOW TO KEEP COSTS DOWN You sold your house! Now the inevitable is here: packing, moving and unpacking. Here’s how to save money so you can spend more on your beautiful new space. THE MOST ESSENTIAL SKILLS YOU’RE BUILDING WHILE WORKING Conscientiousness. When you think of valuable skills for the workplace, conscientiousness might not be top-of-mind, but it’s always been key, regardless of industry. And in times like these, it’s seldom been more essential. “You get hired for extraversion, and then you get raises for conscientiousness,” says Fasules. I’M GETTING MARRIED: HOW DO I PROTECT MYSELF FINANCIALLY? After all, aside from the powerful romantic and emotional reasons you get married, you are probably also getting married in part to reap the financial benefits of the married state — i.e., to take advantage of the economies of scale and to build wealth together. A prenup may end up being limiting and counterproductive,” she says. 5 PSYCHOLOGICAL BENEFITS OF FINANCIAL FREEDOM Higher self esteem. There is strength found in patting ourselves on the back. Self-accomplishment and autonomy are great for our confidence. The pride and sense of progress in achieving financial freedom is a gateway to even better things. “With these positive consequences occurring, increased self-confidence and self-esteem can

also develop

10 BEST FINANCE BOOKS FOR WOMEN While his practices can be polarizing, Ramsey’s “The Total Money Makeover” is a worthy read that takes a hard line on the common mistakes many of us make — overusing credit, living above our means, and trying to keep up with the Joneses. One of Ramsey’s adages, “Live like no one else now so later you can live like no one else HERMONEY: PERSONAL FINANCE ADVICE FOR WOMEN BY JEAN CHATZKYEARNSAVEINVESTPROTECTBORROWCONNECT Providing the latest on budgeting, investing, financial planning and more to improve our relationships with money, one woman at a time. 401(K) LOAN VS. HARDSHIP WITHDRAWAL: NEW CARES ACT RULES New CARES Act rules for early 401(k) withdrawals make it easier to raid your retirement savings and blurs the line between loans and hardship distributions. THE ULTIMATE 2021 CHECKLIST FOR FIRST-TIME HOMEBUYERS The real estate market is hot but are you really ready to buy your first home? If this is the year, make sure you’re fully prepared with this checklist. 2021’S NEW RULES OF JOB OFFER NEGOTIATION After a year full of swift changes to our working lives, where flexibility was demanded and anxiety was handed out in generous doses, most working professionals are looking forward to brighter days ahead

in 2021.

THE NEW RULES OF BORROWING MONEY FROM YOUR 401(K) AND The COVID-19 pandemic has caused millions of people to lose their jobs or temporarily stop earning an income. The halt in cash flow means you or any of your friends and relatives can’t afford basic necessities, like making home payments and buying food. 20 QUOTES FROM POWERFUL WOMEN ON GRATITUDE Gertrude Stein “Silent gratitude isn’t very much use to anyone.” Gertrude Stein was an American author of plays, poetry and novels. She moved to Paris in 1903 and notably never returned to the United

States.

DREAMING ABOUT MONEY? WHAT DO THESE MONEY DREAMS MEAN? What Does Dreaming About Winning Money Mean? Before you chalk it up to just wishful thinking, dream expert Anna-Karin Bjorklund, author of “Dream Guidance: Interpret Your Dreams and Create the Life You Desire!” suggests that the “winning” feeling could relate to other aspects of your life you have good feelings about, such as being

lucky in love.

IF YOUR CREDIT SCORE IS UNDER 700, MAKE THESE 5 MOVES ASAP It feels like you’re doing everything you can to be responsible with your money, but your credit score never seems to make it over 700. THE 10 HEALTHIEST (AND MOST AFFORDABLE) PLACES TO RETIRE Ask retirees what their priorities are when looking for places to retire, and you’ll hear one message loud and clear: They care about their health.. In fact, nearly two in three middle-income retirees ages 47 to 75 to say that good health is “extremely important” to a satisfying retirement, according to a study from The Center for a

Secure Retirement.

6 WAYS HAVING SEX MAKES YOU SMARTER Among other reasons, sex makes you smarter because it helps reduce stress, which can be bad for the brain. Here's why it's good to get it

on.

HERMONEY: PERSONAL FINANCE ADVICE FOR WOMEN BY JEAN CHATZKYEARNSAVEINVESTPROTECTBORROWCONNECT Providing the latest on budgeting, investing, financial planning and more to improve our relationships with money, one woman at a time. 401(K) LOAN VS. HARDSHIP WITHDRAWAL: NEW CARES ACT RULES New CARES Act rules for early 401(k) withdrawals make it easier to raid your retirement savings and blurs the line between loans and hardship distributions. THE ULTIMATE 2021 CHECKLIST FOR FIRST-TIME HOMEBUYERS The real estate market is hot but are you really ready to buy your first home? If this is the year, make sure you’re fully prepared with this checklist. 2021’S NEW RULES OF JOB OFFER NEGOTIATION After a year full of swift changes to our working lives, where flexibility was demanded and anxiety was handed out in generous doses, most working professionals are looking forward to brighter days ahead

in 2021.

THE NEW RULES OF BORROWING MONEY FROM YOUR 401(K) AND The COVID-19 pandemic has caused millions of people to lose their jobs or temporarily stop earning an income. The halt in cash flow means you or any of your friends and relatives can’t afford basic necessities, like making home payments and buying food. 20 QUOTES FROM POWERFUL WOMEN ON GRATITUDE Gertrude Stein “Silent gratitude isn’t very much use to anyone.” Gertrude Stein was an American author of plays, poetry and novels. She moved to Paris in 1903 and notably never returned to the United

States.

DREAMING ABOUT MONEY? WHAT DO THESE MONEY DREAMS MEAN? What Does Dreaming About Winning Money Mean? Before you chalk it up to just wishful thinking, dream expert Anna-Karin Bjorklund, author of “Dream Guidance: Interpret Your Dreams and Create the Life You Desire!” suggests that the “winning” feeling could relate to other aspects of your life you have good feelings about, such as being

lucky in love.

IF YOUR CREDIT SCORE IS UNDER 700, MAKE THESE 5 MOVES ASAP It feels like you’re doing everything you can to be responsible with your money, but your credit score never seems to make it over 700. THE 10 HEALTHIEST (AND MOST AFFORDABLE) PLACES TO RETIRE Ask retirees what their priorities are when looking for places to retire, and you’ll hear one message loud and clear: They care about their health.. In fact, nearly two in three middle-income retirees ages 47 to 75 to say that good health is “extremely important” to a satisfying retirement, according to a study from The Center for a

Secure Retirement.

6 WAYS HAVING SEX MAKES YOU SMARTER Among other reasons, sex makes you smarter because it helps reduce stress, which can be bad for the brain. Here's why it's good to get it

on.

HERMONEY: PERSONAL FINANCE ADVICE FOR WOMEN BY JEAN CHATZKY Providing the latest on budgeting, investing, financial planning and more to improve our relationships with money, one woman at a time. HERMONEY PODCAST EPISODE 269: HOW TO CHANGE We are now halfway into 2021, which is hard to believe, but in many ways, June of 2021 feels more like a fresh start than January did. We’ve got summer that’s finally here, more of us are able to travel and see our families and friends, we’re heading back to the office, and in so many ways, we’re returning to “real life.” MOVING? HERE’S HOW TO KEEP IT BUDGET-FRIENDLY You sold your house! Now the inevitable is here: packing, moving and unpacking. Here’s how to save money so you can spend more on your

new space.

10 BASIC INVESTING QUESTIONS At first blush, investing may seem inaccessible and confusing. But it’s a fairly simple concept. Here’s the gist: Investors (like you) buy a piece of a company or lend money to a company (or to the government) in the hopes of making more money. I MAKE MUCH MORE THAN MY HUSBAND I am a woman who makes more than my husband and our situation is growing less unique by the day. The percentage of women breadwinners has been rising steadily over the past 30 years — it’s now 28 percent of all married-couple families, according to the most recent Bureau of Labor Statistics data.And as women continue to earn more higher-education degrees than men, it’s likely this trend 6 WAYS TO IMPROVE YOUR LOOK BEYOND FASHION We love a quick fix or a swift upgrade— life’s bandaids for personal improvement. And when it comes to our appearance, we are particularly susceptible to purchasing things that promise to be the holy grail of beauty and attractiveness, like a magical potion or a wonder-garment. But in reality, these heavily marketed faux-panaceas can put more of a strain on your finances than a spring in WHAT REALLY HAPPENS WHEN YOU DON’T PAY YOUR CREDIT CARD BILL 2 to 3 Months. If your payment is more than 30 days late, your account will be reported to the credit bureaus, says Beverly Harzog, consumer credit expert and author of The Debt Escape Plan.The missed payment could remain on your credit report for up to seven years, but you can minimize its damage to your score by making on-time payments going

forward.

THE REAL CHALLENGE FOR WOMEN BREAKING THE GLASS CEILING From August to September alone, the pandemic drove 865,000 women from the workforce — four times as many men. 5 PSYCHOLOGICAL BENEFITS OF FINANCIAL FREEDOM Financial freedom looks different to everyone. For some, it’s being debt-free and having enough money to live comfortably. For others, financial freedom means being able to care for children or loved ones without budget strain. HOW COUPLES CAN SPLIT THEIR MONEY AND BILLS TO BE FAIR Whether it’s through marriage or cohabitation, there comes a point in most serious relationships when we start talking bank accounts and savings accounts, investment strategies and retirement plans.And the big question: Should we split our bills 50-50? HERMONEY: PERSONAL FINANCE ADVICE FOR WOMEN BY JEAN CHATZKYEARNSAVEINVESTPROTECTBORROWCONNECT Providing the latest on budgeting, investing, financial planning and more to improve our relationships with money, one woman at a time. 401(K) LOAN VS. HARDSHIP WITHDRAWAL: NEW CARES ACT RULES Larger plans are more likely to have a loan feature. According to data from the Employee Benefit Research Institute, 90% of plans with 1,000 or more participants allow 401 (k) loans, versus 30% of plans with 10 or fewer participants. Fisher does note, however, that most plan administrators are adopting the new 401 (k) hardship distribution

rules.

6 WAYS TO IMPROVE YOUR LOOK BEYOND FASHION The fact that good posture also makes you look taller, thinner, healthier and more confident are more reasons to stand up straight. Unfortunately, good posture does not come naturally for most of us (especially those of us slumped at a desk most of the day). Take control of your posture: Deliberately align yourself in the mirror;

your head

THE NEW RULES OF BORROWING MONEY FROM YOUR 401(K) AND That means you’ll owe income taxes and have to pay a 10% early withdrawal penalty. Pre-coronavirus, you could borrow upwards of $50,000 from your 401 (k), or 50% of your vested account balance, whichever was lower. (See the standard IRS rules on hardships, early withdrawals and loans.) But with the CARES Act, that rule and others

have changed.

THE ULTIMATE 2021 CHECKLIST FOR FIRST-TIME HOMEBUYERS Zillow is forecasting home sales for this year to reach a 40-year high, and says that 2021 will be a blockbuster year in real estate that will really kick off during the spring home shopping season. “Everybody wins in a market like this,” Pendleton says. “Buyers win because of the rates, and sellers win because of the demand.”. IF YOUR CREDIT SCORE IS UNDER 700, MAKE THESE 5 MOVES ASAP 3. Ask This Website to Help You Pay Your Credit Card Bill This Month. If you can’t seem to get your credit score to budge over 700, it might be because you have some serious credit card debt. And the truth is, your credit card company isn’t really helping you. It’s just ripping you off with super-high rates. THE 10 HEALTHIEST (AND MOST AFFORDABLE) PLACES TO RETIRE 4. Portland, Oregon. With one of the country’s most active running scenes (there are more than 200 5Ks held each year within 25 miles of the city) and top-notch health-care options like the Oregon Health and Science University Hospital, this green city lands the No. 4 spot on the list of healthiest and most affordable places to retire. 5. WHAT REALLY HAPPENS WHEN YOU DON’T PAY YOUR CREDIT CARD BILL And if you continue to avoid paying your credit card, you’ll rack up more late fees. (After the first missed payment, the late fee is capped at $37 for subsequent lapses, per the Credit CARD Act of 2009, and is adjusted annually for inflation, Sanders says.) That interest rate increase of up to 29.99 percent becomes much more likely once

your

HOW COUPLES CAN SPLIT THEIR MONEY AND BILLS TO BE FAIR Make a list of all your combined expenses: housing, taxes, insurance, utilities. Then talk salary. If you make $60,000 and your partner makes $40,000, then you should pay 60 percent of that total toward the shared expenses and your partner 40 percent. For instance, if the rent is $1,000, you pay $600 and your partner contributes $400. 6 WAYS HAVING SEX MAKES YOU SMARTER Here are six science-backed reasons why having sex makes you smarter. 1. It grows more brain cells. Bed down more often and you’ll actually grow more neurons in the brain, University of Maryland researchers found. Consistent sex generates more brain cells in the area of the hippocampus, a region associated with information

retention.

HERMONEY: PERSONAL FINANCE ADVICE FOR WOMEN BY JEAN CHATZKYEARNSAVEINVESTPROTECTBORROWCONNECT Providing the latest on budgeting, investing, financial planning and more to improve our relationships with money, one woman at a time. 401(K) LOAN VS. HARDSHIP WITHDRAWAL: NEW CARES ACT RULES Larger plans are more likely to have a loan feature. According to data from the Employee Benefit Research Institute, 90% of plans with 1,000 or more participants allow 401 (k) loans, versus 30% of plans with 10 or fewer participants. Fisher does note, however, that most plan administrators are adopting the new 401 (k) hardship distribution

rules.

6 WAYS TO IMPROVE YOUR LOOK BEYOND FASHION The fact that good posture also makes you look taller, thinner, healthier and more confident are more reasons to stand up straight. Unfortunately, good posture does not come naturally for most of us (especially those of us slumped at a desk most of the day). Take control of your posture: Deliberately align yourself in the mirror;

your head

THE NEW RULES OF BORROWING MONEY FROM YOUR 401(K) AND That means you’ll owe income taxes and have to pay a 10% early withdrawal penalty. Pre-coronavirus, you could borrow upwards of $50,000 from your 401 (k), or 50% of your vested account balance, whichever was lower. (See the standard IRS rules on hardships, early withdrawals and loans.) But with the CARES Act, that rule and others

have changed.

THE ULTIMATE 2021 CHECKLIST FOR FIRST-TIME HOMEBUYERS Zillow is forecasting home sales for this year to reach a 40-year high, and says that 2021 will be a blockbuster year in real estate that will really kick off during the spring home shopping season. “Everybody wins in a market like this,” Pendleton says. “Buyers win because of the rates, and sellers win because of the demand.”. IF YOUR CREDIT SCORE IS UNDER 700, MAKE THESE 5 MOVES ASAP 3. Ask This Website to Help You Pay Your Credit Card Bill This Month. If you can’t seem to get your credit score to budge over 700, it might be because you have some serious credit card debt. And the truth is, your credit card company isn’t really helping you. It’s just ripping you off with super-high rates. THE 10 HEALTHIEST (AND MOST AFFORDABLE) PLACES TO RETIRE 4. Portland, Oregon. With one of the country’s most active running scenes (there are more than 200 5Ks held each year within 25 miles of the city) and top-notch health-care options like the Oregon Health and Science University Hospital, this green city lands the No. 4 spot on the list of healthiest and most affordable places to retire. 5. WHAT REALLY HAPPENS WHEN YOU DON’T PAY YOUR CREDIT CARD BILL And if you continue to avoid paying your credit card, you’ll rack up more late fees. (After the first missed payment, the late fee is capped at $37 for subsequent lapses, per the Credit CARD Act of 2009, and is adjusted annually for inflation, Sanders says.) That interest rate increase of up to 29.99 percent becomes much more likely once

your

HOW COUPLES CAN SPLIT THEIR MONEY AND BILLS TO BE FAIR Make a list of all your combined expenses: housing, taxes, insurance, utilities. Then talk salary. If you make $60,000 and your partner makes $40,000, then you should pay 60 percent of that total toward the shared expenses and your partner 40 percent. For instance, if the rent is $1,000, you pay $600 and your partner contributes $400. 6 WAYS HAVING SEX MAKES YOU SMARTER Here are six science-backed reasons why having sex makes you smarter. 1. It grows more brain cells. Bed down more often and you’ll actually grow more neurons in the brain, University of Maryland researchers found. Consistent sex generates more brain cells in the area of the hippocampus, a region associated with information

retention.

HERMONEY PODCAST EPISODE 269: HOW TO CHANGE We are now halfway into 2021, which is hard to believe, but in many ways, June of 2021 feels more like a fresh start than January did. We’ve got summer that’s finally here, more of us are able to travel and see our families and friends, we’re heading back to the office, and in so many ways, we’re returning to “real life.” MOVING? HERE’S HOW TO KEEP IT BUDGET-FRIENDLY You sold your house! Now the inevitable is here: packing, moving and unpacking. Here’s how to save money so you can spend more on your

new space.

2021’S NEW RULES OF JOB OFFER NEGOTIATION Know — And Own — Your Value. First things first: before you can go to battle for what you want in this job negotiation, you need to have a firm understanding of your value. And most importantly, you should be confident in what you bring to the table. Teresa Sabatine, an empowerment and leadership coach, says because it’s a competitive

job

10 BASIC INVESTING QUESTIONS Here’s a breakdown. 1. What’s the Difference Between a Stock and a Share? “Shares” are the ownership certificates of a specific company — so you might say you have 50 shares of Facebook. Owning stock, on the other hand, is a more general term that means you own a number of shares in a company or multiple companies. 20 QUOTES FROM POWERFUL WOMEN ON GRATITUDE Margaret Cousins. “Appreciation can make a day — even change a life. Your willingness to put it into words is all that is necessary.”. Margaret Cousins was a suffragist who established the All India Women’s Conference (AIWC) in 1927. 5 PSYCHOLOGICAL BENEFITS OF FINANCIAL FREEDOM Higher self esteem. There is strength found in patting ourselves on the back. Self-accomplishment and autonomy are great for our confidence. The pride and sense of progress in achieving financial freedom is a gateway to even better things. “With these positive consequences occurring, increased self-confidence and self-esteem can

also develop

ALLY, ADVOCATE, MENTOR, SPONSOR The moral of the story is be upfront. Don’t assume someone is your mentor; ask them if they’re up for the job. “And if someone says ‘No’ don’t stop there,” Underwood says. “Ask someone else.”. Career advisor Allison Cheston recommends joining networking groups for women to find potential mentors. “Women really do work

hard

I JUST FOUND OUT MY MONEYTYPE™. DISCOVER YOURS. Developed in conjunction with a psychologist, MoneyType uncovers the traits that are driving your financial decisions. Your MoneyType report will be broken down into five personality traits, giving you insights into how you think about and manage money. The results are I’M GETTING MARRIED: HOW DO I PROTECT MYSELF FINANCIALLY? After all, aside from the powerful romantic and emotional reasons you get married, you are probably also getting married in part to reap the financial benefits of the married state — i.e., to take advantage of the economies of scale and to build wealth together. A prenup may end up being limiting and counterproductive,” she says. 7 WAYS TO NEGOTIATE TIME OFF BETWEEN JOBS Negotiate Time off Between Jobs. Make It Part of the Deal. Don’t Be Afraid to Speak Up. Make and Honor a Prior Commitment. Demonstrate the Mutual Benefits. Make It Up on the Backend. Nab a Quick Vacation Early. When in Doubt, Start Midweek. HERMONEY: PERSONAL FINANCE ADVICE FOR WOMEN BY JEAN CHATZKYEARNSAVEINVESTPROTECTBORROWCONNECT Providing the latest on budgeting, investing, financial planning and more to improve our relationships with money, one woman at a time. THE 10 HEALTHIEST (AND MOST AFFORDABLE) PLACES TO RETIRE 4. Portland, Oregon. With one of the country’s most active running scenes (there are more than 200 5Ks held each year within 25 miles of the city) and top-notch health-care options like the Oregon Health and Science University Hospital, this green city lands the No. 4 spot on the list of healthiest and most affordable places to retire. 5. 401(K) LOAN VS. HARDSHIP WITHDRAWAL: NEW CARES ACT RULES Larger plans are more likely to have a loan feature. According to data from the Employee Benefit Research Institute, 90% of plans with 1,000 or more participants allow 401 (k) loans, versus 30% of plans with 10 or fewer participants. Fisher does note, however, that most plan administrators are adopting the new 401 (k) hardship distribution

rules.

THE NEW RULES OF BORROWING MONEY FROM YOUR 401(K) AND That means you’ll owe income taxes and have to pay a 10% early withdrawal penalty. Pre-coronavirus, you could borrow upwards of $50,000 from your 401 (k), or 50% of your vested account balance, whichever was lower. (See the standard IRS rules on hardships, early withdrawals and loans.) But with the CARES Act, that rule and others

have changed.

IF YOUR CREDIT SCORE IS UNDER 700, MAKE THESE 5 MOVES ASAP 3. Ask This Website to Help You Pay Your Credit Card Bill This Month. If you can’t seem to get your credit score to budge over 700, it might be because you have some serious credit card debt. And the truth is, your credit card company isn’t really helping you. It’s just ripping you off with super-high rates. 10 BEST FINANCE BOOKS FOR WOMEN While his practices can be polarizing, Ramsey’s “The Total Money Makeover” is a worthy read that takes a hard line on the common mistakes many of us make — overusing credit, living above our means, and trying to keep up with the Joneses. One of Ramsey’s adages, “Live like no one else now so later you can live like no one else I’M GETTING MARRIED: HOW DO I PROTECT MYSELF FINANCIALLY? After all, aside from the powerful romantic and emotional reasons you get married, you are probably also getting married in part to reap the financial benefits of the married state — i.e., to take advantage of the economies of scale and to build wealth together. A prenup may end up being limiting and counterproductive,” she says. MAKE A BIGGER DOWN PAYMENT ON A HOME OR INVEST THE CASH?SEE MORE ON

HERMONEY.COM

DOES YOUR PARTNER RESENT YOUR SUCCESS? The study suggests that gender beliefs might moderate the effect, and “having a partner who experiences a success might hurt men’s implicit self-esteem because ambition and success are qualities that are generally important to women when selecting a mate.”. Of course, this is a generalization. WHEN IT'S OK TO TAKE MONEY FROM YOUR PARENTS To open up the conversation, here are 13 readers talking honestly about if and why they take money from their parents. 1. Hell yeah, I take money. I am married to an artist and raising two kids in NYC. I wouldn’t be able to do it without financial help from my parents. I feel no guilt — I’m an only child. —Jessica, 35. HERMONEY: PERSONAL FINANCE ADVICE FOR WOMEN BY JEAN CHATZKYEARNSAVEINVESTPROTECTBORROWCONNECT Providing the latest on budgeting, investing, financial planning and more to improve our relationships with money, one woman at a time. THE 10 HEALTHIEST (AND MOST AFFORDABLE) PLACES TO RETIRE 4. Portland, Oregon. With one of the country’s most active running scenes (there are more than 200 5Ks held each year within 25 miles of the city) and top-notch health-care options like the Oregon Health and Science University Hospital, this green city lands the No. 4 spot on the list of healthiest and most affordable places to retire. 5. 401(K) LOAN VS. HARDSHIP WITHDRAWAL: NEW CARES ACT RULES Larger plans are more likely to have a loan feature. According to data from the Employee Benefit Research Institute, 90% of plans with 1,000 or more participants allow 401 (k) loans, versus 30% of plans with 10 or fewer participants. Fisher does note, however, that most plan administrators are adopting the new 401 (k) hardship distribution

rules.

THE NEW RULES OF BORROWING MONEY FROM YOUR 401(K) AND That means you’ll owe income taxes and have to pay a 10% early withdrawal penalty. Pre-coronavirus, you could borrow upwards of $50,000 from your 401 (k), or 50% of your vested account balance, whichever was lower. (See the standard IRS rules on hardships, early withdrawals and loans.) But with the CARES Act, that rule and others

have changed.

IF YOUR CREDIT SCORE IS UNDER 700, MAKE THESE 5 MOVES ASAP 3. Ask This Website to Help You Pay Your Credit Card Bill This Month. If you can’t seem to get your credit score to budge over 700, it might be because you have some serious credit card debt. And the truth is, your credit card company isn’t really helping you. It’s just ripping you off with super-high rates. 10 BEST FINANCE BOOKS FOR WOMEN While his practices can be polarizing, Ramsey’s “The Total Money Makeover” is a worthy read that takes a hard line on the common mistakes many of us make — overusing credit, living above our means, and trying to keep up with the Joneses. One of Ramsey’s adages, “Live like no one else now so later you can live like no one else I’M GETTING MARRIED: HOW DO I PROTECT MYSELF FINANCIALLY? After all, aside from the powerful romantic and emotional reasons you get married, you are probably also getting married in part to reap the financial benefits of the married state — i.e., to take advantage of the economies of scale and to build wealth together. A prenup may end up being limiting and counterproductive,” she says. MAKE A BIGGER DOWN PAYMENT ON A HOME OR INVEST THE CASH?SEE MORE ON

HERMONEY.COM

DOES YOUR PARTNER RESENT YOUR SUCCESS? The study suggests that gender beliefs might moderate the effect, and “having a partner who experiences a success might hurt men’s implicit self-esteem because ambition and success are qualities that are generally important to women when selecting a mate.”. Of course, this is a generalization. WHEN IT'S OK TO TAKE MONEY FROM YOUR PARENTS To open up the conversation, here are 13 readers talking honestly about if and why they take money from their parents. 1. Hell yeah, I take money. I am married to an artist and raising two kids in NYC. I wouldn’t be able to do it without financial help from my parents. I feel no guilt — I’m an only child. —Jessica, 35. 10 BASIC INVESTING QUESTIONS Here’s a breakdown. 1. What’s the Difference Between a Stock and a Share? “Shares” are the ownership certificates of a specific company — so you might say you have 50 shares of Facebook. Owning stock, on the other hand, is a more general term that means you own a number of shares in a company or multiple companies. HERMONEY PODCAST EPISODE 269: HOW TO CHANGE HerMoney How-To: All About Emergency Funds (How Much, Best Accounts, Rules for Women and More) 2021’S NEW RULES OF JOB OFFER NEGOTIATION Know — And Own — Your Value. First things first: before you can go to battle for what you want in this job negotiation, you need to have a firm understanding of your value. And most importantly, you should be confident in what you bring to the table. Teresa Sabatine, an empowerment and leadership coach, says because it’s a competitive

job

6 WAYS TO IMPROVE YOUR LOOK BEYOND FASHION We love a quick fix or a swift upgrade— life’s bandaids for personal improvement. And when it comes to our appearance, we are particularly susceptible to purchasing things that promise to be the holy grail of beauty and attractiveness, like a magical potion or a wonder-garment. But in reality, these heavily marketed faux-panaceas can put more of a strain on your finances than a spring in 5 THINGS YOU SHOULD KNOW ABOUT INHERITING MONEY 1. Know the Difference Between Lump Sums and Installments. As soon as you find out you’re inheriting money, you might immediately think of ways you’ll spend it. But note that funds can come through in either one large lump sum or span out over a number of installments as specified in the will. 2. HOW TO FIGHT DISCRIMINATION WITH YOUR WALLET Celebrating Pride month means continuing the fight against discrimination and inequality. Here’s what you can do to help. THE MOST ESSENTIAL SKILLS YOU’RE BUILDING WHILE WORKING Conscientiousness. When you think of valuable skills for the workplace, conscientiousness might not be top-of-mind, but it’s always been key, regardless of industry. And in times like these, it’s seldom been more essential. “You get hired for extraversion, and then you get raises for conscientiousness,” says Fasules. WHAT THE DRESS CODE WILL REALLY LOOK LIKE WHEN WE HEAD After more than a year of working from home and living in leggings, we’re all wondering what our bosses expect us to wear when we return

to the office.

6 OF THE MOST UNCOMFORTABLE CONVERSATIONS ABOUT MONEY If it’s you on the other end of the conversation, be honest. “If lending them money will get in the way of your finances, let the person know that now isn’t a good time. Or, if you simply don’t feel comfortable with lending money, just be upfront,” Straub says. If, however, you are in 20 QUOTES FROM POWERFUL WOMEN ON GRATITUDE Margaret Cousins. “Appreciation can make a day — even change a life. Your willingness to put it into words is all that is necessary.”. Margaret Cousins was a suffragist who established the All India Women’s Conference (AIWC) in 1927. You've confirmed your subscription! Explore our articles, podcasts

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