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	Is the 4% Rule Still Viable? Ruffenach: A fresh look at the 4% retirement-withdrawal rule. Trust Me, I'm a Fund Manager Financial firms are rolling out a bevy of mutual funds that let their managers invest in pretty much anything. Should investors give them the reins? Cliffs Stands to Profit From Emerging-Markets Building Boom The company has been expanding its mining operations into eastern Canada, western Australia and Brazil, and its push outside the U.S. could help its shares climb as high as $115. Facebook, Dead or Alive Supply and demand for Facebook stock will ensure IPO madness. The 2012 IPO market, otherwise, will be just another yawner, writes Al's Emporium. Dividend Stocks Aren't the New Bonds You can get generous yields…but also considerable risk. Consider using stocks as just one element in a diversified income portfolio. The Scramble for Catchy ETF Tickers With many tickers already taken and others reserved for future products, finding a symbol that's both available and memorable isn't as easy as it sounds. Risk-Parity Funds Redefine 'Balance' A new group of allocation funds are based on the view that there is something fundamentally wrong with the classic 60-40 stocks-to-bonds mix. What to Do With 529-Plan Leftovers If you haven't used all the money in your college savings plan, don't just cash it in. You have other options. Goodbye to Market Timing Mixing It Up: The father-and-son team behind Merriman Inc. were once big proponents of market timing. No more. Here the firm shares a model buy-and-hold portfolio. Bill Gross...and Fund Fees Fund Fiend: Other firms are likely to feel pressure to follow Pimco into low-cost ETFs. Are Bank Stocks 'Responsible'? The Occupy movement would shun the biggest financial institutions. Few of the 'socially responsible' funds do that. Ways to Bet on a Rebound in Europe The outlook is cloudy, but stocks look fairly cheap. One option: index ETFs dominated by multinationals. Professor's Advice: It's Best to Be Bored David Snowball, creator of the Mutual Fund Observer website, says exciting investments can be hazardous. Among mutual funds, he suggests promising new offerings and overlooked gems. How to Strike It Big in the New Energy Boom New profits and investment opportunities are coming from the surge in U.S. gas and oil production. 'America on the verge of near self-sufficiency.' An Annuity Can Still Make Sense Despite the current ultralow rates, immediate annuities can still be a good option for retirees who need guaranteed income right now. Hospital Observations Can Get Costly for Medicare Recipients Observation care is billed as outpatient care, leaving Medicare beneficiaries with higher out-of-pocket expenses. Fees on Prepaid Debit Cards Add Up Prepaid debit cards are being pitched as a way to avoid the growing number of bank fees. But these products have costs of their own, including monthly service, ATM and refilling fees. Money Moves to Make Now, Not at the End of the Year Contrary to conventional wisdom, there are some regular money moves that are better done at the beginning of the year rather than the end. Gen Y Invests More Than It Thinks 18-to-30-year-olds say they don't feel comfortable about stocks, but that bears little resemblance to how they actually invest. Years Late, Trillions of Dollars Short The president has rolled out another government program to help homeowners hit by falling home prices, but there's little reason to think this plan will enjoy much more success than the previous ones.

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Benson Real Estate
By Gary Ng
In the great state of Arizona, situated in Cochise county, Benson offers the small town feel with the big city needs; established neighborhoods, shopping malls and a modern hospital. In addition, nearby you will find a great deal of history, amusements, culture and breathtaking scenery only found in the painted deserts of Arizona. All of these great benefits in an economically priced market. Prime Benson is located in the scenic San Pedro Valley near the San Pedro River. Although surrounded by majestic mountain ranges, a great deal of Benson is primarily flat and level land, ideal for ranches and homesteads. Much of the available Benson is in unincorporated areas, however this land is near enough to the necessities of city life; you can enjoy the best of both worlds. There is also plenty of available Benson in the city limits, if you prefer more populated areas. The city also offers many annual activities and festivals, along with community events. Some Benson is close to many historical sites, such as Tombstone, Arizona the famous town from western folklore. Another historical site is the Cochise Stronghold, once the refuge of the great Apache Chief, Cochise, and his people,

Reverse Mortgages Now Look Cheaper
Some of the country's biggest reverse-mortgage lenders are slicing costs—helping even some affluent homeowners who want to generate additional income.
Is It Time to Refinance Your Mortgage?
With interest rates on the rise, more homeowners are asking that question. The answer depends, in part, on how long they plan to live in their current home.
Data Theft Hits 3.3 Million Borrowers
Company and federal officials said they believed last week's theft of identity data from a student-loan guarantor was the largest-ever breach of such information and could affect up to 5% of all federal student-loan borrowers.
New Help for College Borrowers
Buried in the health-care bill is some modest help for parents borrowing to pay college costs. But the legislation doesn't address current and former students who are wrestling with education debt.
BofA Ends Some Overdraft Fees
Bank of America plans to announce that it is eliminating $35 overdraft fees on debit-card purchases as the bank tries to stay ahead of a sweeping round of regulations.
Defaulted Loans May Haunt Seniors
A little-noticed law could result in smaller Social Security checks for hundreds of thousands of seniors who owe the U.S. money from defaulted loans and other debts more than a decade old.
Home-Saving Moves Afoot
Pressure is growing on U.S. banks to ease terms for distressed homeowners on home-equity loans and other second-lien mortgages.
How Much Is a College Degree Worth?
Families are evaluating the reasons to pursue higher education and how much tuition they want to pay.
New BofA CEO Seeks Credit-Card Fix
When Bank of America Corp.'s new chief executive takes over next week, one of the first problems he will face is one he's already been grappling with—the bank's credit-card business.
Tamer Cards for Tougher Times
When the economy was roaring, charge cards requiring users to pay balances in full took a back seat to revolving credit cards. Now charge cards are making a comeback.
More Borrowers Drawn to 15-Year Mortgage
Lured by rock-bottom interest rates, a growing share of borrowers looking to refinance are opting for a 15-year mortgage instead of the traditional 30-year one.
Fixing Troubled Mortgages for Elderly
Option adjustable-rate mortgages are proving nearly as toxic as subprime mortgages. To help certain seniors, banks are using a novel strategy.
'Underwater' vs. Foreclosure
Why most people who owe more than a property's worth will still keep their homes.
When Credit-Card Rules Take Effect
Starting Aug. 20, credit-card users will get new protections, the first of a series of federal actions that constrain card issuers from changing terms on customers. A look at some of the rules.
Debt-Relief Firms Attract Complaints
Regulators say many companies that promise to clear up unpaid bills don't deliver. The consequences are trashing customers' credit scores.
Your Cash: How Safe Is Safe?
Strategies on how to keep hundreds of thousands of dollars safely stowed away under FDIC protection.
Car Loan Delinquencies Rise
Auto-loan delinquencies are on the rise as cash-strapped Americans increasingly struggle to repay car and truck loans, according to a study.
Loan Delinquencies Reappear
Loan delinquencies jumped at the fastest pace since last year in August for many categories.
Tackle Credit Cards Now
People ages 25 to 34 hold an average of $4,358 in credit-card debt and not many of them complete a "get out of debt" plan in less than three years. But it is possible. Here are some tips on how to begin -- and stick with -- a debt diet.
Kids Get Money-Wise at Camp
Financial education is expanding to an unlikely audience -- younger kids, even grade-school students. This summer, school-age children will attend finance camp, where they'll take trips to a bank or delve into investing simulations.

located in the Coronado National Forest. Purchasing Benson will put you in the center of a diverse cultural zone with the Museum of the American Indian. Explore the rich Native American culture in the center of Indian Territory where the Benson area is proud of their heritage. Buying Benson does not mean you will be giving up the amenities offered by the big city, as Tucson is just 30 miles West. Benson is also within an hours drive of a hot spot for vacationing, the beaches of Rocky Point, Mexico. If you are fortunate enough to find any Benson near the amazing Kartchner Caverns, you could spend time exploring the magnificent natural formations found there. The cavern was discovered in 1974, and opened to the public in 1988. Water percolates from the surface and form calcite stalactites (the worlds longest at 21 feet 2 inches) and stalagmites as well as a variety of bell canopies, shields, totems and a massive 58-foot column named 'Kubla Khan'. Should you choose to purchase Benson real estate, you will have the comforts of the nearby big city while enjoying the solitude of the small town feel in a culturally diverse and beautifully scenic area, rich in history, comfortable in climate and economic in price.
Exploring How To Secure That Dream Home You've Always Wanted? Held Back by Tight Finance? Visit http://www.loansaverssite.com

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Belize Real Estate
By Gary Ng
Ever wanted to own your own Island or maybe a beautiful home in a culturally rich and warm climate that is not overpopulated? Belize may be the place you are looking for. Nestled on the Caribbean Read more...