Question: I’m a divorced 51-year-old woman who needs advice about how to improve my financial future. The only advice I’ve gotten so far is from an adviser at my bank who has put $45,000 into some sort of annuity. I also have about $25,000 in a money-market account there and $55,000 in a managed portfolio of funds.

Income Funds: Show me the money!
Tens of millions of baby boomers are approaching retirement, and if you’re among them, you’re likely wondering how you’re going to tap your portfolio for the income you’ll need over decades of life after work.

Poor credit history, sub prime credit history, adverse credit history, non status credit history, impaired credit history or bad credit history. There are many incarnations of this term but the idea still remains the same.
It means that a person has taken a loan previously and has defaulted with the repayments. Which makes it difficult for people to get loans and even when they get loans it is at an inflated rate of interest. All this is estimated on the basis of your credit score and it represents our financial credit worthiness. A score of below 600 is the score which puts the tag of poor credit on us. There are other scores as well which tell us about our standing like FICO scores. Experts for calculating usually take factors like payment history, amounts owed and types of credits used. So they all should not be ignored.

This strong autumn rally makes me worry investors are ahead of themselves.

Pulling cash from your home: What’s new, what to do
Not long ago, a well-known economist surprised me by suggesting that it’s a good time for homeowners to tap their equity to buy stocks.

Best used-car programs
Volkswagen has the best “certified pre-owned” car program of an non-luxury brand, according to a survey by IntelliChoice.com.

Show me the money!
Tens of millions of baby boomers are approaching retirement, and if you’re among them, you’re likely wondering how you’re going to tap your portfolio for the income you’ll need over decades of life after work.

They can yield terrific bargains if you know how to shop them.

College savings: beyond the 529
QUESTION: We have some money set aside for our 18-month old son which we would like to invest for him. Other than a 529 plan, what other investments would you suggest? – Lynn, CA

Pulling cash from your home: What’s new, what to do
Not long ago, a well-known economist surprised me by suggesting that it’s a good time for homeowners to tap their equity to buy stocks.

12,000 Reasons to Sell
Another milestone for the Dow provides more incentive to take profits.

Alternative-energy providers supply power at cheaper rates.

Millionaires, luv that 401(k)
Most people move into a bigger house when they have kids.

Nervous About Optimism
This strong autumn rally makes me worry investors are ahead of themselves.

Getting around the ’401(k) penalty’
Question: My husband and I are trying very hard to get our finances in order and save for retirement. But just when we thought we’d be able to contribute the maximum $15,000 this year to my husband’s 401(k) because he got a nice raise, we found out he is considered a “highly compensated employee.”

NEW YORK (CNNMoney.com) For most of us retirement comes at the end of our career. But for Jeff Martin, 34, retirement from the Army is just over the horizon. Martin is five years away from being able to leave the Army with a pension of half his current $5940 monthly income.

12,000 Reasons to Sell
Another milestone for the Dow provides more incentive to take profits.

10 Most reliable cars
Picks from Consumer Reports. See winners in 10 categories – and losers too.

Money Magazine brings you the best gifts at the best prices at five retailers you can’t avoid.

Getting your IRA mix right
Question: I rolled my 401(k) from a previous employer into an IRA three years ago and think I need to take a fresh look at the asset allocation.

What Now for Real Estate?
The events of 9/11 fueled America’s greatest real estate boom. Five years later, it may be over.

Holding Firm on Web Stocks
The Internet’s fair-weather friends have flown. But I’m staying put.

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Too many debts to deal with? Has it become unmanageable? Different interest rates, different loan terms, different monthly instalment dates…too confusing??? Here’s the solution you’ve been looking for – ‘Debt Consolidation Plan’. Debt consolidation loans, as you may be aware consolidate all debts incurred through personal loans, home improvement loans, credit card dues, overdrafts, or any number of unpaid bills that have built up over time. These loans allow you to consolidate all your loans into one – giving you one single easy to manage monthly payment, and in most cases, at a lower rate of interest. However, with the Debt Consolidation market so vast with innumerable loans available, it sure becomes difficult to zero down on any one. The preparation, approach and groundwork involved in getting a debt consolidation loan is called a Debt Consolidation Plan.

We can solve all our needs or demands but the one aspect of that we do not have in our hands is the financial aspect of that need. It is something which is out of our hands it is fixed by some one else.

That is the reason which can compel us to go in for outside help that outside financial help being loan. One need brings other and it being the scenario we may be forced to take different loans.

The CVS-Caremark deal didn’t trade as planned. That’s an opportunity.

Colossally Stupid
H-P should have worried less about leakers, and more about what was being leaked.

What Now for Real Estate?
The events of 9/11 fueled America’s greatest real estate boom. Five years later, it may be over.

Good habits are hard to break
Some people get a thrill out of spending — the Turners are excited to save.

6 salary secrets and myths
Employers seem to have the better hand in pay negotiations. But here are 6 ways to better read the cards they hold.