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Hill & Hillard Realtors, 30 Park Ave., Worcester, Edward Hillard & Terry Hill

NYT > Your Money

Your Money: Nervous About Social Security? Better Prepare Now
If the government has to change Social Security, people may need to put aside a lot more money to make up for any reduction in benefits.

What Kind of Fixes to Social Security Would You Make?
This week's Your Money column looks at the viability of the Social Security system, and how much more you might have to save if benefits were cut.

Thinking Twice About Partnerships
The Wealth Matters column takes up the issue of family limited partnerships, sometimes used by the wealthy to reduce the size of their estate for tax purposes.

Outliers Matter: Why Average Is Not Normal
Carl Richards on why it's time we start thinking about outliers.

Friday Reading: New Rules for Debt 'Relief' Companies
New rules for companies that purport to help people get out of debt, the relationship between unemployment and health and other consumer-focused items from Friday's Times.

Shortcuts: The Benefits of Volunteerism, if the Service Is Real
Even community service done simply to build a résumé for college can be a good thing, but there needs to be a connection between the work and the overall issue.

Patient Money: For Most, Implants Beat Dentures, but at a Price
Prosthetic teeth attached to the jaw with titanium screws are preferred for replacing lost teeth, but they?re expensive, and insurance coverage is usually minimal.

Old Debts Never Die; They Are Sold to Collectors
Collecting old consumer debts has become a labyrinthine industry involving buyers of secondhand debt, muddled statutes of limitation, lawsuits and, sometimes, abusive tactics.

The Haggler: A Stop-Payment Fee That May Never End
A bank customer learns that he can pay $30 to stop payment on a check ? but that the fee covers only the first six months.

Your Money: A Step Toward More Clarity in 401(k) Fees
The fees have long been murky, but new rules from the Labor Department will make the charges a little clearer.

Patient Money: For Chronic Care, Try Turning to Your Employer
Just about every major company offers some sort of chronic care program, but the quality of offerings can vary widely.

HUD to Investigate Mortgage Denials
The agency will look into refusals by some lenders to make home loans to people who were pregnant or on short-term disability.

S.E.C. Moves to Overhaul Mutual Fund Fees
The changes could reduce the amounts that investors pay for sales and marketing activities of brokers.

Inspector Says Loan Modification Program Has Fallen Short
Only 340,000 homeowners have had their mortgages permanently adjusted under the program, a small fraction of those needing assistance.

Seeking a Mortgage? Don?t Get Pregnant
Cautious lenders want borrowers to be on the job with guaranteed income, not on or preparing to go on maternity or paternity leave.

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