Sketch Guy: The Paranoid Survive, but They Burn Out. Take a Break.

Don’t think that every moment, ounce of energy and extra cent needs to be maximized. Cut some slack and get used to having a little excess instead.

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Your Money: Finally, Private Unemployment Insurance. But Will Anyone Buy It?

IncomeAssure offers coverage that provides half your pretax pay, minus state jobless benefits, for up to 24 weeks.

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Wealth Matters: Renovations That Add Value to a Home: Think Shingles, Not Marble

Even when updates increase a home’s price, the increase may not line up with the costs of the changes. Certain changes may even lower a home’s value.

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Retiring: The Best Way to Help a Grandchild With College

If a college student is receiving financial aid, grandparents need to take steps to make sure that their help is not a hindrance.

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Your Money Adviser: Charity Navigator Tweaks Its Rating System

The organization says it will change how it assesses a charity’s financial health to provide a better picture over time.

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Your Money: Discover Offers No-Strings FICO Score

The Discover credit services company has set up a website that will supply credit score information even for consumers without a Discover card.

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Your Money Adviser: Rising Premiums for Universal Life Insurance Draw Scrutiny

Some older policyholders are going to court over sharp premium increases that they say are hurting them financially.

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Retiring: Work a Little, Play a Little: A New Retirement Strategy

More older people are fusing paid work, volunteer work and leisure rather than leave the work force for a traditional retirement.

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Wealth Matters: Giving Like Michael Bloomberg: ‘Find One Small Thing’

Observing how philanthropists like the former New York mayor collaborate with others can help smaller donors make a bigger difference.

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Your Money: A Service to Pay Off High-Interest Credit Cards, but a Bad Time to Start

The service, Tally, is starting its business at the same time that a similar lender, Lending Club, is in deep trouble with regulators and financiers.

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Your Money Adviser: Single-Payment Car Title Loans Can Lead to Long-Term Debt

The Consumer Financial Protection Bureau reported that borrowers often end up taking out multiple loans and remain in debt for months.

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Your Money Adviser: F.C.C. Aims to Stop Rise in Robocalls to Those With Student Loans

The agency is proposing rules to limit the number of texts and robocalls that can be made to cellphones.

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Sketch Guy: Notes on Scary Markets from Your Sketch-Wielding Drill Sergeant

It doesn’t make sense to sell a portfolio tailored for you when the market is low, and then buy it back when the market is higher.

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Retiring: Disproving Beliefs About the Economy and Aging

Research shows that older adults work beyond retirement age, are productive and are not blocking younger workers from the job market.

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Wealth Matters: Making Big Donations to Change the World

Some philanthropists are gambling that the larger the charitable contributions, the stronger the social impact on society.

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Your Money: In College Essays About Money, Echoes of Parents’ Attitudes

Among the best essays college applicants sent us this year are ones featuring an artist father, an affluent suburb and a frugal Dominican family.

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Your Money Adviser: Tips for House Hunting in a Seller’s Market

A scarcity of homes for sale is pushing up prices and making house hunting a challenge, especially at the entry level.

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Sketch Guy: Three Ways to Think About ‘Is It Worth It?’

Whether a purchase is worth making is something the buyer must decide personally.

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Wealth Matters: The Role of a Will in Asset Distribution

Though he died without one, Prince needed a will, but for most Americans, the document is either more than they need or far less.

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Building an Estate Sale Business by Franchising a Name and Brand

The business of estate sales is largely unregulated and fragmented. One company aims to establish credibility via franchising.

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Your Money: Jamie Dimon Wants to Protect You From Innovative Start-Ups

The JPMorgan chief complained that personal finance start-ups exploit banking data, but much of what he said misses the mark.

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Retiring: Group Doctor Visits Gain Ground

Shared medical appointments are still relatively rare, but the number is growing in a system rife with 15-minute doctor visits.

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Your Money Adviser: 529A Accounts Let Disabled Save Without Risk to Government Aid

The state-sponsored tax-free accounts allow disabled people to accumulate savings without jeopardizing eligibility for need-based government help.

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Deferred-Interest Promotions Are Back Under Scrutiny

Nearly banned in 2009, such promotions are commonly offered on store-branded credit cards, and have been criticized as misleading and costly.

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Rule on Arbitration Would Restore Right to Sue Banks

The Consumer Financial Protection Bureau is proposing a rule that would limit clauses forcing customers to agree to arbitration instead of pursuing class-action suits.

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