Sketch Guy: An Essential Budget Query: Is This Spending Aligned with My Values?

Values-based budgeting starts with noticing where your money is going, and then assessing whether that is what’s important to you, a financial planner writes.

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The Haggler: You Have 540 Days to Request a Refund, Starting 541 Days Ago

When buyers stiffed by a bankrupt wine store asked American Express for a refund, the company declined, citing a 540-day window with an uncertain start time.

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Fair Game: Your Mutual Fund Has Your Proxy, Like It or Not

If you invest with a large fund manager, chances are good that your objections to common corporate practices are not getting through.

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Your Money: How to Pay for College With Less Stress

An adviser has a four-step plan to prepare for the financial gantlet that is your child’s college education.

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Wealth Matters: It Pays to Be Wary When Hiring an Estate Sales Agent

After their mother’s death, two siblings found that an agent they hired to conduct a sale of belongings did not keep up her end of the bargain.

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Retiring: The Doctor Is In. In Your House, That Is.

Home medical care, a practice from the past, can cost less than hospital care. But bringing it back faces numerous challenges.

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Your Money Adviser: A New Cost at College: Digital Access Codes

The required purchase of online materials may require a digital access code, costing around $100. There is no buying a used copy, sharing or opting out.

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Think a 401(k) Is Not a Sexy Benefit? Competition May Change That

Better technology, increased competition and new plan offerings are prompting some start-ups to take a second look at introducing retirement benefits.

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Your Money Adviser: Former ITT Technical Students Can Get Counseling at New Website

The site was announced by the Department of Education, which wants to expand support to students left in the lurch when the school closed.

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Sketch Guy: Stubborn Grudges Yield Little. Time to Change Your Investing.

By continuing to invest in the things that hurt you, you only cause yourself more hurt.

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A Sour Surprise for Public Pensions: Two Sets of Books

The plight of a tiny local retirement fund in California shows how some public pension plans are far less funded than their official numbers suggest.

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Your Money: Buying a Mattress Online Was Easy. Now, About the Return.

Web-based mattress retailers vow they’ll take the product back if it flunks a comfy-sleep test. And they do, but it’s not simple.

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Wealth Matters: For College Athletes, Financial Coaching From Retired Pros

Former players like the N.F.L.’s Bart Scott and the N.B.A.’s Antoine Walker use their experiences to help students face the future inside or outside sports.

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By One Measure, Health Care Law Is a Record Success

While the number of people without health insurance is at its lowest, thanks largely to Obamacare, continued declines are far from certain.

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Your Money Adviser: Considering Cremation? What You Need to Know

Though cremation has grown in popularity, substantial numbers of funeral homes don’t tell consumers of the availability and cost of a basic cremation.

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The Haggler: Why Aren’t They in Jail? Here’s One Company Head Who Is

The Haggler finds out that an Alabama businessman actually is in jail — for defrauding the federal government. But customer complaints about his business sent him there early.

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Fundamentally: The Bull Is Still Running. So Why Are Investors Tiptoeing?

Many market strategists warn that caution, rather than greed-induced euphoria, is appropriate at this stage of the seven-year-old bull market.

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Your Money Adviser: A Little Nagging Can Help Reduce Credit Card Debt

A study found that some simple rules about using credit led some consumers to carry less credit card debt.

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Wealth Matters: Owning a Vineyard: The Days of Wine Are Not All Rosy

Even for those skilled in business, separating the romance from the financial reality of producing and selling grapes and wine is not easy.

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Your Money: What Should a Cubs Fan Pay to Realize a Lifelong Dream?

For the chance to see their team in the World Series for the first time in 71 years, some fans are prepared to dig deep, and others may get creative.

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Retiring: Older Entrepreneurs Take On the ‘Concrete Ceiling’

Despite the challenges, older people are creating their own ventures, with some getting help from government as well as AARP and other private groups.

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Your Money Adviser: How to Assess Private Flood Insurance

As rates for federal flood insurance increased, some insurers saw a market for private policies. But consumers should weigh how the policies compare.

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Retiring: Love and Burnout: Caregivers, Too, Need Care

The stress of caring for loved ones with Alzheimer’s and other terminal illnesses can have long-lasting consequences. Reaching out for support is critical.

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Your Money Adviser: How Students and Parents Can Spot I.R.S. Impersonators

Telephone scammers have been targeting students and parents with calls demanding payments for a “federal student tax.”

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Your Money: ‘What if You Weren’t Afraid?’ and 4 More Money Questions From Readers

Not surprisingly, parents and their values influenced how readers said they made decisions about saving, spending and giving.

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