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Expert Articles

Expert articles are stories that have been written and approved for publication by TD Bank employees and the corporate communications team. Here you will find the latest articles written by our experts about trends in the industry.

Multifamily homes are on the rise according to a recent report from Pew Research Center. From 2007 to 2009, there was a 10.5% increase in multigenerational homes that translates to 51 million Americans, or 16.7% of the population, who lived in homes with at least two generations of adults. If your household is growing and you're looking for a larger space to accommodate your needs and family size, the housing market is in your favor.

Once again, millions of parents and kids are hitting stores for the annual Back-to-school shopping season, complete with long lines and even longer receipts. According to the National Retail Federation (NRF), the average person spent about $603 on everything from school supplies and apparel to electronics and footwear for Back-to-school last year.

As the mortgage landscape continues to improve, there are reasons to be cautiously optimistic for the remainder of this year. Although mortgage rates have slightly increased recently, they’re still close to historic lows. With the Federal Reserve aiming to keep those rates steady and with home values stabilizing in many areas of the country, mortgage professionals have many reasons to feel encouraged by the state of the homebuying market.

Buying a home is one of the most significant milestones in your life. A recent survey by TD Bank revealed 84% of young renters (ages 18-34) intend to buy a home in the future. While it is exciting, home buying can be overwhelming and complicated if you don’t have a general knowledge of the process, especially for first-time home buyers. Equipping yourself with the right tools will allow you to navigate the complexities of the home buying process. Here are five helpful steps to follow on your way to homeownership.

One of the advancements in women’s rights that we celebrate during Women’s History Month is the freedom to work in any field we choose, and the ability to pursue leadership roles within the companies we work.

Saving money is hard. In fact, saving money has proven so difficult to achieve that a June 2011 Bankrate.com poll revealed that only 24% of Americans have a six month emergency savings cushion for unexpected expenses such as vehicle repairs or medical bills. However, making a few small adjustments to your spending, beginning with creating a reasonable and modest budget, can help you put good saving habits into practice.

Without adequate financial literacy, individuals are at greater risk of taking on too much debt and accumulating too little savings.

It’s time for back-to-school shopping, and your child’s school supply list has morphed into a full-scale money-spending monster. Pencils, notebooks, binders, backpacks, clothes, shoes (the cool pair, of course) – the list seems endless – and expensive.

Motivating your kids to read during the summer can be a daunting task. After all, once school lets out, the last thing most kids want to think about is more books.

We’ve all seen the headlines and they all say the same thing: Free checking is gone. With the passing of new regulations on financial institutions, many banks throughout the nation are making changes to their products in order to recover revenue they’re losing as a result of those new rules.

Banks are responding to new regulations with product changes designed to help them recover lost revenue - and it can be very confusing to figure out just what those changes mean for your checking account.

Studies have shown that parents have the greatest influence on their children’s financial habits, and now, more than ever, mothers and fathers are taking the primary role in educating kids about healthy money management.

On April 22, millions of people in more than 170 countries will be planting trees, cleaning up neighborhoods and doing their part for the environment. Earth Day, as it's been widely known now for more than 40 years, will galvanize Americans to volunteer for one of the thousands of environmental events being planned by nonprofit organizations around the country.

According to the U.S. Environmental Protection Agency (EPA), people spend 90 percent of their lives indoors. A typical day can include traveling from home to work and back home again with a few periodic trips to schools, the grocery store, the bank, malls and entertainment venues. We depend on our homes, offices, retail stores and other structures to keep us safe; but can buildings also help keep us healthy?

The financial and emotional impact of the Great Recession has probably made many small business owners ask themselves, “Is owning a business even worth it anymore?”

The answer can be, “Absolutely!”

Whether recent economic upheavals have affected you or not, now is a good time to reflect on what happened to the economy and how you can keep it from happening to yours in the future. There are things you can do today to prepare for future uncertainties.

With the new year now upon us, this is the perfect time for Americans to commit to a New Year’s resolution to keep better track of their finances in 2011.

The end of summer vacation may be approaching, but there is still plenty of time for youth to read a few books to refresh their reading skills before starting school and even earn $10 from the TD Bank Summer Reading program http://www.tdbank.com/summerreading/.

A survey by TD Bank, America's Most Convenient Bank, reveals that middle market CFOs, buoyed by increasing optimism fueled by sales growth, are prepared to increase capital expenditures by dipping into their stockpile of cash reserves.