Amanda Smith is a freelance journalist and writer. She reports on culture, society, human interest and technology. Her stories hold a mirror to society, reflecting both its malaise and its beauty.

Winter has arrived, delivering snowstorms, icy rain and plummeting temperatures. That can make it more difficult to keep your utility bill at a manageable level, and if you have family staying with ...

Investing in a Roth IRA allows you to take tax-free withdrawals after age 59 1/2. A taxable brokerage account can supplement savings in retirement plans. Self-employed individuals can open a solo ...