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5bef943024171843809e4726ba1f2ef8 | https://www.investopedia.com/articles/personal-finance/022516/will-baby-boomers-bankrupt-social-security.asp | Will Baby Boomers Bankrupt Social Security? | Will Baby Boomers Bankrupt Social Security?
Baby boomers make up that huge demographic that came of age in the 1960s and 1970s. Born between 1946 and 1964, this vast cohort began to reach age 62 in 2008. By 2031, the youngest boomers will have passed the Social Security full retirement age of 67 (for people born in 1... |
767307362763ca5ce4dc8a4c89d93699 | https://www.investopedia.com/articles/personal-finance/022817/why-advisors-say-debt-isnt-always-bad-thing.asp | Why Advisors Say Debt Isn’t Always a Bad Thing | Why Advisors Say Debt Isn’t Always a Bad Thing
Many financial planning clients rank paying off debt as one of their highest financial priorities. After all, owing no money allows them to stretch their income much further and save more. But recent statistics indicate that a growing number of Americans are further away f... |
535f7128d3492091e862e53cafffe8c2 | https://www.investopedia.com/articles/personal-finance/030116/what-do-marrying-student-debt.asp | What to Do Before Marrying: Student Debt | What to Do Before Marrying: Student Debt
Student loan debt may be the biggest financial issue facing young adults today. Nearly 70% of recent college graduates have student debt, and as tuition and other costs continue to rise, having to borrow money to earn a degree is often unavoidable.
Although taking out student ... |
7a2ad1ee9df1fffc82d906811dd651ee | https://www.investopedia.com/articles/personal-finance/030216/5-countries-where-its-easy-gain-citizenship-retire.asp | 5 Countries With Easy Citizenship for Retirement | 5 Countries With Easy Citizenship for Retirement
For any number of reasons, many people consider retiring to another country. A foreign country may offer a lower cost of living, which can be important to retired adults with limited retirement savings. Some countries may have particularly appealing climates, or people m... |
3e7a47bd2ef9157c30de21bee2fed699 | https://www.investopedia.com/articles/personal-finance/030216/social-security-selfemployed-how-it-works.asp | How Social Security Works for the Self-Employed | How Social Security Works for the Self-Employed
When you work for someone else, that company or organization takes Social Security taxes out of your paycheck and sends the money to the Internal Revenue Service (IRS). But things work a little differently for people who are self-employed. If you fall into this category... |
77f61abb1bce4deddc07d46732cd9218 | https://www.investopedia.com/articles/personal-finance/030315/choosing-rent-or-buy-new-york-city.asp | Choosing to Rent or Buy in New York City | Choosing to Rent or Buy in New York City
So you finally got that big job in New York City—perhaps it feels like the pinnacle of your career. Now, how do you actually afford to live there?
In most cities, buying can have more financial rewards in the long run than renting. But the option that is right for you depends on... |
13aeb2b0c6223bbb3fe28c0434307dcf | https://www.investopedia.com/articles/personal-finance/030515/business-administration-vs-finance-degree.asp | Business Administration vs. Finance Degree: Comparing the Differences | Business Administration vs. Finance Degree: Comparing the Differences
Business Administration vs. Finance Degree: An Overview
A degree in business administration or finance can lead to opportunities in both large and small organizations in the public and private sectors. Both degrees also provide a solid foundation and... |
77ecada86ce0b739408bb4c06b20e887 | https://www.investopedia.com/articles/personal-finance/030613/why-4-rule-no-longer-works-retirees.asp | Why the 4% Rule No Longer Works for Retirees | Why the 4% Rule No Longer Works for Retirees
When it comes to retirement planning, the 4% rule has stood as a tried-and-true method of drawing retirement income from an investment portfolio without depleting the principal of the portfolio prematurely. This rule states that a retiree can usually withdraw about 4% of the... |
56d60487c3ba8b72696e876f48b7c07a | https://www.investopedia.com/articles/personal-finance/030816/immigrants-over-65-and-social-security-benefits.asp | Immigrants Over 65 and Social Security Benefits | Immigrants Over 65 and Social Security Benefits
In certain cases, individuals who immigrate to the United States when they're 65 or older may be entitled to draw Social Security benefits, just like any natural-born American citizen. In other cases, immigrants may only draw on their home country’s retirement programs. A... |
1150dee35871e5143b43b362ea1aaaac | https://www.investopedia.com/articles/personal-finance/031115/salary-vs-hourly-how-benefits-laws-differ.asp | Salary vs. Hourly Pay: What's the Difference? | Salary vs. Hourly Pay: What's the Difference?
Most jobs in the United States are governed by the Fair Labor Standards Act (FLSA) and are categorized as either exempt or nonexempt. If you are nonexempt, you are owed overtime wages, which are 50% greater than your regular pay rate, for any hours beyond 40 worked during a... |
9f8f411eaad9f94fd162da54c2e6fb96 | https://www.investopedia.com/articles/personal-finance/031215/why-saving-money-important.asp | Why Saving Money is Important | Why Saving Money is Important
If you don’t earn much and you can barely pay your bills, the idea of saving money might seem laughable. When you only have $5 left at the end of the month, why even bother to try saving? Because everyone has to start somewhere, and if you work at it, your financial situation is likely to ... |
f90ff211885db1b8891b9415d81a1daf | https://www.investopedia.com/articles/personal-finance/031716/social-security-benefits-children-how-they-work.asp | Social Security Benefits for Children: How They Work | Social Security Benefits for Children: How They Work
Social Security is usually associated with monthly payments to retirees. But there is another important facet to Social Security benefits—providing financial assistance to children. In 2017, for example, approximately 4.2 million children received $2.6 billion in aid... |
294efd64c0ee37ffd2c9643abd9c3fea | https://www.investopedia.com/articles/personal-finance/031915/should-i-go-grad-school-after-college.asp | Should I Go To Grad School After College? | Should I Go To Grad School After College?
If you're thinking about graduate school, you may be wondering when you should attend. Is it best to go straight from college or wait and gain work experience first? Both have their advantages and disadvantages. What you choose depends on your personal interests and your own ci... |
bb2be3e66295889778fb04801b72e2a2 | https://www.investopedia.com/articles/personal-finance/032014/six-ways-your-tax-preparer-knows-youre-lying.asp | Six Ways Your Tax Preparer Knows You're Lying | Six Ways Your Tax Preparer Knows You're Lying
Rising taxes, a slow economy and the costs of Obamacare have tempted some taxpayers to try to cut corners with Uncle Sam.
As a professional tax preparer for a major national service, one of my jobs is to recognize when a filer may be giving me fraudulent information. Althou... |
4f3b7add0b4b9e2eef2dd92d537b8dc6 | https://www.investopedia.com/articles/personal-finance/032015/strategies-increase-home-appraisal-value.asp | Strategies to Increase Home Appraisal Value | Strategies to Increase Home Appraisal Value
When you're selling or refinancing your home, it probably will be appraised to determine its current market value. The appraiser will look at factors such as square footage, materials, amenities, and condition, and evaluate these factors against comparable properties, or “com... |
39f2d8105071f86cd050a878d9afe05f | https://www.investopedia.com/articles/personal-finance/032015/when-right-time-buy-house.asp | When is the Right Time to Buy a House? | When is the Right Time to Buy a House?
When Is the Right Time to Buy a House?
When investing in a property, many potential homebuyers attempt to predict if home values are rising or falling while also paying attention to mortgage rates. These are important metrics to follow to determine if the time is right to buy a ho... |
8e95748c5f984ae727a9c606bb2e52ad | https://www.investopedia.com/articles/personal-finance/032116/how-select-and-build-benchmark-measure-portfolio-performance.asp | How to Select and Build a Benchmark to Measure Portfolio Performance | How to Select and Build a Benchmark to Measure Portfolio Performance
When investing, benchmarks are often used as a tool to assess the allocation, risk and return of a portfolio. Benchmarks are usually constructed using unmanaged indices, exchange-traded Funds (ETF) or mutual fund categories to represent each asset cla... |
30a92635baa1f58df104a5f49a18bba7 | https://www.investopedia.com/articles/personal-finance/032116/top-6-strategies-protect-your-income-taxes.asp | 6 Strategies to Protect Income From Taxes | 6 Strategies to Protect Income From Taxes
Income is taxed at the federal, state and local levels, and earned income is subject to additional levies to fund Social Security and Medicare, to name a few. Taxes are difficult to avoid, but there are many strategies to help ward them off. Here are six ways to protect your in... |
fa6680a808128f95ade8f11e50e56ead | https://www.investopedia.com/articles/personal-finance/032216/are-we-baby-boomer-retirement-crisis.asp | Are We in a Baby Boomer Retirement Crisis? | Are We in a Baby Boomer Retirement Crisis?
Baby Boomers—the generation born between 1946 and 1964—are heading into retirement in droves. Along with the aging of this iconic cohort comes a lot of data concerning their lack of preparation for their later years. Insufficient financial resources paint a gloomy picture for ... |
db41dd3a4c61754bce40009c57cfdbb3 | https://www.investopedia.com/articles/personal-finance/032415/importance-excel-business.asp | The Importance of Excel in Business | The Importance of Excel in Business
Microsoft (NASDAQ: MSFT) Excel was released in 1985 and has grown to become arguably the most important computer program in workplaces around the world. , you generally would use Excel. In business, literally, any function in any industry can benefit from those with strong Excel know... |
5c58d93ea17a6622d2115e69549db7c6 | https://www.investopedia.com/articles/personal-finance/032415/why-are-tesla-cars-so-expensive.asp | Why Are Tesla Cars So Expensive? | Why Are Tesla Cars So Expensive?
Tesla, Inc. (TSLA), the brainchild of entrepreneur Elon Musk, made waves by challenging the auto industry and producing its own all-electric car. Initially, Tesla's main competitors remained faithful to the internal combustion engine or introduced models that blended gasoline with batte... |
4cdf9c4e5654c0784e5be519ebe56fab | https://www.investopedia.com/articles/personal-finance/032416/cheapest-way-buy-two-or-more-airline-tickets.asp | The Cheapest Way to Buy Two or More Airline Tickets | The Cheapest Way to Buy Two or More Airline Tickets
If you're traveling on your own, no problem. Just book your tickets. All you have to do is compare prices on an airfare search site to find the cheapest flight available.
But what about when you're traveling with family and friends? Here's where it gets interesting. Y... |
9fb7b5bab6a24b05305a2be1f9d73c11 | https://www.investopedia.com/articles/personal-finance/032515/masters-degrees-us-vs-uk.asp | Comparing Master's Degrees in the U.S. vs. the U.K. | Comparing Master's Degrees in the U.S. vs. the U.K.
For prospective graduate students, comparing master's degree programs in the United States versus the United Kingdom requires thoughtful consideration of factors such as time, cost and effort. Regardless of which side of the Atlantic you are on, whether you should go ... |
db85dc806ec611c75feedeefc63a9b1f | https://www.investopedia.com/articles/personal-finance/032615/best-places-exchange-currency-las-vegas.asp | Best Places to Exchange Currency in Las Vegas | Best Places to Exchange Currency in Las Vegas
Visiting the United States and heading to Las Vegas? There’s plenty to do in one of the largest vacation spots in the country. But to take full advantage of all the things the city offers, you will need some cash—or at least some way to pay in the local currency—and that us... |
2b5245108983c62247b9f06e8b3c2ad6 | https://www.investopedia.com/articles/personal-finance/032615/how-youtube-ad-revenue-works.asp | How YouTube Ad Revenue Works | How YouTube Ad Revenue Works
Most internet browsers think of YouTube as a place to waste time watching silly clips or the latest music videos. To others, it is a place to upload and share videos from concerts, a newsworthy event, or even family events with friends online. A smaller group thinks of YouTube as a central ... |
63e006251b310045f8408ea961eef114 | https://www.investopedia.com/articles/personal-finance/032615/take-these-simple-steps-open-ira.asp | Simple Steps to Open an IRA | Simple Steps to Open an IRA
Getting started with an individual retirement account (IRA) can seem complicated, but it takes just a few simple steps. Years from now, you’ll thank yourself for taking the time to make the right investment decisions.
Key Takeaways You can set up an IRA at almost any bank, brokerage, or ot... |
02755fce8f7a7959ce4b3f2e73a6f482 | https://www.investopedia.com/articles/personal-finance/032616/managing-your-own-401k-pros-cons.asp | Managing Your Own 401(k): The Pros and Cons | Managing Your Own 401(k): The Pros and Cons
Participants in 401(k) plans might feel restricted by the narrow slate of mutual fund offerings available to them. And within individual funds, investors have zero control to choose the underlying stocks, which are selected by the mutual fund managers, who regularly underperf... |
e4181a667148a369bbbec0df9ac949bc | https://www.investopedia.com/articles/personal-finance/032814/pros-and-cons-using-airbnb.asp | Airbnb: Advantages and Disadvantages | Airbnb: Advantages and Disadvantages
Airbnb: An Overview
Airbnb is an online marketplace that connects people who want to rent out their homes with people who are looking for accommodations in that locale. It currently covers more than 100,000 cities and 220 countries worldwide. The company’s name comes from “air mattr... |
9eb5d8770cbc23eb99db765d109bdfaa | https://www.investopedia.com/articles/personal-finance/033015/5-secrets-you-didnt-know-about-traditional-iras.asp | 5 Secrets About Traditional IRAs | 5 Secrets About Traditional IRAs
An individual retirement account (IRA) is a perfect way to supplement a work-based retirement vehicle. Individual taxpayers can open either a traditional individual retirement account (IRA) or a Roth IRA. For 2020 and 2021, annual contributions to either type of account max out at $6,00... |
5b32f38a684d7d6e965f835cbbd6d088 | https://www.investopedia.com/articles/personal-finance/033015/hotels-vs-airbnb-paris-visitors.asp | Hotels Vs. Airbnb For Paris Visitors | Hotels Vs. Airbnb For Paris Visitors
There’s no denying that Paris has amazing hotels – more than 2,000 of them, and they cover all the bases: romantic, historic, stylish, luxurious, palatial. But a nice, well-located Paris hotel can be pricey. And location matters: If you’re not staying in the heart of the city, you c... |
0a95e8c4253f388f350365b839b9fdc3 | https://www.investopedia.com/articles/personal-finance/033015/top-us-housing-market-indicators.asp | Top U.S. Housing Market Indicators | Top U.S. Housing Market Indicators
Residential housing market activity contributes about five percent to the U.S. gross domestic product (GDP) each year, taking into account investment in the construction of single and multi-family housing together with the remodeling costs and other associated fees charges broker fees... |
6efe32fd5b601c3b29944deaa10ed6cf | https://www.investopedia.com/articles/personal-finance/033115/are-mortgages-available-mobile-homes.asp | Are Mortgages Available for Mobile Homes? | Are Mortgages Available for Mobile Homes?
Manufactured Homes
Manufactured homes account for 6% of all occupied housing, but a much smaller percentage of home loan originations, according to a report issued by the Consumer Financial Protection Bureau (CFPB). Many people still refer to this type of housing as a mobile ho... |
9a663fc0f080a8612674771e226f91b4 | https://www.investopedia.com/articles/personal-finance/033115/comparing-credit-karma-vs-experian.asp | Credit Karma vs. Experian: What's the Difference? | Credit Karma vs. Experian: What's the Difference?
Credit Karma vs. Experian: An Overview
If you’re checking your credit score or credit report, Credit Karma and Experian are two names you’ll likely come across. Experian is one of the big three credit reporting bureaus, along with Equifax and TransUnion. Credit Karma is... |
35392253a378d370ccaa411b1ab3488e | https://www.investopedia.com/articles/personal-finance/040115/how-umbrella-insurance-works.asp | How Umbrella Insurance Works | How Umbrella Insurance Works
Chances are slim that you will lose a lawsuit for a sum greater than what your existing insurance will pay—but if you ever did find yourself in that situation, you could lose all your savings. Umbrella insurance is designed to make sure you never find yourself living that nightmare. Below, ... |
41ce918a5fcd84033212105ae45a39c8 | https://www.investopedia.com/articles/personal-finance/040115/top-7-mistakes-avoid-your-529-plan.asp | Tips for Creating a 529 Plan | Tips for Creating a 529 Plan
Investing for your child’s education is one of the most important things you can do as a parent. A 529 plan is an easy way to accomplish that, while also enjoying some tax advantages. Originally intended for post-secondary education, 529 plans can now be used for K-12 education costs. And, ... |
e251c3facc8b26f9eae04750c00ee45f | https://www.investopedia.com/articles/personal-finance/040315/when-not-open-roth-ira.asp | When Not to Open a Roth IRA | When Not to Open a Roth IRA
In the family of financial planning products, the Roth individual retirement account (IRA) sometimes looks like the cool younger brother of traditional retirement accounts. Indeed, the Roth version, first introduced in 1997, offers a number of attractive features that its standard siblings l... |
b0e5e16d340227f83843cca8594118f4 | https://www.investopedia.com/articles/personal-finance/040414/future-tax-preparation-industry.asp | The Gloomy Future of the Tax Preparation Industry | The Gloomy Future of the Tax Preparation Industry
Undertakers and those in the funeral and burial business will always be able to rely on a steady stream of customers. And because taxes are, of course, the other inescapable element of life, income tax preparers have enjoyed a similar level of job security for the past ... |
463bc42bc85e5de9918113f928c33642 | https://www.investopedia.com/articles/personal-finance/040715/what-microlending-and-how-does-it-work.asp | What Is Microlending and How Does It Work? | What Is Microlending and How Does It Work?
Peer-To-Peer Financing
The peer-to-peer economy has revolutionized the way people do business, and the financial sector has seen some impressive advancements leveraging P2P applications. One of the most used applications is microlending or microcredit. Microloans are small loa... |
b159064b00769b5a72242e41cc5f058f | https://www.investopedia.com/articles/personal-finance/040815/converting-traditional-ira-savings-roth-ira.asp | Converting Traditional IRA Savings to a Roth IRA | Converting Traditional IRA Savings to a Roth IRA
A Roth IRA conversion lets you shift money from a traditional IRA into a Roth IRA. Doing so lets you take advantage of a Roth IRA's many benefits, including tax-free withdrawals in retirement and no required minimum distributions during your lifetime. But is a Roth IRA c... |
208d30d754d607d78565bd4ac17cd8d7 | https://www.investopedia.com/articles/personal-finance/040915/how-many-startups-fail-and-why.asp | How Many Startups Fail and Why? | How Many Startups Fail and Why?
Starting a business is a lot harder than most people think. Rarely is a business so in tune with its niche that it can float along with minimal effort. But why do so many businesses fail? For that matter, how many of them actually do fail? The reasons run deep, but here is what you shoul... |
e99049890b3f090fab1fdb42acfd61b7 | https://www.investopedia.com/articles/personal-finance/040915/how-whatsapp-makes-money.asp | How WhatsApp Makes Money | How WhatsApp Makes Money
WhatsApp was founded in 2009 by Brian Acton and Jan Koum as an alternative to pricey SMS services. The app allows users to upload their contact book and message anyone who has the app installed, at no cost. It is available for iPhones, Androids, and desktops.
Facebook Inc. (FB) purchased Wh... |
bf316079b6356cea0cc75ddec72714e9 | https://www.investopedia.com/articles/personal-finance/041015/spring-landscaping-ideas-pay.asp | Spring Landscaping Ideas That Pay Off | Spring Landscaping Ideas That Pay Off
The season for spring landscaping is here, and it’s time to look at what you can do to increase the appeal of your home’s exterior. It’s important to make calculated decisions about your landscaping so that you don’t spend too much, but still make improvements to your lawn. Landsca... |
aea444ec17471fb9cacda767d650cfac | https://www.investopedia.com/articles/personal-finance/041216/3-reasons-invest-multifamily-real-estate.asp | 3 Reasons to Invest in Multi-family Real Estate | 3 Reasons to Invest in Multi-family Real Estate
Real estate can be an alternative for those unable to withstand the volatility of the stock market. It is also a better investment for investors who wish to take an active role in growing their capital, rather than passively putting their money into a fund managed by some... |
2bf559735a1ca301382809dcf8b33c54 | https://www.investopedia.com/articles/personal-finance/041315/how-invest-liquor-deo-stz.asp | How to Invest in Liquor | How to Invest in Liquor
Sin stocks are publicly-traded companies that produce or generate a product or activity that may be considered immoral or unethical by some people's standards. This can include alcohol and beverage companies, and cigarette and tobacco companies. But the term sin stock doesn't just pertain to liq... |
1ea0ed9f94ccc117e97b0b36f2a5a2a9 | https://www.investopedia.com/articles/personal-finance/041315/tips-charitable-contributions-limits-and-taxes.asp | Charitable Contribution Deduction: Rules and Special Benefits for 2020 | Charitable Contribution Deduction: Rules and Special Benefits for 2020
Gifts to charity are one of the best tax-saving opportunities available. Not only does the charity itself benefit, but taxpayers enjoy tax savings by deducting part or all of their contributions on their tax returns. For 2020, special rules provide ... |
0e1d73022441d1181398c395d2f714db | https://www.investopedia.com/articles/personal-finance/041415/my-credit-score-useful-outside-us.asp | Is My Credit Score Useful Outside the U.S? | Is My Credit Score Useful Outside the U.S?
One phrase that you probably won’t need to learn if you are traveling is the credit score. That’s not because they don’t exist in other countries. In fact, the American credit bureau Equifax operates in 15 countries spread across Europe and Latin America.
For some globetrotter... |
100b38502ecea4ce43259c209c9abf44 | https://www.investopedia.com/articles/personal-finance/041515/10-tips-avoid-common-financial-scams.asp | 10 Tips To Avoid Common Financial Scams | 10 Tips To Avoid Common Financial Scams
Data breaches, identity theft, and online scams, oh my! Year after year, a destructive flood of fraud sweeps the nation, leaving countless victims in its wake. Unfortunately, new and improved technology only gives fraudsters an edge, making it easier than ever for scam artists to... |
f6143dd132cfd9d4b43def8076513b7b | https://www.investopedia.com/articles/personal-finance/041515/equity-vs-salary-what-you-need-know.asp | Equity vs. Salary in Tech: What's the Difference? | Equity vs. Salary in Tech: What's the Difference?
Equity vs. Salary: An Overview
Startups are known for being relatively cash-strapped, and they prefer to cut down on payments to employees considering their need to preserve cash and recycle whatever cash they generate into their business operations. They often offer eq... |
6f18abbca58b968c1109203ebed76681 | https://www.investopedia.com/articles/personal-finance/042215/stepbystep-how-fill-out-i9-form.asp | How to Fill Out an I-9 Form (Step-by-Step) | How to Fill Out an I-9 Form (Step-by-Step)
What Is an I-9 Form?
When you hire a new employee, you must verify that the person is legally eligible to work in the United States. Once you’ve made a job offer (but not before), the new employee must demonstrate eligibility to work in the U.S. by completing the I-9 Form, Emp... |
e3b68473f822a69e472ade89c181bd36 | https://www.investopedia.com/articles/personal-finance/042315/how-profit-solar-energy.asp | How to Profit From Solar Energy | How to Profit From Solar Energy
Solar energy has become a more viable option for consumers and businesses as technology has advanced and the cost has fallen. A report by the U.S. Department of Energy’s Lawrence Berkeley National Laboratory (LBNL) reports that the cost of utility-scale solar projects has fallen by 70% f... |
baf60ed02d52822d56c1ebbae4ed9bc7 | https://www.investopedia.com/articles/personal-finance/042315/wepay-vs-paypal-fees.asp | WePay vs. PayPal Fees: What's the Difference? | WePay vs. PayPal Fees: What's the Difference?
WePay vs. PayPal Fees: An Overview
PayPal and WePay are both online and mobile ways of making digital payments. PayPal was founded in 1998 as an alternative to traditional paper-based banking. The company's main focus is facilitating payments and enabling money transfers be... |
32e17e37a29a99782a2868b0660e6cbd | https://www.investopedia.com/articles/personal-finance/042514/home-appraisal-your-key-successful-refinance.asp | Home Appraisals: Your Key to a Successful Refinance | Home Appraisals: Your Key to a Successful Refinance
When you consider refinancing your mortgage, a lot will hinge on the appraisal. If your home’s value is so low that you’re underwater, you can’t refinance. If your appraisal value puts your home equity at less than 20%, you’ll get stuck paying for private mortgage ins... |
ff95fd63800ab90705549084ea7608aa | https://www.investopedia.com/articles/personal-finance/042815/can-my-retirement-social-security-be-garnished.asp | Can My Retirement Pay and Social Security Be Garnished? | Can My Retirement Pay and Social Security Be Garnished?
Can your Social Security and retirement pay be garnished? In a word: No. But in two words: Well, maybe. And in a phrase: Depends on who’s doing the garnishing.
First, They See You in Court
Here’s how garnishing works: A creditor—let’s call him Mr. Potter—hauls you... |
0f01bd6b7ec0b876b715cc39279f3a8c | https://www.investopedia.com/articles/personal-finance/042815/story-behind-apples-success.asp | How Did Apple Get So Big? | How Did Apple Get So Big?
On August 2, 2018, Apple made history by becoming the first publicly traded U.S. company to be valued at $1 trillion, as measured by market capitalization. In August of 2020, the company broke records again by becoming the first U.S. company to reach a $2 trillion market cap. Apple (AAPL) ... |
dbec05f0580564ec5850066241995277 | https://www.investopedia.com/articles/personal-finance/042914/top-pension-systems-world.asp | Best Countries for Pensions and Retirement | Best Countries for Pensions and Retirement
The quality of pension systems available to workers varies greatly across the globe. The Netherlands has the best system, while the U.S. isn't even close to the top, according to the Melbourne Mercer Global Pension Index 2019.
The index, published by the Monash Centre for Fi... |
1a2ef6e1b4b15b2a547703b23721266a | https://www.investopedia.com/articles/personal-finance/042914/when-grad-school-worth-it.asp | When Is Grad School Worth It? | When Is Grad School Worth It?
For some people, going to graduate school means the difference between being stuck in a rut and advancing their career. For others, a graduate degree may have minimal effect on their earnings and career trajectory. Attending school may still be worth it intellectually, but try not to decid... |
a399ff474b4e589a0f2af56622002ce7 | https://www.investopedia.com/articles/personal-finance/043015/top-financial-advisor-scams-and-how-avoid-them.asp | Top Financial Advisor Scams and How to Avoid Them | Top Financial Advisor Scams and How to Avoid Them
Bernie Madoff, the once highly regarded investment advisor turned Ponzi swindler, exemplifies the dark underbelly of the financial advisor field. At first, Madoff appeared to be the perfect financial professional for his clients. The rich and elite had no idea their ste... |
b60a4a94e3e6394e6b4212865f0de46c | https://www.investopedia.com/articles/personal-finance/043015/us-vs-china-military-budget.asp | U.S. vs. China Military Spending: Which Is Bigger? | U.S. vs. China Military Spending: Which Is Bigger?
U.S. Military vs. China Military: Which Spends More?
The United States and China are the world's biggest military spenders, but dollar for dollar the U.S. spends far more. It's not only spending more than China, but the U.S. spends almost as much on its military as the... |
9615a50860669830de4d50d6d5ec4ddb | https://www.investopedia.com/articles/personal-finance/050115/getting-mortgage-non-us-citizens.asp | Getting a Mortgage for Non-U.S. Citizens | Getting a Mortgage for Non-U.S. Citizens
For many foreign-born individuals living in the United States, owning a home is one of the cornerstones of the American dream. But there’s a perception among some non-U.S. citizens that there’s no way they can obtain a mortgage, thus creating a huge barrier to that goal. However... |
3a60cce84ce9789ed8276b766d74e696 | https://www.investopedia.com/articles/personal-finance/050115/mortgage-vs-student-loan-vs-saving.asp | You Should Pay off These Types of Debts First | You Should Pay off These Types of Debts First
There are few things as disheartening as finding yourself under a massive amount of debt. Unfortunately, that’s an experience many consumers have, whether it’s maxing out credit cards or financing a new home. So, if you have a few extra dollars in your bank account, you sho... |
d7f7c566eea67e86369afa2b902e729c | https://www.investopedia.com/articles/personal-finance/050214/credit-vs-debit-cards-which-better.asp | Credit Cards vs. Debit Cards: What's the Difference? | Credit Cards vs. Debit Cards: What's the Difference?
Credit Cards vs. Debit Cards: An Overview
Credit cards and debit cards typically look almost identical, with 16-digit card numbers, expiration dates, and personal identification number (PIN) codes. Both can make it easy and convenient to make purchases in stores or o... |
f633c00d3ed0853225c9a9f976d6e69e | https://www.investopedia.com/articles/personal-finance/050415/8-energyefficient-home-design-ideas-invest.asp | 8 Energy-Efficient Home Design Ideas for Your Home | 8 Energy-Efficient Home Design Ideas for Your Home
Being energy-efficient simply means using less energy to do the same things you normally do like heating and cooling, turning on the lights, or cooking and refrigerating your food. But why is this so important? Conserving energy helps you reduce the amount of energy wa... |
b5efc13973e0e1901eefe9087ca657f6 | https://www.investopedia.com/articles/personal-finance/050415/best-websites-find-job-tourism.asp | Best Websites for Tourism Jobs | Best Websites for Tourism Jobs
The tourism industry has experienced sustained growth over the past six decades and has become one of the largest and fastest growing economic sectors in the world.
If you work in the tourism industry, you help support the billions of people who travel at home and abroad each year for bus... |
38906d0feb82dda5533c511838ee4134 | https://www.investopedia.com/articles/personal-finance/050515/financial-considerations-buying-tiny-house.asp | Financial Considerations of Buying a Tiny House | Financial Considerations of Buying a Tiny House
Did an episode of the TV show “Tiny House Nation” get you thinking about massively downsizing your living space? Or maybe you haven’t yet bought a house and want to opt-out of the typical 2,000-plus square foot home in the suburbs and all the ongoing work and expenses tha... |
7ef222bb201edba22256a877d9656890 | https://www.investopedia.com/articles/personal-finance/050515/how-calculate-beta-private-company.asp | How to Calculate the Beta of a Private Company | How to Calculate the Beta of a Private Company
Beta as an Indicator
A company’s beta is a measure of the volatility, or systematic risk, of a security, as it compares to the broader market. The beta of a company measures how the company’s equity market value changes with changes in the overall market. It is used in the... |
3eccb561b5c7217541a7023de19742a0 | https://www.investopedia.com/articles/personal-finance/050515/how-swift-system-works.asp | How the SWIFT System Works | How the SWIFT System Works
SWIFT for Electronic Funds Transfers
Need to transfer money overseas? Today, it is easy to walk into a bank and transfer money anywhere around the globe, but how does this happen? Behind most international money and security transfers is the Society for Worldwide Interbank Financial Telecommu... |
3276876be8c7bddf00770b41972a238d | https://www.investopedia.com/articles/personal-finance/050815/swimming-pools-costs-vs-longterm-value.asp | Swimming Pools: Costs vs. Long-Term Value | Swimming Pools: Costs vs. Long-Term Value
There are many changes you can make to your home to increase its value. You may consider new landscaping or even sprucing up the inside of your home with some fancy, high-end upgrades. And then there's the much-coveted swimming pool. This can be a great investment if it's the r... |
8d8afb0c11450752eb7d6198e4f51bac | https://www.investopedia.com/articles/personal-finance/050815/what-do-financial-advisers-do.asp | What Do Financial Advisors Do? | What Do Financial Advisors Do?
You may wonder what a financial advisor does. In general, these professionals help you make decisions about what you should do with your money, which may include investments or other courses of action.
Key Takeaways A financial advisor is often responsible for more than just executing tr... |
12d2becbea468a30ed350b8d1c06c05a | https://www.investopedia.com/articles/personal-finance/051415/5-countries-lowest-interest-rates.asp | The 5 Countries With the Lowest Interest Rates | The 5 Countries With the Lowest Interest Rates
Interest rates change over time depending on market conditions and are a popular monetary tool in helping to stimulate the environment in times of economic difficulty or to contract the money supply in times of high inflation.
The world is currently going through a global ... |
19a6085cab8264d2a4bc554330924595 | https://www.investopedia.com/articles/personal-finance/051415/indias-twochild-policy.asp | Child Policy in India | Child Policy in India
China is well known for having instituted a one-child policy back in 1979. While the policy was effective in stemming population growth, critics argue that the side effects have created many societal problems in China today.
Despite the problems associated with China’s one-child policy, some polit... |
23951e958267f4d5e92cecbd053b56c7 | https://www.investopedia.com/articles/personal-finance/051415/your-retirement-plan-track.asp | Is Your Retirement Plan on Track? | Is Your Retirement Plan on Track?
Americans may be optimistic people by nature, but when it comes to retirement, many of us have our doubts.
In the most recent Retirement Confidence Survey from the Employee Benefit Research Institute, only 27% of respondents said they were very confident of having enough money for a co... |
aacab104969e659972aab4d7878c655b | https://www.investopedia.com/articles/personal-finance/051613/how-start-saving-retirement.asp | Starting a Retirement Fund: How to Start Saving | Starting a Retirement Fund: How to Start Saving
Unless you are independently wealthy, setting aside money today to see that you have enough for the years down the road by starting a retirement fund is not an option—it’s mandatory.
Unfortunately, inertia can be a powerful force, and going from not saving to saving can b... |
0c5bcbf40ed557408c8091aee79c8791 | https://www.investopedia.com/articles/personal-finance/051614/five-things-know-about-quitclaim-deeds.asp | Top 5 Facts About Quitclaim Deeds | Top 5 Facts About Quitclaim Deeds
Real property was once transferred through a ceremonial act known as “livery of seisin" in which the person transferring the land passed a twig or clod of turf from the land to the person taking delivery of the land.
A verbal and/or written contract may have accompanied the gesture, bu... |
6943b4aaf759a4b4285b8cc61617f636 | https://www.investopedia.com/articles/personal-finance/051815/top-11-companies-owned-facebook.asp | 5 Companies Owned By Facebook | 5 Companies Owned By Facebook
Facebook Inc. (FB), the world's largest social networking website, was founded by CEO Mark Zuckerberg and several Harvard College roommates in 2004. The company's name initially was FaceMash, which was changed to TheFacebook, eventually dropping "The" from its name to become, simply, Faceb... |
2c4411ca3bf8f1d0e47b269b0b56b725 | https://www.investopedia.com/articles/personal-finance/051914/mortgage-amortization-strategies.asp | Mortgage Amortization Strategies | Mortgage Amortization Strategies
For many people, buying a home is the largest single financial investment they will ever make. Because of the hefty price tag, most people usually need a mortgage. A mortgage is a type of amortized loan in which the debt is repaid in regular installments over a period. The amortization ... |
2120b17ebd1d6839e9406248e2d95596 | https://www.investopedia.com/articles/personal-finance/051915/10-us-cities-you-dont-need-car-visit.asp | 10 U.S. Cities You Don't Need A Car To Visit | 10 U.S. Cities You Don't Need A Car To Visit
Ask almost anyone returning from a tour of the great cities of Europe what they loved most about their trip, and you’ll hear, “We walked everywhere!” Often followed by the lament, “Why can’t our cities be like that?”
While it’s true that the majority of American cities don’t... |
5fcc540e085a1c31dbf910b502c04810 | https://www.investopedia.com/articles/personal-finance/051915/what-are-tax-advantages-when-buying-home.asp | Top Tax Advantages of Buying a Home | Top Tax Advantages of Buying a Home
Thinking of buying a home? There are plenty of perks if you do buy one. You can decorate it to suit your taste; you can put in a professional home theater system or perfectly customize the walk-in closet to hold everything you have in just the way you want it. But there are other ben... |
60a5c54cea7b7c267e13f7ef16086055 | https://www.investopedia.com/articles/personal-finance/052014/garage-sale-vs-donation.asp | Garage Sale vs. Donation | Garage Sale vs. Donation
As you clean out your attic and closets, you might find yourself neck-deep in bell-bottom jeans, polyester leisure suits, dusty garden gnomes and heaps of old toys—not to mention that collection of velvet dolphin paintings you inherited from your grandmother. You know you want to get rid of it ... |
89dc4cae44a83c66e76150961a84b86e | https://www.investopedia.com/articles/personal-finance/052014/whats-best-time-get-longterm-care-insurance.asp | The Best Time to Get Long-Term Care Insurance | The Best Time to Get Long-Term Care Insurance
Too often, those who seek long-term care only think about the cost of such services once they need them. That usually results in serious sticker shock. According to Genworth Financial, Inc. (GNW), which sells long-term care insurance, the average cost of a semi-private room... |
db3e7071bac5ed308630c709d01279eb | https://www.investopedia.com/articles/personal-finance/052714/annuitization-your-best-strategy.asp | Is Annuitization Your Best Strategy? | Is Annuitization Your Best Strategy?
If you're about to retire and own an annuity, you might be considering whether to convert your investment into a series of periodic payments. The process is called annuitization, and depending on which payment option you select, it is possible to receive payments up until you die—ev... |
7168f639f0ea6a6aea8eccdff5895140 | https://www.investopedia.com/articles/personal-finance/052815/how-fly-first-class-cheap.asp | How to Fly First Class for Cheap | How to Fly First Class for Cheap
How Do You Fly First Class for Cheap?
As airlines continue to nibble away at the amenities, the comfort space, and the all-round ambiance of the coach cabin, flying first-class for cheap has become the dream for many travelers. Below, we'll look at some tips for scoring seats in the fro... |
d39bbbec469805a2439fe409ac1a67bb | https://www.investopedia.com/articles/personal-finance/052815/professional-home-staging-worth-cost.asp | Is Professional Home Staging Worth The Cost? | Is Professional Home Staging Worth The Cost?
Home staging has become a "must do" for sellers. Some 77% of buyer's agents said home staging makes it easier for prospective buyers to visualize the property as a future home. Staged homes sell faster and for more money than those that are unstaged, according to industry an... |
cbe0e76dd8b976a12aa733bb1312a7ca | https://www.investopedia.com/articles/personal-finance/053116/top-10-checking-accounts-us-expats-living-abroad-cof-schw.asp | Top 10 Checking Accounts for U.S. Expats Living Abroad | Top 10 Checking Accounts for U.S. Expats Living Abroad
For U.S. citizens living abroad, referred to as expatriates or expats, maintaining checking and other bank accounts in the United States provides several advantages. These include the convenience of paying bills or making payments in the country and the ease of dir... |
d06f34d1c46f2e14c9e22bad4ce6f1bd | https://www.investopedia.com/articles/personal-finance/060215/most-expensive-states-retire.asp | The Most Expensive States to Retire In | The Most Expensive States to Retire In
More than half of all Americans – 58% – feel like they are not on track for retirement, according to a study from the National Institute on Retirement Security. A recent survey from the U.S. Government Accountability Office shows that 29% of Americans over age 55 have no retiremen... |
03dabb19bf6e16eef5ad275359f2e47d | https://www.investopedia.com/articles/personal-finance/060415/importance-millennial-consumers.asp | The Importance of Millennial Consumers | The Importance of Millennial Consumers
Millennials are the next baby boomers: a group of people so economically valuable that advertisers drop their existing methods to cater to them. Today, millennials only account for 25% of the total population but have already surpassed the baby boomers (those born between 1946 and... |
d5cc8d55f276dbeacf1f3c6579957c26 | https://www.investopedia.com/articles/personal-finance/060514/4-big-reasons-your-expenses-could-rise-retirement.asp | 4 Big Reasons Your Expenses Could Rise in Retirement | 4 Big Reasons Your Expenses Could Rise in Retirement
Many of us assume our spending will decline in retirement, but this isn't always the case. There are four prime reasons why your expenses could actually rise. The good news is that there are ways to save money on each.
One common rule suggests people plan on needing ... |
3ab69ae2b90b8bfcfd84f01f9a0f2f13 | https://www.investopedia.com/articles/personal-finance/060515/when-do-i-stop-paying-social-security-tax.asp | When Do I Stop Paying Social Security Tax? | When Do I Stop Paying Social Security Tax?
Of all the taxes that come out of your paycheck, none may be as inescapable as those that go to Social Security. Whether you're salaried or self-employed, you must generally contribute throughout your entire working life. There are, however, a few exceptions, which we'll cover... |
241a8305024aea1e151d89a637efbad2 | https://www.investopedia.com/articles/personal-finance/060915/how-are-dividends-iras-taxed.asp | How Are Dividends on IRAs Taxed? | How Are Dividends on IRAs Taxed?
Growing Funds Faster
Dividend-earning stocks and mutual funds can help your retirement portfolio grow more quickly, so long as you reinvest the dividends. But they can be a tax trap when you want to take the money out, especially if you invested your money in a traditional IRA.
Key Take... |
318a08d56fedb24936620dcb53128c9a | https://www.investopedia.com/articles/personal-finance/061015/how-elon-musk-became-elon-musk.asp | How Elon Musk Became Elon Musk: A Brief Biography | How Elon Musk Became Elon Musk: A Brief Biography
Visionary entrepreneur Elon Musk is the co-founder of PayPal (PYPL) and Tesla Motors (TSLA) as well as the founder of SpaceX. His astounding success has given rise to comparisons of Musk and Steve Jobs, Howard Hughes, Henry Ford, and Bill Gates. Amid an often difficul... |
a3a48eb677e20e355aed98fc10e02ecc | https://www.investopedia.com/articles/personal-finance/061214/disability-insurance-business-owners.asp | Disability Insurance For Business Owners | Disability Insurance For Business Owners
There are plenty of good reasons to have individual disability insurance to replace your income should you become injured.
But if you own a business, it's not just about you. As a business owner, you’re probably the primary driving force of your business, as well as the bankroll... |
a78e1cedb80a0a4bcb5db8281f64d7ac | https://www.investopedia.com/articles/personal-finance/061314/dont-sign-legal-pitfalls-signatures.asp | Major Legal Pitfalls of Signatures | Major Legal Pitfalls of Signatures
Signing your name on a document or check seems a pretty straightforward process. So does endorsing a check for a spouse or child who's out of town. But in fact, all of these actions can have unpleasant legal ramifications depending on how you do them.
Key Takeaways Using the wrong co... |
697b20f512ff090bb02b973a9ea2ed6b | https://www.investopedia.com/articles/personal-finance/061314/rise-401k-brokerage-accounts.asp | The Rise of 401(k) Brokerage Accounts | The Rise of 401(k) Brokerage Accounts
For many years the investment options offered in company-sponsored 401(k) plans were limited to mutual funds and annuity contracts, along with one or more guaranteed accounts and, perhaps, the company’s stock. However, some plans now allow participants to buy and sell securities in... |
46eabe79d51d93d3749d17370d970c4d | https://www.investopedia.com/articles/personal-finance/061416/assure-insurance-should-you-buy-unemployment-benefits.asp | Should You Buy Private Unemployment Insurance? | Should You Buy Private Unemployment Insurance?
You walk into your office on a Monday morning, get settled in with a fresh cup of Joe and in comes your supervisor with a pink slip. What an unpleasant surprise, especially considering you’ve spent several years with your employer and your last evaluation was excellent.
To... |
a5034061d4f15f59dd15956479e86824 | https://www.investopedia.com/articles/personal-finance/061515/quick-guide-landlord-insurance.asp | A Quick Guide to Landlord Insurance | A Quick Guide to Landlord Insurance
Landlords renting out a residential property (house, vacation cottage, apartment) for the first time may assume that their homeowners insurance will cover all the costs in the case of a natural disaster, accident or other damaging events. That’s a rookie mistake.
Key Takeaways Homeo... |
ffd4763830cafd30e19d80ec386c236c | https://www.investopedia.com/articles/personal-finance/061615/how-fill-out-fmla-forms.asp | Completing Family and Medical Leave Forms | Completing Family and Medical Leave Forms
If you are taking a protected leave of absence from work under the Family and Medical Leave Act (FMLA), you may need to fill out FMLA forms to satisfy your employer’s requirements. The act was signed into law by President Clinton in February 1993. It requires that certain emplo... |
9987ec2d348ad6694e2fa00897065cd5 | https://www.investopedia.com/articles/personal-finance/061615/how-obamacare-affected-insurance-industry.asp | Insurance in the Age of Obamacare (AET, CI) | Insurance in the Age of Obamacare (AET, CI)
The Affordable Care Act, or Obamacare as it is commonly known, has remained more or less intact since it was signed into law on March 23, 2010. Despite more than 50 attempts to repeal the law and significant attempts to weaken it, it’s still standing. And despite all the ... |
a4bb3f1511788ab702a33624283b6d90 | https://www.investopedia.com/articles/personal-finance/061616/529-strateges-maximize-student-aid-options.asp | 529 Strategies That Maximize Student Aid Options | 529 Strategies That Maximize Student Aid Options
Having a 529 plan strategy that maximizes your student aid options is ever more crucial. If you’re the parent of a future college student, you have to save now, but tucking money away in a savings account isn’t going to work. You have to invest it to stay ahead of inflat... |
d5ddd1466ac2cfe7240a4106d1b9f4a3 | https://www.investopedia.com/articles/personal-finance/061715/private-jet-charter-vs-first-class-whats-best.asp | Private Jet Charter vs. First Class: Comparing the Differences | Private Jet Charter vs. First Class: Comparing the Differences
Private Jet vs. First Class: An Overview
Some people may give you flack for asking the question, but if you've got disposable dollars to spend on air travel, it's worth considering. Whether it's a business trip or a vacation, a chartered jet allows you to m... |
fa257152d1f234984cfbaa9630808da5 | https://www.investopedia.com/articles/personal-finance/061814/5-ways-get-maximum-student-financial-aid.asp | 5 Ways to Get Maximum Student Financial Aid | 5 Ways to Get Maximum Student Financial Aid
As the price of a college education continues to soar, many American families are counting on significant outside help to foot the bill. Consider that the average cost for tuition and fees at an out-of-state public university is now nearly $24,000 per year, according to The C... |
f953f550a64307bc622f3d413502d62c | https://www.investopedia.com/articles/personal-finance/061914/downsides-downsizing-retirement.asp | 4 Mistakes People Make When Downsizing in Retirement | 4 Mistakes People Make When Downsizing in Retirement
Many people fantasize about financing a good chunk of their retirement by selling their current home, buying a smaller place, and investing the difference for income. In reality, however, they often reap far less profit than they might have hoped.
Done right, downsiz... |
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