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dda544e4500d5add998a6045236da4cc | https://www.investopedia.com/articles/personal-finance/061915/story-behind-teslas-success.asp | The Story Behind Tesla's Success (TSLA) | The Story Behind Tesla's Success (TSLA)
The U.S. electric car market includes the established automakers such as Ford (F) and Chevrolet (GM). But one company stands out from the car maker mix, and that is Tesla Motors (TSLA). Tesla entered the media spotlight in 2013 along with its CEO Elon Musk when it unleashed its f... |
8d66ef553c1f5926c740fd7c7172a5b2 | https://www.investopedia.com/articles/personal-finance/062015/why-it-easier-find-job-while-employed.asp | Why Is It Easier to Find a Job While Employed? | Why Is It Easier to Find a Job While Employed?
There's an old piece of conventional wisdom that says it's easier to get a new job if you already have one. Unfortunately, it's true.
"Employers tend to prefer to hire people who are already employed," says Alison Green, author of How to Get a Job: Secrets of a Hiring Mana... |
600fb07b4f466cd5ac05f6b80ca769f0 | https://www.investopedia.com/articles/personal-finance/062315/how-smartphones-are-changing-advertising-marketing.asp | Smartphones Are Changing Advertising & Marketing | Smartphones Are Changing Advertising & Marketing
The advertising and marketing industry has been going through some rapid changes over the last 20 years. The rise of the Internet era has led to a divergence of consumer attention away from traditional forms of media towards more digital forms. While being connected to t... |
85d116129df309cfb50bf26464a675bc | https://www.investopedia.com/articles/personal-finance/062315/unemployment-rates-country.asp | Unemployment Rates: The Highest and Lowest in the World | Unemployment Rates: The Highest and Lowest in the World
The highest and lowest unemployment rates in the world vary dramatically, even among the world's largest economies.
Unemployment in the U.S., the largest economy, was at 3.5% at the end of February in 2020—the lowest rate in half a century—but quickly rose to 14.7... |
438c78cb87464c3cbed3955f591b8e94 | https://www.investopedia.com/articles/personal-finance/062515/college-tuition-vs-investing-it-worth-it.asp | College Tuition vs. Investing: Is It Worth It? | College Tuition vs. Investing: Is It Worth It?
With the cost of college rising each year and questionable career prospects awaiting college graduates, some people are wondering if a college education is still worth it. If you took all of the money you would spend on a college degree and invested it, would you come out ... |
5e327492a4268d543fb3da6e686ca108 | https://www.investopedia.com/articles/personal-finance/062515/mlps-how-they-are-taxed.asp | The Tax Advantages of MLPs | The Tax Advantages of MLPs
An MLP is a master limited partnership, but the title isn’t as interesting as what it can accomplish from an investing standpoint.
MLPs are publicly traded partnerships that are listed on major exchanges such as the NYSE or Nasdaq. To qualify as MLP, it must earn 90% of its income from minera... |
38373e2aba19ffd3f6dfe1cb93fe5bdc | https://www.investopedia.com/articles/personal-finance/062615/it-worth-it-insure-my-wedding-ring.asp | Should You Insure Your Wedding Ring? | Should You Insure Your Wedding Ring?
Should you insure your wedding ring? It certainly doesn't sound as fun as planning the honeymoon. But when it comes to wedding jewelry—engagement rings and wedding bands—securing sufficient protection can prove as essential as any other wedding-related task.
The average sum spent on... |
e1965f1fd556c4ad3f5834108616e92f | https://www.investopedia.com/articles/personal-finance/062915/5-signs-you-need-postnup.asp | 5 Signs You Need a Postnup | 5 Signs You Need a Postnup
A postnuptial or "postnup" agreement is similar to a prenuptial agreement, but this legal contract is written and signed after the couple is legally wed.
A postnup contract outlines how assets will be divided. It also may contain numerous other provisions dictating marital conduct—from the di... |
47dc99a50a3a99d30d176fa3bdaec693 | https://www.investopedia.com/articles/personal-finance/062915/guide-kidnap-ransom-insurance-coverage.asp | A Guide to Kidnap and Ransom Insurance Coverage | A Guide to Kidnap and Ransom Insurance Coverage
Kidnapping for ransom incidents are chronic problems around the world because they can be an incredibly lucrative business for the perpetrators of these crimes. Kidnap and ransom (K&R) insurance is supposed to save people from having to give up their fortunes to protect t... |
d2364c3d360d1f5373adcd7bf9e88611 | https://www.investopedia.com/articles/personal-finance/062915/mlps-vs-limited-partnerships.asp | Master Limited Partnerships vs. Limited Partnerships | Master Limited Partnerships vs. Limited Partnerships
Generally, a partnership is a business that is owned by two or more individuals. In all forms of partnerships, each partner is required to contribute resources such as property, money, skill or labor in exchange for sharing in the profits and losses of the business.
... |
7403aa952383d8e830e9682adcf332e1 | https://www.investopedia.com/articles/personal-finance/063014/6-signs-youre-ready-retire-early.asp | 6 Signs You Are Ready to Retire Early | 6 Signs You Are Ready to Retire Early
Ready to Retire?
If you're considering retiring early, you'll forego not only the headaches of working but also the additional earnings that could have made your retirement even more comfortable. Make sure you're truly ready before you leave.
Key Takeaways Start debt-free, with a... |
a50d8f987c4787fc7d945aab57780c93 | https://www.investopedia.com/articles/personal-finance/063015/economics-private-jet-charters.asp | The Economics of Private Jet Charters | The Economics of Private Jet Charters
When you think about private jets, you probably fall into one of two categories: Either you don’t know how expensive it is to own and operate a jet or you do know and don’t understand how anybody, even the rich, could afford to own a private jet.
If you’re the former, here are some... |
2d252f6d12cf611c4454cbe7ad5383c3 | https://www.investopedia.com/articles/personal-finance/063015/routing-number-vs-account-number-how-they-differ.asp | Routing Number vs. Account Number: What's the Difference? | Routing Number vs. Account Number: What's the Difference?
Routing Number vs. Account Number: An Overview
Every bank-related financial transaction requires two key pieces of information to identify customers: the routing number and the account number, both of which are assigned when you open an account. Whether you need... |
87f2a3b4456edc3634b2b80e44cdadc7 | https://www.investopedia.com/articles/personal-finance/070215/how-buying-amazoncom-works.asp | How Buying on Amazon.com Works | How Buying on Amazon.com Works
Amazon.com Inc (AMZN) is an astonishing success story and the leader in online commerce. It started out selling books but quickly expanded into other products. As of 2020, it has a presence in nearly every consumer-oriented market, becoming a disruptive force in the retail space.
There ar... |
d209a6b3207ea47163d653935c93f8fe | https://www.investopedia.com/articles/personal-finance/070513/causes-and-costs-absenteeism.asp | The Causes and Costs of Absenteeism | The Causes and Costs of Absenteeism
There are a number of factors that can make or break a company. One of them is its workforce. Having a great workforce can spell the difference between success and failure. The happier and healthier employees are, the more likely it will be that the company will be successful. But th... |
24e1bd1f07d536109dd3db5da9770f8b | https://www.investopedia.com/articles/personal-finance/070715/home-depot-vs-lowes-home-improvement-battle.asp | Home Depot vs. Lowe's: What's the Difference? | Home Depot vs. Lowe's: What's the Difference?
Home Depot, Inc. (HD) and Lowe's Companies Inc. (LOW) have been the giants of the home improvement retailer industry in the U.S. for decades, each operating approximately 2,200 stores, each with more than 100,000 square feet of retail space. Both retailers go after the... |
8b0431f71bae8629c80de2027cfd6870 | https://www.investopedia.com/articles/personal-finance/070715/quick-guide-highnetworth-estate-planning.asp | A Quick Guide to High-Net-Worth Estate Planning | A Quick Guide to High-Net-Worth Estate Planning
Estate planning can be tough and very challenging, especially if you're a high-net-worth individual. Not only are the nuances of estate planning fairly complicated, but things in the industry are also constantly changing, which often makes it difficult to keep up.
From ta... |
c2c6da4065e35dc061762f1bfcaabfbe | https://www.investopedia.com/articles/personal-finance/070815/10-questions-ask-your-estate-planning-attorney.asp | Questions to Ask Your Estate-Planning Attorney | Questions to Ask Your Estate-Planning Attorney
Estate planning can be difficult to think about. Overall, it forces individuals to contemplate fiscal matters that will occur while they are living and after their own deaths. It's thus extremely important to make sure assets are managed prudently and that next generationa... |
fff225026bfaeaa06dd1f97a58e24730 | https://www.investopedia.com/articles/personal-finance/070815/using-your-529-savings-study-abroad.asp | Using Your 529 Savings to Study Abroad | Using Your 529 Savings to Study Abroad
As the cost of attending college increases both in the U.S. and across the globe, how to pay for it remains a big concern. Many students and their families who planned to use 529 plans to fund their education here are discovering this same plan can also be used to study abroad.
Un... |
d61f9a57f702454e856594d6c469d98c | https://www.investopedia.com/articles/personal-finance/071015/reits-vs-real-estate-crowdfunding-how-they-differ.asp | REITs vs. Real Estate Crowdfunding | REITs vs. Real Estate Crowdfunding
Most people will benefit from having some of their portfolios in real estate. But most investors aren't suited to own rental properties. This concept has opened a whole world of investments where someone else manages the properties, but individuals can invest in them and reap some of ... |
6e95cf9c65b2d00bacdded8bc8aa82bf | https://www.investopedia.com/articles/personal-finance/071114/should-you-pay-all-cash-your-next-home.asp | Should You Pay All Cash for Your Next Home? | Should You Pay All Cash for Your Next Home?
Should You Pay All Cash for Your Next Home?
"Cash is king," goes the old adage. However, does that philosophy ring true when buying a home?
Being ready to pay cash can not only give you an edge with motivated sellers eager to close the deal, but it can also help with sellers ... |
c6dc6869830ede9cfebdec067c8e0b81 | https://www.investopedia.com/articles/personal-finance/071415/how-cut-financial-advisor-expenses.asp | How to Cut Financial Advisor Expenses | How to Cut Financial Advisor Expenses
In an ideal relationship, your financial advisor should be happy with what you're paying. But what if you feel you're paying too much? Financial advisors don't want to charge so much that they drive away business, but they don't want to charge so little that their services don't ap... |
4931b2d26294f9b0e4525381e8f84c0a | https://www.investopedia.com/articles/personal-finance/072116/us-healthcare-costs-compared-other-countries.asp | How U.S. Healthcare Costs Compare to Other Countries | How U.S. Healthcare Costs Compare to Other Countries
How Do U.S. Healthcare Costs Compare to Other Countries?
The International Federation of Health Plans Comparative Price Report details healthcare products and services around the world. Its most recent survey, from 2015, looked at seven countries: the United States, ... |
d2d2ad7194b40b8222be46757927117b | https://www.investopedia.com/articles/personal-finance/072215/quick-guide-medicaid-and-nursing-home-rules.asp | Medicaid and Nursing Homes: A Quick Guide to the Rules | Medicaid and Nursing Homes: A Quick Guide to the Rules
Medicaid was created in 1965 as a social healthcare program to help people with low incomes receive medical attention. Many seniors rely on Medicaid to pay for long-term nursing home care.
“Most people pay out of their own pockets for long-term care until they be... |
0a680d1ba5bb84b4cde293cb0b4a9c91 | https://www.investopedia.com/articles/personal-finance/072316/how-installment-loans-work.asp | How Installment Loans Work | How Installment Loans Work
An "installment loan" is a broad, general term that refers to the overwhelming majority of both personal and commercial loans extended to borrowers. Installment loans include any loan that is repaid with regularly scheduled payments or installments.
If you are thinking about applying for an i... |
dcf49c0f98a84585ba253ef3baf6adff | https://www.investopedia.com/articles/personal-finance/072514/what-lenders-look-your-credit-report.asp | What Lenders Look at on Your Credit Report | What Lenders Look at on Your Credit Report
What do lenders consider when they look at your credit report? It's a simple question with a complicated answer, as there are no universal standards by which every lender judges potential borrowers.
Of course, there are some items that will decrease your odds of approval just ... |
ac6d6e0a84f3280649f9d750f4ac4ddc | https://www.investopedia.com/articles/personal-finance/072913/basics-lines-credit.asp | Lines of Credit: The Basics | Lines of Credit: The Basics
When individuals need money, seeking a line of credit is often the last thing that occurs to them. What comes to mind first is generally going to a bank for a traditional fixed- or variable-rate loan, using credit cards, borrowing from friends or family, or turning to specialized peer-to-pee... |
725289ed41f63c5bceb2bdcffe54412c | https://www.investopedia.com/articles/personal-finance/072915/how-express-scripts-makes-money.asp | How Express Scripts Makes Money | How Express Scripts Makes Money
When Congress passed the Affordable Health Care Act in 2010, patients, healthcare providers, and health insurance companies alike all worried about the changing landscape of prescription drug costs. A class of companies called pharmacy benefit managers, or PBMs, has flourished in the dif... |
872c1b25ab481d35bc093fe70058a543 | https://www.investopedia.com/articles/personal-finance/073015/free-credit-score-it-really-free.asp | Free Credit Score: Is It Really Free? | Free Credit Score: Is It Really Free?
In today’s banking environment, the decision to offer you a mortgage or grant you a credit card sometimes comes down to one simple thing: your credit score. Based on information in your credit report, this numerical rating provides an easy way to assess your risk of defaulting on a... |
3b1b5354332e54dc645c80cb11e12aa1 | https://www.investopedia.com/articles/personal-finance/073114/pros-and-mostly-cons-early-retirement.asp | Early Retirement: The Pros and (Mostly) Cons | Early Retirement: The Pros and (Mostly) Cons
Even though Americans' net worth still hasn't fully recovered from the Great Recession of 2007–2009, many of us continue to dream of retiring early. A 2019 survey by the reverse mortgage company American Advisors Group found that 52% of Americans plan to exit full-time emplo... |
c45ba99295ba3df9245d59259db2b1e3 | https://www.investopedia.com/articles/personal-finance/073115/5-reasons-convert-your-roth-traditional-ira.asp | Reasons to Convert a Roth IRA to a Traditional IRA | Reasons to Convert a Roth IRA to a Traditional IRA
One reason Roth IRAs are so popular is the tax benefits: Money in the account grows tax-free and qualified withdrawals in retirement are tax-free, as well. Still, there are times when it might make financial sense to convert your Roth IRA to a traditional IRA. Here... |
3ceb9290a5c6187e6b5fa9e8d00c6c86 | https://www.investopedia.com/articles/personal-finance/080114/10-banks-will-pay-you-cash-open-account.asp | 8 Bank Promotions That Pay You to Open an Account | 8 Bank Promotions That Pay You to Open an Account
Investopedia is committed to providing our readers with unbiased product recommendations. We may receive compensation when you click on links to products but this doesn't affect how we rate, review and rank them.
Like any industry working to pick itself up after the eco... |
d0bc35ac4bccf1c0a0ba2a13af3722e2 | https://www.investopedia.com/articles/personal-finance/080114/help-my-unemployment-benefits-are-running-out.asp | Help, My Unemployment Benefits Are Running Out | Help, My Unemployment Benefits Are Running Out
Unemployment compensation was designed to provide income to people who lose their jobs. The problem is that benefits run out rather quickly. Your claim lasts one year (your benefit year), but most states only pay benefits for 13 to 26 weeks (a little more than six months) ... |
06f51ade1dceb9ac578736f5aa4f00de | https://www.investopedia.com/articles/personal-finance/080315/how-higher-interest-rates-impact-your-401k.asp | How Higher Interest Rates Impact Your 401(k) | How Higher Interest Rates Impact Your 401(k)
Interest rates have a significant impact on both the economy at large and the stock and bond markets in particular. The Federal Reserve Bank sets interest rates based on its view of what is best for the economy and holds regular meetings to discuss— and announce—any potentia... |
f293ebdf6fb83ab292ad7bd3ba3c1c65 | https://www.investopedia.com/articles/personal-finance/080315/quick-guide-buying-home-your-child.asp | A Quick Guide to Helping Your Adult Child Buy a Home | A Quick Guide to Helping Your Adult Child Buy a Home
In today's market, young first-time homebuyers may find themselves tangled in a web of student debt, rising home prices, and stringent mortgage requirements. As a result, some assistance from parents has become more common. More than a quarter of homebuyers between t... |
0954284239e54f9696f9e908a49c2b3b | https://www.investopedia.com/articles/personal-finance/080315/top-reasons-not-roll-over-your-401k-ira.asp | Top Reasons Not to Roll Over Your 401(k) to an IRA | Top Reasons Not to Roll Over Your 401(k) to an IRA
Don't Roll Over Your 401(k) to an IRA Just Yet
You've left your job. What should you do with the 401(k) plan you've faithfully contributed to for years? Conventional wisdom says to roll it over into an individual retirement account (IRA), and in many cases, that is the... |
cbceb5ca5684fcec43c11cd40e0a8337 | https://www.investopedia.com/articles/personal-finance/080615/6-reasons-healthcare-so-expensive-us.asp | 6 Reasons Healthcare Is So Expensive in the U.S. | 6 Reasons Healthcare Is So Expensive in the U.S.
The pressure on our sprawling healthcare system in the U.S. has never been greater. There’s an urgent need to expand testing and treatment for COVID-19 to all residents who need it, regardless of health insurance status. Massive federal cash influxes have sought to shore... |
d22fb66033355e15c55c68339896aa74 | https://www.investopedia.com/articles/personal-finance/080615/highest-credit-score-it-possible-get-it.asp | Highest Credit Score: Is It Possible to Get It? | Highest Credit Score: Is It Possible to Get It?
Yeah, yeah, everybody’s a winner…we know. But seriously, what good is knowing your FICO score if you don’t understand what the number means on the overall reporting scale? Maybe you have a 740 FICO score. If the maximum score is 750, you’re pretty much a credit genius. If... |
131b43baba0e39f1585c284ba1e3f929 | https://www.investopedia.com/articles/personal-finance/080616/what-adverse-selection-insurance-industry.asp | What Is Adverse Selection in the Insurance Industry? | What Is Adverse Selection in the Insurance Industry?
One of the reasons that most state governments in the United States mandate that all drivers purchase automobile insurance is to avoid the problem of "adverse selection," or the process by which the most risky insurance customers force out the least risky. If prices ... |
6b1841bf63ec8794d976c2460c184f4e | https://www.investopedia.com/articles/personal-finance/080816/section-125-plan-cafeteria-plan-how-does-it-work.asp | About the Section 125 Plan (Cafeteria Plan) | About the Section 125 Plan (Cafeteria Plan)
Across the United States, numerous employees set up and use various types of employee benefits plans allowed by the Internal Revenue Service (IRS). One of these plans, called a section 125 cafeteria plan, has been in existence since 1978 and offers some interesting advantages... |
109018d8a432278d226621ffd1a5c2db | https://www.investopedia.com/articles/personal-finance/080916/how-victorias-secret-credit-card-works-benefits-and-rewards-lb.asp | How the Victoria's Secret Credit Card Works: Benefits and Rewards | How the Victoria's Secret Credit Card Works: Benefits and Rewards
Victoria's Secret, a subsidiary of L Brands Inc. (LB), has its own branded credit card named the Victoria card. Here is a discussion of the card's benefits, drawbacks, and the type of consumer for whom the credit card is best suited. Its chief competitor... |
ed5ba6fd491350bdf689f983f4c81f8c | https://www.investopedia.com/articles/personal-finance/081115/my-credit-score-good-enough-mortgage.asp | Is My Credit Score Good Enough for a Mortgage? | Is My Credit Score Good Enough for a Mortgage?
Your credit score, the number that lenders use to estimate the risk of extending you credit or lending you money, is a key factor in determining whether you will be approved for a mortgage. The score isn’t a fixed number but fluctuates periodically in response to changes i... |
31cb954d73c11b960cf6689211eb9666 | https://www.investopedia.com/articles/personal-finance/081116/insurance-excess-insurance-and-reinsurance-whats-difference-all.asp | Understanding Insurance vs. Excess Insurance vs. Reinsurance | Understanding Insurance vs. Excess Insurance vs. Reinsurance
Insurance, Excess Insurance, Reinsurance: An Overview
There are many types of insurance policies, and each has its own rules and requirements. A typical insurance policy is usually a primary insurance policy, which covers the financial cost of an insurance cl... |
8c8db9fe2da21aa5d2c54fc21cc7c661 | https://www.investopedia.com/articles/personal-finance/081214/filling-out-your-w4-form.asp | How to Fill Out Form W-4 in 2021 | How to Fill Out Form W-4 in 2021
What's the right way to fill out a W-4 Form? That's the tax form called a W-4 Employee's Withholding Certificate that your employer hands you when you start a new job. If tax forms fill you with dread—you don't understand them, you’re afraid of what will happen if you make a mistake—j... |
50f8cd840640c741bc2dc9267b9d8054 | https://www.investopedia.com/articles/personal-finance/081215/know-accounts-receivable-inventory-turnover.asp | Know Accounts Receivable and Inventory Turnover | Know Accounts Receivable and Inventory Turnover
Many ratios help analysts measure how efficiently a firm is paying its bills, collecting cash from customers, and turning inventory into sales. Two of the most important are accounts receivable and inventory turnover; two ratios in the current assets category.
Accounts Re... |
3d4838cc07886d7f5f5959ce270694e9 | https://www.investopedia.com/articles/personal-finance/081216/zero-interest-loans-why-you-should-beware.asp | Zero Interest Loans: Why You Should Beware | Zero Interest Loans: Why You Should Beware
Companies that offer zero-interest loans tout these vehicles as no-lose opportunities for borrowers. A major purchase that might otherwise require a lump-sum payment can be spread out over 12 months to several years, with 0% interest, thereby creating a more palatable cash flo... |
5677373c18c869e29a28553c15ba65c2 | https://www.investopedia.com/articles/personal-finance/081315/3-reasons-your-401k-not-enough-retirement.asp | 3 Reasons Your 401(k) Is Not Enough for Retirement | 3 Reasons Your 401(k) Is Not Enough for Retirement
A 401(k) plan has many benefits for employees who are saving for retirement. It allows them to make salary-reduction contributions on a pretax basis (and also on a post-tax basis in some cases).
Employers that offer a 401(k) can make non-elective or matching contribu... |
217d5a56bb5635c4ecda7850ad718d1c | https://www.investopedia.com/articles/personal-finance/081316/should-you-really-pay-erase-your-name-internet.asp | Can You Erase Your Mug Shot from the Internet? | Can You Erase Your Mug Shot from the Internet?
If you have been arrested, no matter what for, one of the first things that happens during the booking process is the mug shot. States have different laws governing the public availability of criminal records, but many make mug shots publicly available almost instantly, an... |
6b6d2a2495c0a00ad62a1249317e6b5b | https://www.investopedia.com/articles/personal-finance/081514/how-inflation-affects-your-cost-living.asp | How Inflation Affects Your Cost of Living | How Inflation Affects Your Cost of Living
Inflation has not been talked about much lately, and for good reason. In late 2019, the overall annual rate of inflation was running at about 1.8%. The U.S. Department of Agriculture reported that retail food prices were 1.8% higher in February 2020 than they had been the yea... |
0013e2aa4bbb6bd21810a691ae7aa0f4 | https://www.investopedia.com/articles/personal-finance/081615/purpose-irs-form-1065.asp | The Purpose of IRS Form 1065 | The Purpose of IRS Form 1065
Partnerships do not pay taxes on their profits, their partners do. Partnerships are pass-through entities that report their income, deductions, credits and other items to partners so that partners can then enter their share of this information on their personal tax returns.
The partnershi... |
4696bae8e7b71ea26dbe9f1125f27566 | https://www.investopedia.com/articles/personal-finance/081715/purpose-irs-form-941.asp | Form 941: Employer's Quarterly Federal Tax Return Definition | Form 941: Employer's Quarterly Federal Tax Return Definition
What Is IRS Form 941: Employer's Quarterly Federal Tax Return?
In general, an employer must electronically transfer to the Internal Revenue Service (IRS) withheld employment taxes on a monthly or semiweekly basis. This includes withheld federal income tax, an... |
c3eb29be6018d5f17849aff996ca107d | https://www.investopedia.com/articles/personal-finance/081715/sending-money-moneygram-vs-western-union.asp | MoneyGram vs. Western Union: What's the Difference? | MoneyGram vs. Western Union: What's the Difference?
MoneyGram vs. Western Union: An Overview
In this world of ubiquitous ATMs, tap-to-pay checkout, and automated bank deposits, there are still times when it is necessary to hand over or collect actual cash. That is why money-transfer services like MoneyGram and Western ... |
435e9015996dfedc83492a7b2fa2b82b | https://www.investopedia.com/articles/personal-finance/081715/yes-you-can-manage-your-own-retirement.asp | Yes, You Can Manage Your Own Retirement! | Yes, You Can Manage Your Own Retirement!
Many financial professionals will, for a fee, help you navigate your way to and through retirement. But using a financial advisor isn't mandatory. If you can't afford, don't trust, or otherwise would prefer not to use an advisor, managing your own retirement is always an option.... |
2bb7bd226cb985f7b6e58ae8f362c39f | https://www.investopedia.com/articles/personal-finance/081816/how-kohls-credit-card-works-benefits-and-rewards-kss.asp | How Does the Kohl's Credit Card Work: Benefits and Rewards | How Does the Kohl's Credit Card Work: Benefits and Rewards
Kohl’s Department Stores, a subsidiary of Kohl’s Corp. (NYSE: KSS), is the second-largest retail chain in terms of sales, behind Macy’s Inc. (NYSE: M). Kohl's is known largely as a family-friendly store that offers quality clothing products at a low cost. It ha... |
84d34e636bebb502ac8c62e193426f43 | https://www.investopedia.com/articles/personal-finance/081816/how-lane-bryant-credit-card-works-benefits-rewards-ansa.asp | How the Lane Bryant Credit Card Works: Benefits and Rewards | How the Lane Bryant Credit Card Works: Benefits and Rewards
How the Lane Bryant Card Works
Like many retailers, women's plus-size retail chain Lane Bryant offers a retail reward credit card to its customers. The card is actually offered by Comenity, a financial services company that provides credit card services to hun... |
42e185f66cf6545ea0c69c45837dd714 | https://www.investopedia.com/articles/personal-finance/081816/selfdirected-ira-rules-and-regulations.asp | Self-Directed IRA: Rules and Regulations | Self-Directed IRA: Rules and Regulations
Saving for retirement in a tax-efficient manner is an important goal of any retirement planning strategy. In the U.S., individual retirement accounts (IRAs) are an established tool for pursuing this goal. These arrangements may be structured as traditional plans, where the accou... |
f28cf214cb382bb36c7c294d60ff5720 | https://www.investopedia.com/articles/personal-finance/082015/10-must-watch-movies-finance-professionals.asp | The 10 Must-Watch Movies for Finance Professionals | The 10 Must-Watch Movies for Finance Professionals
The financial world, in all its incarnations, makes for great cinema. Tragedy, comedy, ingenuity, catastrophe, and redemption are all present in the many finance films that Hollywood has produced over the years. While most of the movies portray financial professionals ... |
cdd579a646938f6a894ed5f2fb0686c8 | https://www.investopedia.com/articles/personal-finance/082114/best-places-exchange-currency.asp | Best Places to Exchange Currency and Save on Fees | Best Places to Exchange Currency and Save on Fees
There's nothing like coming home from a great trip abroad thinking that you were savvy about sticking to your budget only to be hit with unexpected currency-exchange fees on your bank statement and credit card bill.
For that reason, travelers should look to trade conver... |
a61a45ebcc6acd8bf324d113f9f56c2d | https://www.investopedia.com/articles/personal-finance/082114/how-cash-value-builds-life-insurance-policy.asp | How Cash Value Builds in a Life Insurance Policy | How Cash Value Builds in a Life Insurance Policy
Cash-value life insurance, also known as permanent life insurance, includes a death benefit in addition to cash value accumulation. While variable life, whole life, and universal life insurance all have built-in cash value, term life does not.
Once you've begun accumulat... |
42a28f6bd674d1eef9942461776e46b0 | https://www.investopedia.com/articles/personal-finance/082115/10-tips-managing-your-student-loan-debt.asp | 10 Tips for Managing Your Student Loan Debt | 10 Tips for Managing Your Student Loan Debt
Does the debt from your college days seem overwhelming? You're not alone: According to the Federal Reserve, student loans total more than $1.3 trillion in the U.S. That's second only to the size of the nation's mortgage debt.
Ironically, the burden of student loans is making ... |
c2c0fe9b5ffb06c2b132488feb7af98d | https://www.investopedia.com/articles/personal-finance/082115/simple-interest-loans-do-they-exist.asp | Simple Interest Loans: Do They Exist? | Simple Interest Loans: Do They Exist?
When you borrow money, you have to pay back the amount of the loan (called the principal), plus pay interest on the loan. Interest essentially amounts to the cost of borrowing the money—what you pay the lender for providing the loan—and it’s typically expressed as a percentage of t... |
b965f9f20312fbaa2789a9503f7723d4 | https://www.investopedia.com/articles/personal-finance/082115/what-are-cosigners-liable-responsible.asp | What Are Cosigners Liable and Responsible For? | What Are Cosigners Liable and Responsible For?
If you’re fortunate enough to have good credit, there’s a good chance that someday a loved one will call asking for you to cosign a new loan or a credit card. Maybe it’s an adult son or daughter without much of a borrowing history or one who’s taken a few hits in recent ye... |
6591e39fa280b047f568544c025e6156 | https://www.investopedia.com/articles/personal-finance/082214/get-best-savings-interest-rates-you.asp | CDs vs. MMAs vs. Savings Accounts | CDs vs. MMAs vs. Savings Accounts
Choosing the right type of savings account can be confusing. Are you better off with a certificate of deposit (CD)? A traditional savings account? A money market account (MMA)? In some ways, these three types of savings accounts are similar. They're all taxable accounts you can open at... |
a1616f50b8b7463e5cf9077fded3a393 | https://www.investopedia.com/articles/personal-finance/082214/using-social-security-website-get-answers.asp | Using the Social Security Website to Get Answers | Using the Social Security Website to Get Answers
Similar to any government website, ssa.gov, the official site of the Social Security Administration, is full of helpful information. Finding what you need in the long list of publications, forms, and other web resources, however, is not always easy. Here is a guide to he... |
033e3fb4da787308c208a60c6300add4 | https://www.investopedia.com/articles/personal-finance/082216/what-difference-between-helicopter-money-and-qe.asp | What Is the Difference Between Helicopter Money and QE? | What Is the Difference Between Helicopter Money and QE?
Central banks across the globe were struggling to spur economic growth at times following the 2008-09 financial crisis and Great Recession. They had used nearly all their tools to attempt to spark economic growth, including negative interest rates and stimulus pro... |
40f697037e4c797c517f2e58b7bfd4ed | https://www.investopedia.com/articles/personal-finance/082415/least-expensive-states-retire.asp | Least Expensive States to Retire In | Least Expensive States to Retire In
Study after study supports what many Americans already know: Many of us are financially unprepared for retirement. One study from Bankrate.com shows that 26% of U.S. residents between the age of 50 and 64 had nothing saved for retirement.
According to the Transamerica Center for Reti... |
3e9d7b099f5f060c44f07415858b4b72 | https://www.investopedia.com/articles/personal-finance/082415/pros-and-cons-capitalist-vs-socialist-economies.asp | Capitalist vs. Socialist Economies: What's The Difference? | Capitalist vs. Socialist Economies: What's The Difference?
Capitalist vs. Socialist Economies: An Overview
Capitalism and socialism are economic systems that countries use to manage their economic resources and regulate their means of production.
In the United States, capitalism has always been the prevailing system. I... |
2c22ae2d3f94c243ba4505f1b248d78c | https://www.investopedia.com/articles/personal-finance/082415/schedule-loan-repayments-excel-formulas.asp | Schedule Loan Repayments With Excel Formulas | Schedule Loan Repayments With Excel Formulas
Loan repayment is the act of paying back money previously borrowed from a lender, typically through a series of periodic payments that include principal plus interest. Did you know you can use the software program Excel to calculate your loan repayments?
This article is a st... |
54db62d73ac08e758c63b338c045d569 | https://www.investopedia.com/articles/personal-finance/082415/whats-wrong-american-tax-system.asp | What's Wrong With the American Tax System | What's Wrong With the American Tax System
What's wrong with the American tax system? Depending on their perspectives, taxpayers complain about a wide range of features. However, recent studies reveal that a majority express a concern that the system is unfair. They believe that it often requires low- and middle-income ... |
a073e978d876448ef440e8aa5d26d387 | https://www.investopedia.com/articles/personal-finance/082416/going-law-school-worth-it-anymore.asp | Is Law School Worth It Anymore? | Is Law School Worth It Anymore?
Is Law School Worth It?
According to a Gallup poll of over 4,000 adults who obtained a law degree between 2000 and 2015, only 23% said obtaining a law degree was worth the cost. With the average law school debt coming in around $145,500, according to the most recent data from the Natio... |
009456d15e954319a8dc00e7dc17ed6b | https://www.investopedia.com/articles/personal-finance/082514/how-irs-became-so-essential-and-so-loathed.asp | How The IRS Works: Functions & Audits | How The IRS Works: Functions & Audits
Even the most enlightened citizen curses taxes at least once a year—possibly while simultaneously acknowledging that they're the price of a civilized, developed society. Even knowing the value of that bargain, loathing the taxman is as inevitable as taxation itself. In the U.S., at... |
e536982f099719290af0276a532f7ecc | https://www.investopedia.com/articles/personal-finance/082516/why-too-many-credit-cards-can-hurt-your-credit-score.asp | Can Too Many Credit Cards Hurt Your Credit Score? | Can Too Many Credit Cards Hurt Your Credit Score?
Credit cards are great financial tools of convenience and security. They come in handy when you either don't have any cash on hand or don't want to carry cash when making purchases. They can also be quite useful when making large purchases such as a new TV or major appl... |
fb4e4de91229296b15934f8ec3ebc58c | https://www.investopedia.com/articles/personal-finance/082614/start-building-solid-credit-young-age.asp | How to Use a Credit Card to Build Credit | How to Use a Credit Card to Build Credit
Getting a credit card—and using it wisely—can be one of the best ways to build a solid credit history, especially at a young age. But that's not only true if you are just starting out, but also if you've had some financial difficulties in the past and need to rebuild your credit... |
38c2c7fb36444f2be8c59b75cb25ee42 | https://www.investopedia.com/articles/personal-finance/082615/careers-equity-research-vs-investment-banking.asp | Careers: Equity Research vs. Investment Banking | Careers: Equity Research vs. Investment Banking
Equity Research vs. Investment Banking
Investment banking may no longer be the undisputed first choice for the best and brightest. Instead of streaming into investment banking, many top graduates are now opting for careers in management consulting, technology, or launchin... |
ccf9bdd344d3d406f8ec89992a34a932 | https://www.investopedia.com/articles/personal-finance/082615/maxing-out-your-401k-profitable-heres-why.asp | Maxing Out Your 401(k) and What to Do Next | Maxing Out Your 401(k) and What to Do Next
A 401(k) is a powerful retirement savings tool. If you have access to such a program through work, it's shrewd to take advantage of any employer match. If you still have money left over, there are other ways to save for retirement.
Key Takeaways Try to max out your 401(k) eac... |
7ea9b8b4e469fbef7465b41cb1d4aed6 | https://www.investopedia.com/articles/personal-finance/082714/filling-out-w9-form.asp | Filling Out Form W-9: Request for Taxpayer Identification Number (TIN) and Certification | Filling Out Form W-9: Request for Taxpayer Identification Number (TIN) and Certification
If you work as a freelancer or independent contractor, most of your clients should ask you to complete Form W-9, Request for Taxpayer Identification Number (TIN) and Certification. This form helps businesses receive key information... |
68fcaeba3a5903241258413d87888232 | https://www.investopedia.com/articles/personal-finance/082714/purpose-w9-form.asp | The Purpose of the W-9 Form | The Purpose of the W-9 Form
Businesses use IRS Form W-9, Request for Taxpayer Identification Number and Certification, to get information from vendors they hire as independent contractors (also called freelancers). When a business pays a contractor $600 or more during a tax year, it has to report these payments to th... |
cfde5da3c010a544dacf0f1abf4341fd | https://www.investopedia.com/articles/personal-finance/083115/purpose-irs-form-4868.asp | The Purpose of IRS Form 4868 | The Purpose of IRS Form 4868
If you are required to file a federal income tax return and for any reason want more time beyond the April filing deadline, you can get an extension just by asking for it. The request is made by filling out an Internal Revenue Service (IRS) extension form, known officially as Form 4868: App... |
bf351779a8d4af99dd79d61b89bbe0b9 | https://www.investopedia.com/articles/personal-finance/083115/renting-vs-owning-home-pros-and-cons.asp | Renting vs. Owning a Home: What's the Difference? | Renting vs. Owning a Home: What's the Difference?
Renting vs. Owning: An Overview
Choosing to rent or buy your home is a major decision that affects not only your lifestyle but also your financial health.
Real estate ownership is touted as an investment that is likely to build equity and a source of tax deductions. Ren... |
544c9ddc437ad68882912cdeb50a37ed | https://www.investopedia.com/articles/personal-finance/090315/millennials-guide-how-read-lease.asp | Millennial Guide: How to Read a Lease | Millennial Guide: How to Read a Lease
Someday, between the time you move out of your childhood home and when buy your first residence, you’ll probably find yourself staring at a lease. A lease is a contract between someone who owns real estate (the landlord) and another person who occupies that piece of real estate (th... |
2c63c3acd511061c6f8d747b31e24c25 | https://www.investopedia.com/articles/personal-finance/090415/cost-raising-child-america.asp | The Cost of Raising a Child in the United States | The Cost of Raising a Child in the United States
Nobody wants to financially evaluate a child as they would the purchase of a car or home, but by the time a child reaches the age of 18, they will have cost their parents more than some houses. Be prepared to pay a lot of money for that cute little bundle. For example, p... |
2c1d7d6d63fdebec7db38c26a6e10886 | https://www.investopedia.com/articles/personal-finance/090415/salary-secrets-what-considered-big-raise.asp | Salary Secrets: What is Considered a Big Raise? | Salary Secrets: What is Considered a Big Raise?
Built up the courage to ask your boss for a raise? The quality of a workplace raise, it so often seems, is in the eye of the receiver. The same bump in pay can leave some with a big grin on their face, while causing others to wonder why they didn’t get more. This raises t... |
3c3f173dfbe1d038a6f12258b6b9bf33 | https://www.investopedia.com/articles/personal-finance/090514/should-you-get-gas-credit-card.asp | Why Get a Gas Credit Card? | Why Get a Gas Credit Card?
Americans pump nearly 392 million gallons of gasoline on an average day—more than a gallon for every man, woman, and child in the country, according to the U.S. Energy Information Administration. As the price of gasoline fluctuates, so does the cost of filling the tank each week. As a resul... |
e69d656f7009106731b063d8726bea16 | https://www.investopedia.com/articles/personal-finance/090815/quick-guide-how-fafsa-loans-work.asp | A Quick Guide to How FAFSA Works | A Quick Guide to How FAFSA Works
How Does FAFSA Work?
Every college-bound person and their parents need to know how the Free Application for Federal Student Aid (FAFSA) process works. Some may dismiss the idea of applying for financial aid for college because they think they make too much money to qualify. But regardle... |
da32eeeba755981b10c286182a4601b6 | https://www.investopedia.com/articles/personal-finance/090915/how-much-money-do-you-need-live-las-vegas.asp | How Much Money Do You Need to Live in Las Vegas? | How Much Money Do You Need to Live in Las Vegas?
Living in Las Vegas is alluring, with its world-class nightlife, bountiful outdoor recreation and an average of 330 sunny days per year. The income you need to live in Las Vegas depends on factors that include the part of town you call home and whether you have dependent... |
297eced7ccb320b15edbf67072cf8170 | https://www.investopedia.com/articles/personal-finance/090915/mortgage-broker-vs-direct-lenders-which-best.asp | Mortgage Broker vs. Direct Lender: What's the Difference? | Mortgage Broker vs. Direct Lender: What's the Difference?
Mortgage Broker vs. Direct Lender: An Overview
The mortgage industry is full of individuals and companies that help people get access to financing for one of the biggest investments in their lives. These entities include mortgage brokers and direct lenders. Whil... |
a648a09b5451a341de7481db9d48113c | https://www.investopedia.com/articles/personal-finance/090915/variable-annuities-good-retirement-investment.asp | Variable Annuities: A Good Retirement Investment? | Variable Annuities: A Good Retirement Investment?
One of the biggest worries for older investors is the prospect of outliving their assets. With many people in the developed world now living 20 or more years past retirement, those fears are often justified. That's why some individuals opt to purchase variable annuities... |
4eac4c8f6d0df93c01874de1148651a1 | https://www.investopedia.com/articles/personal-finance/091014/who-needs-life-insurance-who-doesnt.asp | Who Can Skip Buying Life Insurance? | Who Can Skip Buying Life Insurance?
Life insurance is tricky. There are scenarios in which it’s vital to your family, but there are also instances when it may no longer be needed. If you have term life insurance, there may be a time when having it no longer makes sense.
Cash-value policies, on the other hand, accumulat... |
013fbcd7b113a73deb793b21f46be36f | https://www.investopedia.com/articles/personal-finance/091015/millennials-guide-picking-right-car-insurance.asp | Millennials Guide: Picking the Right Car Insurance | Millennials Guide: Picking the Right Car Insurance
“Car insurance? Nah, I don’t need that.” If you’ve ever spoken these words, there's a good chance you might be a Millennial. In fact, only 64% of Americans ages 18 to 29 have auto insurance, compared with an average of 84% for all older drivers, according to a survey c... |
556ee1173d20e053d53200f7ad35e79f | https://www.investopedia.com/articles/personal-finance/091015/retirement-tips-how-choose-best-ira-custodian.asp | Retirement Tips: How to Choose the Best IRA Custodian | Retirement Tips: How to Choose the Best IRA Custodian
There are several types of individual retirement accounts (IRAs), but they all have one thing in common. By Internal Revenue Service (IRS) decree, they must have a custodian. Basically, an IRA custodian is a financial institution that holds your account's investment... |
3eec3a9d67b7d622427ad447578c3c5f | https://www.investopedia.com/articles/personal-finance/091115/psychology-behind-why-people-buy-luxury-goods.asp | The Psychology Behind Why People Buy Luxury Goods | The Psychology Behind Why People Buy Luxury Goods
For many people, buying a luxury handbag is not an uncommon purchase: perhaps just as common as buying a blouse at Target Corporation (TGT). While the appeal of luxury goods is undeniable—the leather is soft, the logo is flashy—the price tag can be off-putting. Unless y... |
e8cad597ce4e463d43e1603ce71100f0 | https://www.investopedia.com/articles/personal-finance/091415/5-financial-prerequisites-buying-house.asp | 6 Financial Prerequisites for Buying a House | 6 Financial Prerequisites for Buying a House
Whether you’re in a buyer’s or a seller’s market, you'll want to buy a home as soon as you come across the right one. But it's not always that simple. There are many financial issues that will determine whether you'll be able to purchase the house, as well as the terms of yo... |
9b00eb72cac499e2d5564187637432e8 | https://www.investopedia.com/articles/personal-finance/091415/how-much-money-do-you-need-live-los-angeles.asp | How Much Money Do You Need to Live in Los Angeles? | How Much Money Do You Need to Live in Los Angeles?
As the second-largest city in the United States, Los Angeles attracts residents from across the country and around the globe. As the epicenter of the multibillion-dollar entertainment industry, the city is a magnet for aspiring actors, directors and screenwriters. With... |
e74ccd0b991c3d192d66b57cb58b0297 | https://www.investopedia.com/articles/personal-finance/091415/leasing-yacht-stepbystep-guide.asp | Leasing a Yacht: A Step-by-Step Guide | Leasing a Yacht: A Step-by-Step Guide
As the saying goes: “A boat is a hole in the water into which you throw money.” Indeed, yachting can be an expensive hobby, where purchasing a vessel outright is not economically feasible for most people. However, chartering a boat may be an economical solution to enjoying the open... |
95d9a8dff7986807bfc292eae50a85df | https://www.investopedia.com/articles/personal-finance/091514/expanding-your-small-business-sba-loan.asp | How SBA Loans Can Help Your Small Business | How SBA Loans Can Help Your Small Business
Information in this article reflects guidance from the Small Business Administation following passage of the Consolidated Appropriations Act (CAA), 2021, Dec. 27, 2020.
Whether you’re seeking financial help for your small business in response to the coronavirus (COVID-19) ... |
28f8b0608f0f30b6731e81e901bd6b69 | https://www.investopedia.com/articles/personal-finance/091515/beginners-guide-student-loans.asp | How to Apply for Student Loans | How to Apply for Student Loans
Unless their parents have somehow saved enough money—or earn massive salaries—most students need to borrow to pay for college today. Working your way through college is largely a thing of the past, as well. Few students can make enough to pay for college while they're also taking classes.... |
4d3e4de8bbdcd81f8a8ecf2a6e5fa14e | https://www.investopedia.com/articles/personal-finance/091614/benefits-simple-ira.asp | Benefits of a SIMPLE IRA | Benefits of a SIMPLE IRA
Although many employers allow workers to save for retirement using qualified retirement plans, such as a 401(k), 403(b), or 457, these plans have rules that can be cumbersome for both employers and employees.
Some small businesses instead choose SIMPLE (Savings Incentive Match for Employees of ... |
752f454cc6458d90fb8abf6e70ac0625 | https://www.investopedia.com/articles/personal-finance/091615/10-tips-strategic-networking.asp | 10 Tips for Strategic Networking | 10 Tips for Strategic Networking
There's an old saying: it's who you know, not what you know. The idea is that education, skills and knowledge can only get you so far. But if you know the right people and have the right connections, these valuable resources can put you in the path of greater opportunities. A well-place... |
3f44aeca28feacf6373a66983897ca74 | https://www.investopedia.com/articles/personal-finance/091615/3-best-alternatives-quicken-software.asp | The 3 Best Alternatives to Quicken Software | The 3 Best Alternatives to Quicken Software
Quicken is one of three very well-known, widely used and highly successful financial software programs developed by Intuit, Inc. (INTU). Intuit subsequently sold its personal financial management tool to private equity firm H.I.G. Capital in 2016.
Quicken offers users servi... |
07b507b5c2d39c8b3e96191262b33957 | https://www.investopedia.com/articles/personal-finance/091615/best-places-exchange-currency-los-angeles.asp | Best Places To Exchange Currency In Los Angeles | Best Places To Exchange Currency In Los Angeles
If you're traveling to the U.S. and plan on arriving in Los Angeles (LA) at LAX airport, you'll likely need U.S. currency for cash purchases, such as a coffee or bottle of water. If you're traveling abroad from the U.S, you may want to have foreign currency on hand to pay... |
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