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58f4edeb155b80bb84bd5a565b03f201 | https://www.investopedia.com/articles/pf/07/after-bankruptcy.asp | Life After Bankruptcy | Life After Bankruptcy
What does life after bankruptcy look like? When you're considering this move, it's important to look ahead before you decide your next steps.
People can find themselves at a point where there is no chance they will be able to pay off the debts they have accumulated. For example, consider someone w... |
e8b7de6e62a4bf5f2c4e15da389bdae1 | https://www.investopedia.com/articles/pf/07/avoid_foreclosure.asp | Saving Your Home From Foreclosure | Saving Your Home From Foreclosure
Finally attaining the home of your dreams—or any home—doesn’t mean it will be safe from foreclosure. A crisis could come that puts you at risk for foreclosure, especially if your dream house entails big mortgage payments.
If your home is at risk of foreclosure, the problem should be ad... |
5f59a96f3b32d253660331ddca3af03f | https://www.investopedia.com/articles/pf/07/bulk_buying.asp | Why Buying in Bulk Doesn't Always Save You Money | Why Buying in Bulk Doesn't Always Save You Money
On the surface, buying in bulk seems like a great way to save money. But is buying in bulk cheaper? When you buy a large amount of anything, the price of individual units tends to be lower. The more you buy, the less each unit actually costs you. Yet, although this seems... |
0be0dc47600d388d2aac151778be1b85 | https://www.investopedia.com/articles/pf/07/buy-condo.asp | An Introduction to Buying a Condominium | An Introduction to Buying a Condominium
When you’re looking to buy a home, there are plenty of choices available. One of them is a condominium—a multi-unit property that is divided and sold in individual units. Compared with a single-family dwelling, ownership in a condominium includes partial ownership in shared “comm... |
11402fd4d85f2ff2391343150b829b18 | https://www.investopedia.com/articles/pf/07/canadian_tax.asp | Tax-Saving Tips For Canadian Taxpayers | Tax-Saving Tips For Canadian Taxpayers
Taxes are a bane for just about everyone except accountants, but they are an inevitable fact of life. The rules are constantly changing and it can seem like the deck is stacked against the honest taxpayer. Don't despair though; there are still simple ways for Canadians to limit th... |
31b5e28ec2ba122b6dd7116a392b5925 | https://www.investopedia.com/articles/pf/07/child_bank_account.asp | Opening Your Child's First Bank Account | Opening Your Child's First Bank Account
Most of us are well aware of the importance of creating budgets and plans for our finances. However, sometimes we forget that we also need to teach our children about planning and budgeting. There are many ways to create a saving and spending plan for your child to help steer the... |
c1fdca9854cb5a4feb97d49b29041909 | https://www.investopedia.com/articles/pf/07/childinvestor.asp | How to Teach Your Child About Investing | How to Teach Your Child About Investing
Are you teaching your children about investing? As they become aware of money and other financial concepts, it is smart to familiarize them with investing and arm them with know-how and tools they can take with them into adult life.
Children mature at different rates, of course, ... |
105774ac19ff587bb838d112cc4bae32 | https://www.investopedia.com/articles/pf/07/college_savings.asp | Clearing up Tax Confusion for College Savings Accounts | Clearing up Tax Confusion for College Savings Accounts
Saving for a child's college education was once simpler and much more affordable in the past. There were also a lot fewer tax breaks to navigate. Over time, the tax rules have evolved, leading to a confusing array of tax-advantaged college savings accounts, tax cre... |
f628b1cbc8f59bf015f4f8f69fd0714d | https://www.investopedia.com/articles/pf/07/credit-card-dispute.asp | How to Dispute a Credit Card Charge | How to Dispute a Credit Card Charge
What happens when the brand-new 4K television you brought home turns out to be a bust? Or the new fitness tracker you got for your spouse doesn't work? Or, when you've been double-charged for something you're sure you only came home with one of?
If you've made these purchases on a cr... |
9cc5b8c8aec84974099bd1b9ec0b42ce | https://www.investopedia.com/articles/pf/07/credit-card-donts.asp | 6 Major Credit Card Mistakes | 6 Major Credit Card Mistakes
Credit cards can be a boon to consumers, providing many advantages and benefits. Because they're such a great alternative to cash, they're great if you need to make purchases when you find yourself in a pinch. Some cards offer perks like rewards like cash back or travel miles, while others ... |
099d428489b4afd3816d6b6b6e4ed558 | https://www.investopedia.com/articles/pf/07/cut-credit-debt.asp | Expert Tips for Cutting Credit Card Debt | Expert Tips for Cutting Credit Card Debt
Credit cards can be a huge convenience. But if you aren't careful, they can also be an easy way to get into serious financial trouble and end up with bad credit. Here are a few reasons you might want to cut down on your credit card debt and some simple steps for going about it.
... |
4ef73c6baaaf0e0171fa1c4561b8e505 | https://www.investopedia.com/articles/pf/07/disposable_income.asp | How to Increase Your Disposable Income | How to Increase Your Disposable Income
Although it is not the only factor in deciding how wealthy an individual is, disposable income does have a significant influence. If you have little or no money after taxes and expenses, then it is hard to save and invest for the future. In this article, we'll look at four ways yo... |
fef4c518b828b11503ce762491fa947a | https://www.investopedia.com/articles/pf/07/esops.asp | Is an ESOP Right for Your Business? | Is an ESOP Right for Your Business?
How much of your net worth is tied up in your business? If it represents a large percentage of your total net worth, you may have wondered how you can transfer this wealth to the next generation of entrepreneurs, while also attracting, rewarding, and retaining valuable employees.
Own... |
6d47aa965ca3c35882b1e1881739b0e3 | https://www.investopedia.com/articles/pf/07/life_insurance_rider.asp | 8 Common Life Insurance Riders | 8 Common Life Insurance Riders
Riders are additional benefits that can be bought and added to a basic life insurance policy. They allow you to customize a policy and can provide several kinds of protection if you meet their conditions.
Buying a rider means paying extra, but generally the additional premium is low becau... |
1453b82d9aafa8d8026ac0d18c1da7e2 | https://www.investopedia.com/articles/pf/07/loan_types.asp | Understanding Different Loan Types | Understanding Different Loan Types
Borrowed money can be used for many purposes, from funding a new business to buying your fiancée an engagement ring. But with all of the different types of loans out there, which is best—and for which purpose? Below are the most common types of loans and how they work.
Key Takeaways ... |
507fc54b030d77c3dfb0b7336ab67931 | https://www.investopedia.com/articles/pf/07/mcmansion.asp | McMansion: A Closer Look at the Big House Trend | McMansion: A Closer Look at the Big House Trend
From Australia to America, single-family houses have gotten bigger over the decades. A lot bigger. The Australian government reports that the average size of a new house increased by 40% between 1984 and 2003, going from 162.2 square meters (approximately 1,745 square fee... |
954c45b908d8f6236618101530599ce9 | https://www.investopedia.com/articles/pf/07/patient_investor.asp | Patience Is a Virtue for Traders | Patience Is a Virtue for Traders
Although the best investors and traders understand the importance of patience, it is one of the most difficult skills to learn as an investor and trader.
Dennis Gartman, an influential money manager and former publisher of The Gartman Letter, is purported to have espoused the value of p... |
ee9baccad08a2a8bcf03b948d073db78 | https://www.investopedia.com/articles/pf/07/permanent_life_insurance_taxes.asp | Cut Your Tax Bill With Permanent Life Insurance | Cut Your Tax Bill With Permanent Life Insurance
Proper tax planning should do two things—reduce your taxes while you are alive, as well as after you die. Permanent life insurance gives you the potential to cover these two bases at once, where you can transfer your assets tax-free (income and estate) free to beneficiari... |
28eaeab54c84e6ced52c42c1981ecf5c | https://www.investopedia.com/articles/pf/07/property_tax_tips.asp | Tricks for Lowering Your Property Tax Bill | Tricks for Lowering Your Property Tax Bill
If you ask most homeowners about their property taxes, they'll likely tell you they pay too much. Property taxes are real estate taxes calculated by local governments and paid by homeowners. They are considered ad valorem, which means they are assessed according to the value o... |
c3a0a4d73f00ca25384100f5bff3dfec | https://www.investopedia.com/articles/pf/07/risk_tolerance.asp | Risk Tolerance | Risk Tolerance
Risk tolerance is a topic that is often discussed but rarely defined. It is not unusual to read a trade recommendation discussing alternatives or options based on different risk tolerances. But how does an individual investor determine his or her risk tolerance? How can understanding this concept help in... |
b5a493bb586d66de7c70895849a79403 | https://www.investopedia.com/articles/pf/07/scottish_frugality.asp | Save Money the Scottish Way | Save Money the Scottish Way
The Scottish have long been famed for their frugality and practicality. Henry Duncan, a Scottish minister, founded the world's first commercial savings bank. Adam Smith, one of the most famous figures in economics, also hailed from Scotland.
It's no coincidence that many successful busines... |
a8ecd3409ad16d68328e7a4af31f6398 | https://www.investopedia.com/articles/pf/07/secondary_mortgage.asp | Behind the scenes of your mortgage | Behind the scenes of your mortgage
You may see your mortgage as the loan that helped you buy your home. But investors see a mortgage as a stream of future cash flows. These cash flows are bought, sold, stripped, tranched, and securitized in the secondary mortgage market. Because most mortgages end up for sale, the seco... |
c33c5ab380f0193628c946590b1643bc | https://www.investopedia.com/articles/pf/07/succession_planning.asp | How to Create a Business Succession Plan | How to Create a Business Succession Plan
For many small business owners, maintaining positive cash flow and a stable balance sheet can be an ongoing battle that consumes virtually all of their time. Even retirement often seems like a distant speck on the horizon, let alone plans to hand over the business. However, esta... |
a998c14357bc39702429789c758f662f | https://www.investopedia.com/articles/pf/07/variable_universal.asp | Variable Life Vs. Variable Universal: What's the Difference? | Variable Life Vs. Variable Universal: What's the Difference?
Variable Life Insurance vs. Variable Universal Life (VUL) Insurance: An Overview
For investors that love to watch the market, variable life insurance products are interesting. These products allow for a portion of the premium to be allocated to the insurance ... |
f06014effb3ccbe5ce021513741a0d04 | https://www.investopedia.com/articles/pf/08/affordable-college-education.asp | How to Fund a College Education | How to Fund a College Education
How can you afford to fund a college education when the prices just seem to keep rising—unlike many people's incomes. Paying for college is a challenge for almost every family. But that doesn't mean it can't be done, preferably by getting started early and knowing what you're up against.... |
13d4d6f8e56fb8ccdcb54e27d1991934 | https://www.investopedia.com/articles/pf/08/asset-protection-business.asp | Asset Protection for the Business Owner | Asset Protection for the Business Owner
As a business owner, you probably realize that operating and owning a business can be fraught with pitfalls and risks. Turning a profit isn't enough; you must also protect your business from claims and lawsuits. Debts and mortgage obligations to third parties and vendors, claims ... |
f46314182be6459a608c37bc4db593b1 | https://www.investopedia.com/articles/pf/08/avoid-atm-scams-atm-fraud.asp | 5 ATM Scams That Can Break the Bank | 5 ATM Scams That Can Break the Bank
Over the last two decades, automated teller machines (ATMs) have become as much a part of the landscape as the phone booths made famous by Superman. As a result of their ubiquity, people casually use these virtual cash dispensers without a second thought. The notion that something co... |
a575773f9620d01db93cccf8b63f9a69 | https://www.investopedia.com/articles/pf/08/bad-investment-advice.asp | How Bad Investment Advice Can Cost You | How Bad Investment Advice Can Cost You
Many investors still rely on their financial advisors to provide guidance and to help them manage their investment portfolios. The advice they receive is as varied as the background, knowledge and experience of their advisors. Some of it is good, some of it is bad, and some is jus... |
dd07ae09364fcd830cd989458e408605 | https://www.investopedia.com/articles/pf/08/business-insurance-coverage.asp | Insurance Coverage: A Business Necessity | Insurance Coverage: A Business Necessity
Even when cash is scarce, or revenues down, small businesses shouldn't neglect their insurance needs. Businesses that are underinsured or without broad, proper, and adequate coverage are taking needless risks that could lead to serious financial problems, or even bankruptcy. In ... |
88d38716c7203432d17c37cacc273341 | https://www.investopedia.com/articles/pf/08/buy-sell-online.asp | Shopping Online: Convenience, Bargains, and a Few Scams | Shopping Online: Convenience, Bargains, and a Few Scams
Online buying and selling have become important parts of many people's lives. Virtual stores allow people to shop from the comfort of their homes without the pressure of a salesperson. Online marketplaces provide a new and more convenient venue for exchanging virt... |
3ffcd48f24ad7fa807710765f7915ab6 | https://www.investopedia.com/articles/pf/08/close-credit-card.asp | Should You Close Your Credit Card? | Should You Close Your Credit Card?
With rising living costs and ever-higher credit card interest rates, you may decide you can improve your financial well-being and limit your debt by closing credit cards. Before you do that, though, it’s important to understand the impact that closing a credit card will have on your c... |
8f177344558a54fd75c3007c01934a31 | https://www.investopedia.com/articles/pf/08/cost-car-ownership.asp | The True Cost of Owning a Car | The True Cost of Owning a Car
Everyone knows cars are expensive. In addition to the cost of acquisition, there's maintenance, insurance, and the average gas cost per year, which seems to continually increase. We all know that those costs add up, but few of us know exactly how much it really costs to own a car. Let's ta... |
49d47204d12c44af0c649965b7ec0280 | https://www.investopedia.com/articles/pf/08/credit-scams-online.asp | Credit Scams to Watch Out For | Credit Scams to Watch Out For
At least once a month, there is a story in the news involving various credit scams and their victims. If it happens to you, repairing the damage can be very time-consuming and inconvenient, so it's important to avoid credit scams before you become a victim. This article will outline some o... |
106584243ac2e148b49ae5a70b73e2fd | https://www.investopedia.com/articles/pf/08/deal-with-debt-collectors.asp | Outfox the Debt Collector's Hounds | Outfox the Debt Collector's Hounds
Debt collectors have two subtle weapons at their disposal: fear and ignorance. Many people dread the midnight phone calls or the embarrassing workplace confrontations, not realizing that these old standby threats are just that – threats. As you'll learn, these practices and other tric... |
d06223f77206fb59664134a4d1fc6fee | https://www.investopedia.com/articles/pf/08/financial-intervention.asp | Conduct A Financial Intervention | Conduct A Financial Intervention
When most people think of an "intervention" they imagine a group of friends and family gathered to together to demand that a loved one seek treatment for alcohol or drug abuse. The person, overwhelmed by the outpouring of love and concern, often agrees to receive the life-saving treatme... |
c95e7e02baae666d0583087b5382612e | https://www.investopedia.com/articles/pf/08/fine-art.asp | Fine Art Can Be a Fine Investment | Fine Art Can Be a Fine Investment
The fine art market continues to boom. It seems that every day, another auction record is set for "the highest price ever paid [fill in artist's name here]." So what does that mean for the painting you bought to match your sofa a few years back? It may increase in worth, or it may be a... |
d6bc6dbd791c8ba2bcbf041e51c45c2d | https://www.investopedia.com/articles/pf/08/ideal-net-worth.asp | What's Your Net Worth Telling You? | What's Your Net Worth Telling You?
Imagine you just landed in an unfamiliar city and now have to drive a rental car to your hotel. Do you want a car with GPS navigation, or would you rather wing it? Seriously, how hard can it be to find your way around Hong Kong?
A net worth calculation is like GPS for your retirement ... |
6b090d30ed2a28ff81d3267996f5796b | https://www.investopedia.com/articles/pf/08/invest-reduce-debt.asp | Should I Pay off Debt or Invest Extra Cash? | Should I Pay off Debt or Invest Extra Cash?
People who find themselves with extra cash can face a dilemma. Should they use the money to pay off—or at least, substantially pay down—that pile of debt they've accumulated, or it is more advantageous to put the money to work in investments that will grow for the future? Eit... |
a08d17305414947694dea3744196d0d3 | https://www.investopedia.com/articles/pf/08/joint-tenancy.asp | Joint Tenancy: Benefits and Pitfalls | Joint Tenancy: Benefits and Pitfalls
Joint tenancy is an arrangement that allows beneficiaries to access your account without having to go to court. Couples and business partners can take title to each other's bank accounts, brokerage accounts, real estate, and personal property as joint tenants with rights of survivor... |
d0bf08827d5ee68225df03357b080384 | https://www.investopedia.com/articles/pf/08/make-money-in-business.asp | How to Run a Successful Small Business | How to Run a Successful Small Business
To succeed in business today, you need to be flexible and have good planning and organizational skills. Many people start a business thinking that they’ll turn on their computers or open their doors and start making money, only to find that making money in a business is much more ... |
6ec696f61e8e21a0d48e36baa3660371 | https://www.investopedia.com/articles/pf/08/negotiate-credit-card-apr.asp | Cut Credit Card Bills by Negotiating a Lower Rate | Cut Credit Card Bills by Negotiating a Lower Rate
One of the great misconceptions about credit card debt is that the cards themselves are bad. The truth is, they're really not. Rather, it's the effect of double-digit interest rates that make them so toxic to our personal finances. The exponential growth of the account ... |
54fdc01c2fff50d4c3f8ab3f695d2f75 | https://www.investopedia.com/articles/pf/08/overdraft-protection.asp | When Good People Write Bad Checks | When Good People Write Bad Checks
If you've ever overdrawn your checking account, you know how painful those overdraft fees can be. How can you avoid paying exorbitant fees when you overspend? Banks offer a few types of overdraft protection that can keep you fee-free but don't think they're all created equal. Here's wh... |
a571ac153306b5352c6aa57a741656af | https://www.investopedia.com/articles/pf/08/picking-lawyer.asp | How To Pick The Right Lawyer | How To Pick The Right Lawyer
Whether you are drafting a will or a trust, buying or selling real estate or getting a divorce, it is important to select the best attorney possible. Read on to find out what tips you can use to make sure that you are picking the right lawyer for you. They often have asymmetric information ... |
ead50075e695e136f7757b90d1c1923b | https://www.investopedia.com/articles/pf/08/planning-for-business.asp | New Year Planning for Business Owners | New Year Planning for Business Owners
Every new year, business owners should take the time to sit down and do a little planning, just to make sure that they'll be able to keep their company afloat and on the right track. Doing so will help ensure the business will have the necessary tools to maintain (and meet) its fin... |
374ac8c60679d11153b8270f22895564 | https://www.investopedia.com/articles/pf/08/private-health-insurance.asp | Buying Private Health Insurance | Buying Private Health Insurance
If your employer doesn't offer you health insurance as part of an employee benefits program, you may be looking at purchasing your own health insurance through a private health insurance company. When your employer offers you the option to enroll in an employer-sponsored health insurance... |
f3bcccb0d949f151571b39d72955fda4 | https://www.investopedia.com/articles/pf/08/recession-proof-your-life.asp | 7 Ways to Recession-Proof Your Life | 7 Ways to Recession-Proof Your Life
Do you worry about how a potential recession or economic slowdown might affect you and your finances? Assuming that you have some time to prepare, you can put your fears to rest because there are many everyday habits the average person can implement to protect themselves ahead of tim... |
418564e1db6aa01a4ac898b944976ee1 | https://www.investopedia.com/articles/pf/08/renting-vacation-home.asp | Tips for Renting a Vacation House | Tips for Renting a Vacation House
If you're looking to rent a vacation home but don't know where to start, you're not alone. Finding the perfect holiday getaway isn't easy, but there are ways to set yourself apart from the herd and guarantee you get the residence you want without breaking your budget.
As with most ende... |
9c34c8b010667716530019a38923705e | https://www.investopedia.com/articles/pf/08/social-security-tax.asp | Avoid the Social Security Tax Trap | Avoid the Social Security Tax Trap
In the good old days, Social Security was tax-free. But times have changed, and now many taxpayers can expect to see at least a portion of their Social Security income make its way onto the taxable income line of their 1040s.
People who convert their traditional IRAs to Roth IRAs ofte... |
104af86c57a30737de44c300560a385e | https://www.investopedia.com/articles/pf/08/speding-holiday.asp | 8 Tips to Help You Control Holiday Spending | 8 Tips to Help You Control Holiday Spending
Think you can't get through the holidays without spending a fortune? It can be easy to go overboard on holiday shopping, but with a little bit of planning and budgeting, it is possible to celebrate without spending all of your cash or maxing out your credit cards. Use these e... |
9edfbc8a0b50428d4caefb0937496410 | https://www.investopedia.com/articles/pf/08/stop-paying-bills-late.asp | Procrastinator’s Guide to Bill Payment | Procrastinator’s Guide to Bill Payment
Paying your bills on time is an important aspect of taking control of your financial life. Knowing when your bills are due and making a habit of paying them by the deadline can reduce your stress, save you money, boost your credit score, and enable you to get lower-interest credit... |
3616f89de49ee169240ae1eff01f1913 | https://www.investopedia.com/articles/pf/08/stop-scams.asp | Stop Scams in Their Tracks | Stop Scams in Their Tracks
Scammers trick millions of people a year. According to a report from the Federal Trade Commission (FTC), U.S. consumers filed roughly 1.7 million fraud complaints, 892,000 “other” complaints, and 651,000 complaints of identity theft during 2019 (the most recent data available). Of the 1.7 mil... |
6d933b3f893e43f161502a064bdf0240 | https://www.investopedia.com/articles/pf/08/term_life.asp | 5 Life Insurance Questions You Should Ask | 5 Life Insurance Questions You Should Ask
If you're in the market for life insurance, you might have been tempted by those ads claiming, "For just a few dollars a day, you can protect your family with $1 million in life insurance!" It sounds like a great deal, doesn't it? These ads typically refer to term life insuranc... |
acc1c961977a75f1577bd6747d07df30 | https://www.investopedia.com/articles/pf/08/timeshare.asp | Timeshares: Dream Vacation or Money Pit? | Timeshares: Dream Vacation or Money Pit?
Timeshare Ownership Concept
Timeshares are based on the concept of fractional ownership in a property. For example, if you purchase one week at a timeshare condominium each year, you own 1/52nd portion of the unit. If you purchase one month, you own 1/12th of the unit. Other buy... |
ff5ac93dae488f6cf5c9c3ed794cf503 | https://www.investopedia.com/articles/pf/08/trust-basics.asp | Pick the Perfect Trust | Pick the Perfect Trust
A well-crafted estate plan ensures that a person's assets will be smoothly passed on to his or her chosen beneficiaries, after one passes away. The absence of an estate plan can lead to family conflict, higher tax burdens, and exorbitant probate costs. While a simple will is an essential componen... |
6acfe15e6295804c9b37b55d0c204718 | https://www.investopedia.com/articles/pf/08/twenty-five-dollar-investment.asp | Is Investing $25 a Month Worth It? | Is Investing $25 a Month Worth It?
Whenever you move money from your checking account to another account, whether it's an individual retirement account (IRA), or opening a mutual fund, or a savings account, you're making an essential step toward a financially secure future.
But what if you only have $25 a month to inve... |
5906447fc8e62acf0f32fd55082fa6f9 | https://www.investopedia.com/articles/pf/08/what-to-expect-insurance-application.asp | What to Expect When Applying for Life Insurance | What to Expect When Applying for Life Insurance
Life insurance can help ensure that your dependents have the resources they need to replace your income should you die. But how do you go about purchasing coverage? And what can you do to get the best possible rate? Understanding the process for obtaining life insurance c... |
0eddd5a37f50437eadbdcb8c1925aec7 | https://www.investopedia.com/articles/pf/09/avoid-five-recession-risks.asp | 5 Things You Shouldn't Do During a Recession | 5 Things You Shouldn't Do During a Recession
In a sluggish economy or an outright recession, it is best to watch your spending and not take undue risks that could put your financial goals in jeopardy. What happens to the economy during a recession can negatively impact your personal finances and wealth. However, by bei... |
ccde3cee6f4b18777d582b7ca6dd23fb | https://www.investopedia.com/articles/pf/09/business-startup-costs.asp | Business Startup Costs: It’s in the Details | Business Startup Costs: It’s in the Details
There's more to a business than furnishings and office space. Especially in the early stages, startup costs require careful planning and meticulous accounting. Many new businesses neglect this process, relying instead on a flood of customers to keep the operation afloat, usua... |
45b870dcb52ec08b67619079d2ef6f69 | https://www.investopedia.com/articles/pf/09/deciphering-benefits-at-new-job.asp | Employee Benefits: How to Know What to Choose | Employee Benefits: How to Know What to Choose
We've all been there. It's the first day of your new job, and someone hands you a stack of forms to fill out. You need to make all kinds of important employee benefit choices right now, so how in the world do you know which ones to make?
Understanding how the most common em... |
526ee06de16e1ad3eb9538720c0e0572 | https://www.investopedia.com/articles/pf/09/financial-responsibility.asp | The Basics of Financial Responsibility | The Basics of Financial Responsibility
What does it mean to be financially responsible? It's a complex question with a complex answer, but at its core is a simple truth: To be financially responsible, you need to live within your means. And to live within your means, you must spend less than you make.
Credit Cards and ... |
a415941af448322841a6e6016c8dfcb4 | https://www.investopedia.com/articles/pf/09/help-family-members-trouble.asp | 8 Ways to Help Family Members in Financial Trouble | 8 Ways to Help Family Members in Financial Trouble
During times of hardship, one of the first places many people turn for help is to their loved one and family members. Often people fall into financial difficulties if they experience the sudden loss of a job or are impacted by expensive medical bills. Many well-meaning... |
0522d812da8d7268e140b013eedb0fba | https://www.investopedia.com/articles/pf/09/inaccurate-tax-return.asp | Inaccurate Tax Return, Now What? | Inaccurate Tax Return, Now What?
Use caution when selecting your tax preparer. Some aren't always accurate and, according to the Internal Revenue Service (IRS), you are responsible for what's on the return. This means you may have to pay additional taxes and interest or face a penalty.
Fixing inaccurate returns involve... |
59cb0c1b50c44de2fd63c391b4c6f19a | https://www.investopedia.com/articles/pf/09/marriage-killing-money-issues.asp | Top 6 Marriage-Killing Money Issues | Top 6 Marriage-Killing Money Issues
Arguments about money hamper many marriages. If you consider that about a third of adults with partners report that money is a big source of conflict in their relationships, it's no wonder that financial problems are a leading cause of divorce. What you may not know is that the ... |
4f957d513ca8cd3bcf374bd2669f83d7 | https://www.investopedia.com/articles/pf/09/to-lend-or-not-to-lend.asp | Should You Make a Personal Loan to Family? | Should You Make a Personal Loan to Family?
Lending and borrowing money from a bank follows certain procedural guidelines that have evolved over centuries. Meanwhile, personal lending — that is making loans to or taking loans from friends and family — has been going on for just as long, but firm guidelines haven't devel... |
1c27c4e1a401ffc5ba08ec42b103c7d8 | https://www.investopedia.com/articles/pf/09/what-to-consider-before-marrying.asp | 5 (Financial) Things to Consider Before Later-in-Life Marriage | 5 (Financial) Things to Consider Before Later-in-Life Marriage
When two people marry later in life, there are more items to sort through than just wedding gifts. Marriage between two people with longer histories involves important decisions concerning finances, children, assets, housing, retirement, and more. Here are ... |
801c29604b79827a37f7e26f9f6834a4 | https://www.investopedia.com/articles/pf/10/credit-card-debit-card.asp | 10 Reasons to Use Your Credit Card | 10 Reasons to Use Your Credit Card
Responsible Credit Card Uses
Personal finance experts spend a lot of energy trying to prevent us from using credit cards—and with good reason. Many of us use credit cards irresponsibly and end up in debt. However, contrary to popular belief, if you can use the plastic responsibly, you... |
d7b5a8e3bca519e6613724c8f2815848 | https://www.investopedia.com/articles/pf/10/credit-score-factors.asp | The 5 Biggest Factors That Affect Your Credit | The 5 Biggest Factors That Affect Your Credit
A credit score is a number that lenders use to determine the risk of loaning money to a given borrower.
Credit card companies, auto dealers, and mortgage bankers are three types of lenders that will check your credit score before deciding how much they are willing to loan y... |
f2650f9789c543492a60edd1b89cd036 | https://www.investopedia.com/articles/pf/10/middle-class.asp | 6 Signs That You've Made It to the Middle Class | 6 Signs That You've Made It to the Middle Class
Not so long ago, most people viewed the hallmarks of success as something along the lines of a house, a white picket fence, two weeks vacation, two children, and the ability to send those kids to college.
Today, the middle class is a vanishing breed, according to nearly e... |
f4cc6a62788d13535bca2cd122820c62 | https://www.investopedia.com/articles/pf/10/mindless-money-wasters.asp | Top 6 Mindless Money Wasters | Top 6 Mindless Money Wasters
Despite the benefits of putting some money away, most people take a passing interest in actually doing it. If you'd like to make regular saving a part of your life, read on to find out how to conquer the first step: finding that extra money.
You can begin by paying attention to these top mo... |
013e5c3a1e7d35d2806564f1b8ad4174 | https://www.investopedia.com/articles/pf/11/benefits-and-drawbacks-of-internet-banks.asp | Internet Banks: Pros and Cons | Internet Banks: Pros and Cons
Figuring out where to bank starts with a decision about the type of institution you want. Do you prefer a bank with brick-and-mortar branches and its own automated teller machines (ATMs) or an online-only alternative that gives you a purely online or mobile banking experience?
Traditional ... |
9f730278c21c30eb44961170525a0736 | https://www.investopedia.com/articles/pf/12/employess-investors.asp | Employees Vs. Investors | Employees Vs. Investors
The vast majority of us work for somebody else. We rely on our employers to provide a paycheck in exchange for our services. To us, our employers are assets, providing the single largest source of income most of us will ever have.To our employers, we are a liability. The costs associated with em... |
c60254190957ccbb34fb7a3c68153014 | https://www.investopedia.com/articles/pf/12/good-debt-bad-debt.asp | Good Debt vs. Bad Debt: What's the Difference? | Good Debt vs. Bad Debt: What's the Difference?
Good Debt vs. Bad Debt: An Overview
There certainly is an argument to be made that no debt is good debt, but borrowing money and taking on debt is the only way many people can afford to purchase big-ticket items like homes and cars. While such loans usually are justifiable... |
f6294ae98725f380ee779863f712962e | https://www.investopedia.com/articles/pf/12/left-out-of-the-will.asp | What to Do When You're Left out of a Will | What to Do When You're Left out of a Will
Being left out of a will is not a situation most people want to be in. But sometimes when a person dies and their will comes to light, its contents throw survivors for a loop. The will can exclude people who had assumed they would be included, or in some cases, who were told th... |
6149cfaf84af3659782635c800e4ef8f | https://www.investopedia.com/articles/pf/12/set-up-a-trust-fund.asp | How to Set Up a Trust Fund if You're Not Rich | How to Set Up a Trust Fund if You're Not Rich
Trust Funds 101
If you've heard of trust funds but don't know what they are or how they work, you're not alone. Many people know just one key fact about trust funds: they're set up by the wealthy as a way to protect passing on significant sums of money to family, friends, o... |
3613fccb0430d24f0e08bc3d922af47e | https://www.investopedia.com/articles/pf/12/small-business-challenges.asp | 5 Biggest Challenges Facing Your Small Business | 5 Biggest Challenges Facing Your Small Business
Starting a business is a big achievement for many entrepreneurs, but maintaining one is the larger challenge. There are many standard challenges every business faces, whether they are large or small. These include things such as hiring the right people, building a brand, ... |
47708cf8f10ae9318e18c8f089c1d6cf | https://www.investopedia.com/articles/pf/13/calculating-your-tangible-net-worth.asp | How to Calculate Your Tangible Net Worth | How to Calculate Your Tangible Net Worth
Your net worth, quite simply, is the dollar amount of your assets minus all your debts. You can calculate your net worth by subtracting your liabilities (debts) from your assets. If your assets exceed your liabilities, you will have a positive net worth. Conversely, if your liab... |
5e8e9af8427ceb3b39ddf789e98b0b75 | https://www.investopedia.com/articles/pf/13/importance-of-knowing-your-net-worth.asp | Why Knowing Your Net Worth Is Important | Why Knowing Your Net Worth Is Important
Your net worth is the amount by which your assets exceed your liabilities. In simple terms, net worth is the difference between what you own and what you owe. If your assets exceed your liabilities, you have a positive net worth. Conversely, if your liabilities are greater than y... |
2308f36f180033d7c54b0292abd09123 | https://www.investopedia.com/articles/professionaleducation/06/series7options.asp | Tips for Answering Series 7 Options Questions | Tips for Answering Series 7 Options Questions
Acing Series 7 Options Questions
The Series 7 exam, also known as the General Securities Representative Exam (GSRE), is a test all stockbrokers must pass, in order to acquire a license to trade securities. Although this exam covers a broad array of financial topics, quest... |
7bfe76592841b2f78f74fb6172df1dee | https://www.investopedia.com/articles/professionaleducation/07/cfa-charter.asp | So, You Want to Earn Your CFA? | So, You Want to Earn Your CFA?
It's pretty easy to bump into someone in the financial profession who is really excited about entering the chartered financial analyst (CFA) program. Sometimes they know what they are getting into, sometimes they don't. They may have no idea how much time it takes or exactly how having th... |
c2d7be855a5296094870fbcdc6b0489c | https://www.investopedia.com/articles/professionaleducation/07/series6_tips.asp | 6 Proven Tips for Series 6 Success | 6 Proven Tips for Series 6 Success
The Series 6 is a tough exam, especially for those who find it is their first introduction to the world of securities. In this article, we'll give you six additional easy tips on how to approach the information and proven techniques for studying for and taking the test. Let's get star... |
08503cd8bf39610889d698d11aa68f12 | https://www.investopedia.com/articles/professionaleducation/07/series7optionswstocks.asp | More Tips For Series 7 Options Questions | More Tips For Series 7 Options Questions
In Tips For Series 7 Options Questions, we discussed "pure" options strategies. Here, we will focus on the considerable number of questions on the Series 7 exam that test the candidates on strategies involving both options contracts and stock positions.
Key Takeaways Although o... |
6d6781fb76e1faec7da90e639087d63b | https://www.investopedia.com/articles/professionaleducation/07/series_6.asp | Tips For Passing The Series 6 Exam | Tips For Passing The Series 6 Exam
As you begin your study and preparation for the Series 6, be aware of two things:
What securities a Series 6 qualifies a candidate to sell The relative importance of the topics that make up the exam.
Who needs the Series 6?The Financial Industry Regulatory Authority (Formerly NASD's) ... |
33ebd4033e3a026018d7e9291461710f | https://www.investopedia.com/articles/professionaleducation/07/series_7_municipal.asp | Municipal Bond Tips for the Series 7 Exam | Municipal Bond Tips for the Series 7 Exam
Series 7 Municipal Bond Exam Overview
Municipal bond topics typically comprise approximately 15 to 25 questions on the Series 7 exam, also known as the General Securities Representative Exam (GSRE), which is the test all stockbrokers must pass, to trade securities.
Municip... |
0b1831a923427bbbf55f43a7418672a0 | https://www.investopedia.com/articles/professionaleducation/08/alternatives-business-school.asp | MBA Alternatives to Business School | MBA Alternatives to Business School
Obtaining a master of business administration (MBA) is often assumed to be a career-enhancing option for young professionals to learn more about the different functions of an organization (such as marketing, strategy, operations, accounting, finance, and management). For professional... |
95fb48dc533ff2780decb5bcda8afe27 | https://www.investopedia.com/articles/professionaleducation/08/prepare-cfa-exams.asp | Prepare for Your CFA Exams | Prepare for Your CFA Exams
Passing any of the CFA Institute's exams, a requirement to become a Chartered Financial Analyst (CFA), is a very difficult and stressful process.
A CFA exam is not only a test of one's intellect, but also their endurance, diligence, creativity, and will. It is designed in such a way as to dem... |
6939bb569f4ff157634016bd20d1e472 | https://www.investopedia.com/articles/professionaleducation/09/mba-real-costs.asp | The Real Cost of an MBA | The Real Cost of an MBA
Given economic uncertainties, professionals who have been laid off or consider themselves to be underemployed are contemplating whether or not to pursue a Master of Business Administration (MBA) program. While such a route offers potential career flexibility, enhancement and advancement opportun... |
fc0c6b56474ef80f9ff7c5335d9d67d3 | https://www.investopedia.com/articles/professionaleducation/11/accelerated-bachelors-masters-degree.asp | The Benefits of an Accelerated Bachelor's/Master's Degree | The Benefits of an Accelerated Bachelor's/Master's Degree
A master's degree is becoming increasingly valuable when it comes to working your way into a high-paying career, but there's a downside: two more years in school means more lost income and probably more student debt, as well. Accelerated master's degrees save ma... |
e77ba513f53f19fc562cd2af4804401f | https://www.investopedia.com/articles/professionaleducation/11/convincing-work-fund-education.asp | How to Ask Your Employer to Fund Your Education | How to Ask Your Employer to Fund Your Education
Making the decision to go back to school is never easy, especially if you're a full-time employee. That's because there are a lot of sacrifices you'll have to make including giving up your free time and changing your lifestyle. One of the biggest concerns many people have... |
e8437f2bc262e7a1e490b83fcacff09c | https://www.investopedia.com/articles/professionals/011116/internal-auditor-job-description-average-salary.asp | What Internal Auditors Do – And How Much They Make | What Internal Auditors Do – And How Much They Make
Internal auditing is not a high-profile position, but it is a vital part of a company's infrastructure to help ensure smooth operations and compliance with laws and regulations.
As of 2020 (the most recent figures available from PayScale), the job market for internal a... |
914a87d572f31303ac1a0237003cfbcb | https://www.investopedia.com/articles/professionals/011316/controller-career-path-qualifications.asp | How to Become a Controller | How to Become a Controller
For many accountants and accounting students, a company controllership is an attractive career ambition.
Controllers analyze and develop financial information. They are distinguished from traditional accountants by their forward-looking approach. Most accountants record and track current fina... |
dba6c284aa1f37da811dcf97d5f278f7 | https://www.investopedia.com/articles/professionals/040813/stockbroker-career-you.asp | The Definitive Guide to a Career in Brokerage Sales | The Definitive Guide to a Career in Brokerage Sales
If you are interested in finance and think that managing other people’s money may be your bag, then you may be cut out to become a stockbroker. Becoming this type of investment consultant isn't easy, and the process can be quite intense and stressful at times. Still, ... |
b823579f7dee94efac07bcba0964d5b4 | https://www.investopedia.com/articles/professionals/041013/becoming-registered-investment-advisor.asp | Becoming a Registered Investment Advisor | Becoming a Registered Investment Advisor
Those who wish to work as independent financial advisors to individual investors, to manage assets or provide financial counsel, generally need to become a registered investment advisor (RIA). Unlike that of a financial planner—a broader profession, with no legal mandates for tr... |
779011dd114fcc8140a194f66caef616 | https://www.investopedia.com/articles/professionals/041713/what-management-accountants-do.asp | What Management Accountants Do | What Management Accountants Do
What Do Management Accountants Do?
If you like keeping track of a company's income and expenses but also want to hold a position with significant responsibility and authority, management accounting could be the job for you. This article teaches you about the profession of management accou... |
82e169186d12f4b5fe9ff15eabe52640 | https://www.investopedia.com/articles/professionals/042313/getting-your-real-estate-license.asp | Getting Your Real Estate License | Getting Your Real Estate License
Any person who engages in real estate transactions as an agent for another must first obtain a real estate license in the state in which they will work. For the general purpose of protecting consumers, each state has its own rules, regulations, and examination for obtaining a real estat... |
29d82b1de9b22c795b2e31a7ba0caf5e | https://www.investopedia.com/articles/professionals/051713/day-life-cfo.asp | CFO Daily Responsibilities: 3 Case Studies | CFO Daily Responsibilities: 3 Case Studies
Being a chief financial officer means having more than just an advanced knowledge of accounting and financial concepts. It means understanding how an entire company and its industry work so you can help that company to be profitable and competitive. To give you an idea of what... |
a1817e4a7159aff5e0328e4967373b9d | https://www.investopedia.com/articles/professionals/052913/cma-designation-worth-it.asp | Is The CMA Designation Worth It? | Is The CMA Designation Worth It?
The Certified Management Accountant (CMA) professional credential, offered by the Institute of Management Accountants (IMA), is the certification to get if you're in the management accounting profession. While you don't have to become a CMA to work as a management accountant, more than... |
905c590331a6d2041ea874ccf1c3c764 | https://www.investopedia.com/articles/professionals/062613/unexpected-challenges-selfemployed-finance-professionals.asp | 5 Challenges for Self-Employed Finance Professionals | 5 Challenges for Self-Employed Finance Professionals
Self-employment is very nearly a universal goal across most industries. While not practical in fields like commercial aviation or nuclear engineering, it is certainly an option for financial professionals. Many brokers and investment managers understand quite clearly... |
0cff31fca757b840dabcf5d23395dba9 | https://www.investopedia.com/articles/professionals/071415/how-martha-stewart-built-media-empire.asp | How Martha Stewart Built a Media Empire | How Martha Stewart Built a Media Empire
Known to millions as the Queen of Domestic Arts, Martha Stewart is a successful entrepreneur who built a media empire from scratch out of the old adage "there is no place like home." During her pinnacle moments as a prominent media mogul, she found her name among the world's we... |
e131468b3ce10a7c9bd10eb823fc2f53 | https://www.investopedia.com/articles/professionals/071913/scholarships-and-grants-future-financial-advisors.asp | Scholarships And Grants For Future Financial Advisors | Scholarships And Grants For Future Financial Advisors
For those who enjoy assisting people with money management issues, a career as a financial advisor might be an attractive option. However, future financial advisors may need some fiscal help of their own as they figure out how to pay for the education that is needed... |
07ec74cbcc177012e5df0bab1ff61620 | https://www.investopedia.com/articles/professionals/072415/value-or-growth-stocks-which-best.asp | Value or Growth Stocks: Which Is Better? | Value or Growth Stocks: Which Is Better?
Growth stocks are those companies that are considered to have the potential to outperform the overall market over time because of their future potential. Value stocks are classified as companies that are currently trading below what they are really worth and will thus provide a ... |
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