Investing News

When you take out a certificate of deposit (CD), you agree to leave your money in the bank for a set period of time. When the term of the CD ends, the bank will release the money to you, along with the interest it earned. This is known as the CD maturing. When your CD

When it comes to managing your money, keeping large amounts of cash on you at all times isn’t generally considered wise. About 95% of American households include at least one person with a bank account, according to the Federal Deposit Insurance Corporation (FDIC). Though they are just two of the possible account types offered by

Certificates of deposit (CDs) provide a way for consumers to make a little more interest on their savings than they can get by keeping their money in a standard savings account. The customer is promising not to withdraw the money for a specific period of time. The longer the time period, the higher the interest

Certificates of deposit, or CDs, have become such a familiar financial product that it may seem like they’ve been around forever. They actually date back to the early 19th century in the United States, although their roots go back much farther. Key Insights Banks in the U.S. have been issuing certificates of deposit since the

A Roth IRA is a tax-advantaged retirement savings vehicle that allows for tax-free withdrawals if certain conditions are satisfied. A Roth IRA forms an integral part of many investors’ retirement planning, but they are not available for everyone. If you earn too much in a year, you will not be able to make contributions to

Is buying a house near an airport advisable? Suppose your real estate agent shows you a property that is virtually perfect in all other aspects. Does all that good outweigh the one bad point? And, really, is it a negative at all? Of course, any home purchase is inevitably fraught with questions. To help ensure

When contemplating an investment, few questions are as important as “What is your time horizon?” The answer can help you decide what type of investment vehicle you should consider, which investments to avoid, and how long to hold your investment before selling. It is important to note that the passage of the Setting Every Community Up

When it comes to your retirement accounts, comparing how much you have saved with the national average can help you benchmark your savings. For most employees, an employer-sponsored 401(k) account is a significant piece of their retirement planning. Knowing how the balance in your 401(k) stacks up against the averages for your age range may

Cars are indispensable for most of us who don’t live in New York City. While it’s common knowledge that car expenses traditionally rival only dwelling expenses in the standard household budget, is it true that cars have gotten correspondingly more expensive over the years? Henry Ford achieved business immortality by democratizing the car. Of his

Operating margin and EBITDA are two measures of a company’s profitability. They are related but provide investors and analysts with different insights into the financial health of a company.  Operating margin, which is expressed as a percentage, is a measure of the revenue left over after accounting for expenses. It is the amount of profit that a

Inflation can have a negative impact on fixed-income assets when it results in higher interest rates. Central banks, like the U.S. Federal Reserve, typically have inflation targets. When inflation begins to exceed the desired threshold, officials will increase interest rates. Since the interest payments from existing fixed-income assets become less competitive relative to newer higher

An asset-protection trust can help seniors in need of constant nursing care pay the substantial costs of assisted living or skilled nursing facilities and at-home help. Average daily nursing home costs can exceed $297 and can be significantly higher in certain metropolitan areas, according to a 2021 Genworth survey. Medicare, the federal health care program

Bonds and interest rates have an inverse correlation: as interest rates increase, bond prices fall. However, the more the Federal Reserve hikes interest rates, the better news potentially for municipal bond investors. Municipal bonds (or “munis”), long touted as among the safest, most tax-efficient debt investments available, were hit hard in the wake of the

Free on Board Shipping Point vs. Free on Board Destination: An Overview International commercial laws have been in place for decades and were established to standardize the rules and regulations surrounding the shipment and transportation of goods. Having special contracts in place has been important because international trade can be complicated and because trade laws

The principle behind life insurance is simple, in theory. It’s also morbid, at least compared to other financial services. You pay small amounts at monthly intervals, so that when you die, a beneficiary of your choice gets a sum of money approximating what you would have earned had you stayed alive. That’s the stark truth

Investors’ demand for exchange-traded funds (ETFs) continues to grow. ETFs are a cost-effective way for novice investors to begin investing in the stock market and they remain a great diversification tool for experienced investors. The attraction of ETFs is owed to their lower fees, as well as the lower risks they provide through broad diversification.

Individual investors have continued to surge into the market in 2021, with the pandemic playing a key role in giving people the time to take control of their portfolios. Comparing costs has become less straightforward, however, as most online brokers have eliminated the trading fees that were the easiest method of direct comparison. To evaluate

Selecting the best brokers for international trading ultimately comes down to who has the most products in the most markets, but we also judge the best international trading platforms in terms of their quality and tools. Interactive Brokers (IBKR) emerges once again as the overall winner with the best online broker for international trading and

Our best brokerage accounts for beginners have features that help new investors learn as they begin their investing journey. The best trading platforms for beginners were selected based on top-notch educational resources, easy navigation, clear commission and pricing structures, portfolio construction tools, and a high level of customer service. Some online brokers for beginners also

If you’re an investor in real estate, especially in a large metropolitan area, you might have considered opening your rentals to Section 8 tenants. This federal program assists those with low incomes to find housing by subsidizing a portion of their monthly rent. As a landlord, there are pros and cons to accepting housing vouchers.