Personal Finance

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What Students Qualify for Coverdell College Savings Plans?

In a major departure from the Section 529 definition of “qualifying students,” Coverdell qualifying students consist of almost anyone who’s studying anything. You can use distributions from your Coverdell [more…]

Prioritize Repayment of Your Unsecured Debts

Not paying unsecured debts can result in loss of assets. If you cut your budget to the bare bones and still can’t pay all your debts and living expenses, you have to decide what you will pay. Unsecured [more…]

Emotional Risks in an Uncertain Economy

In an uncertain economy, the biggest threat to your financial freedom may be you. When the market went through its painful three-year downturn beginning in 2000, many investors decided to run for the exits [more…]

Assessing Investment Risk in a Coverdell Education Savings Account

Whether you’re investing in stocks or bonds in your Coverdell Education Savings Account (ESA), an element of risk is involved. Here are some points to keep in mind when pondering the level or risk to take [more…]

Get to Know Types of Credit

All credit is not created equal. There are many forms of credit available, and getting familiar with credit types can help you become a better credit consumer. [more…]

529 College Savings Plan Options to Fund Secondary Education

Not all Section 529 college savings plans are alike. Some 529 plans allow only residents of their states to participate, while others open their plans up to everyone. There’s an even larger difference [more…]

Understanding the Difference between a Correction and a Bear Market

In the summer of 2006, precious metals, energy, and other commodities experienced a correction, or a temporary pull-back in their prices. Gee, why say correction? It sure as heck doesn't feel correct [more…]

Facing Age Discrimination in Your Job Search after Retirement

Don't be surprised if you recognize signs of age discrimination as you look for work after you've retired. You do have protections under the Age Discrimination in Employment Act [more…]

How Management Can Cause a Commercial Real Estate Investment to Fail

When you begin your quest for acquiring a commercial property, try to "lead" with a professional property management company — find reputable property management for the type of asset that you're pursuing [more…]

How to Read Candlesticks for Investment Price Charting

In technical analysis for investment trading, candlestick charting displays the price bar in a graphically different way from standard bars. Candlesticks do many other things, as well, such as [more…]

Traditional Investments: Stocks and Bonds

As an investor, you have a variety of options to choose from, including stocks and bonds. The investment you select depends on your financial goals, your investment preferences, and your tolerance for [more…]

Traditional Investments: Mutual Funds, Exchange-Traded Funds, and Annuities

In addition to stocks and bonds, you can choose from a range of traditional investment vehicles, including mutual funds, exchange-traded funds (ETFs), and annuities. Which you choose depends on your financial [more…]

High-End Investments: Futures, Options, and Commodities

If you want to try your hand at high-end investment, you might think about futures, options, and commodities. In some ways, higher-end investments aren’t much different than traditional investments: You [more…]

High-End Investments: Foreign Currency Trading and Hedge Funds

You can put your money in high-end investment vehicles, such as foreign currency trading (or forex) and hedge funds. High-end investing involves not so much investing [more…]

How to Use the SEC as an Investing Resource

Long before you invest your first dollar, get to know the Securities and Exchange Commission (SEC). The SEC exists primarily to protect investors from fraud and other unlawful activity designed to fleece [more…]

What Does an Investment Broker Do?

Many investment options require that you negotiate your trades or buy and sell through a broker. A broker is essentially an intermediary between you and the investing world. Brokers can be organizations [more…]

What Can a Full-Service Investment Broker Do for You?

In a nutshell, full-service brokers are suitable for investors who need some guidance. Full-service brokers are just what the name indicates. They try to provide as many services as possible for investors [more…]

Transacting Your Financial Business through Discount Investment Brokers

Perhaps you've researched investment options and have chosen your preferences among stocks, bonds, treasury issues, funds, futures, and other financial tools. All you want is someone to transact your buy/sell [more…]

Brokerage Firms Offer Accounts According to Creditworthiness

Most brokerage firms offer investors several different types of accounts, each serving a different purpose. The three most common are cash accounts, margin accounts, and option accounts. [more…]

How Do Indexes Measure the Stock Market?

An index is a statistical measure that represents the value of a batch of stocks. Investors use this measure like a barometer to track the overall progress of the market [more…]

How Does the Dow Jones Industrial Average Work?

The most famous stock market barometer is the Dow Jones Industrial Average (DJIA). When someone asks how the market is doing, most investors quote the DJIA [more…]

How Do the Nasdaq Stock Indexes Work?

Nasdaq indexes are similar to other stock indexes in style and structure. The only difference is that, well, Nasdaq indexes cover companies traded on the Nasdaq. The Nasdaq has two indexes [more…]

How Does Standard & Poor’s 500 Index Work?

The Standard & Poor’s 500 (S&P 500) tracks the 500 largest (measured by market value) publicly traded companies. The publishing firm Standard & Poor’s created this index. [more…]

Stock Market Indexes beyond the Most Recognizable Names

In addition to the Dow Jones Industrial Average, Nasdaq, and Standard & Poor’s 500, there are other indexes you can use to track the market. They include the Russell indexes, the Wilshire 5000, Morgan [more…]

How to Invest Based on Stock Market Indexes

With investments based on indexes, you can invest in the general market or a particular industry. Say that you want to invest in the Dow Jones Industrial Average [more…]

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Personal Finance