How To Invest

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How to Pay College Expenses with Savings Bonds

You may use any sort of U.S. Treasury bonds, notes, and T-bills to pay for college expenses. Only Series EE and Series I savings bonds can be used to pay for postsecondary education costs without having [more…]

When Day Traders Aren't Day Traders

By definition, day traders hold their investment positions for only a single day. This is important for a few reasons: [more…]

How to Avoid Market Volatility in an Uncertain Economy

Volatility is a measure of how much a security rises or falls within a short period of time. Low volatility is best because the greater the volatility, the more difficult it is to achieve your goals. [more…]

How to Keep Cool in a Down Market

Seeing the value of your investments go down can often be emotional, but it’s important that you don’t panic, and stay calm and cool. The markets have produced consistent increases in value over very long [more…]

Understanding the Real Risks behind Commodities

Investing is all about managing the risk involved in generating returns. Have a look at some common risks you face when investing in commodities and some small steps you can take to minimize these risks [more…]

Deciding When to Cash In Your Social Security Retirement Benefits

Social Security taxes cover five categories: retirement, disability, family, survivors, and Medicare. At this time, workers with earnings of less than [more…]

The Dangers of Short-Selling in an Uncertain Economy

Before you start short selling your way to untold fortunes, you should know that short selling is a speculative strategy with significant risks and may not be appropriate for most investors. [more…]

Who's Who in an Annuity

All annuity contracts share the same basic DNA. The following sections describe the participants who have a hand in all the annuities you'll run across. [more…]

Commercial Real Estate Investing Lingo

Commercial real estate investing is all about numbers. In order to evaluate and analyze a commercial real estate investment, you need to know a few important numbers, what they're called, and how to figure [more…]

Investing in Stocks by Term

Are your goals long term or short term? Answering this question is important because individual stocks can be either great or horrible choices, depending on the term. Generally, the term can be short, [more…]

The Types of Federal Student Loans

Four major types of federal loans are available to students or their parents: Stafford Loans, PLUS Loans, Perkins Loans, and Consolidation Loans. Each type of loan is aimed at a different set of people [more…]

I Bond Investments

I bonds are built to buttress inflation. Issued in eight different denominations, from $50 up to $10,000, the I Series bonds offer a fixed rate of return plus an adjustment for rising prices. Every May [more…]

Tried and True Tips on Thriving in Commercial Real Estate Investing

The most beautiful property could be a part of the worst real estate investment you've ever made. Remember that commercial real estate investing is all about the deal, the terms, and the return on investment [more…]

Tax-Deferred Ways to Save for College

Saving money for college (yours or your children’s) is a good thing, even when financial times are tough. Uncle Sam backs up that college-investment philosophy with a variety of savings programs that contain [more…]

How to Increase Returns While Decreasing Risk in an Uncertain Economy

In an uncertain market, the key to managing risk is diversification. By combining different types of investments, you can get the major benefit of diversification: a relatively high rate of growth, with [more…]

Sneaking a Peek at Technical Traders' Secrets

Technical traders come in all stripes (and some are plaid). Go to any technical analysis conference, and you'll meet people ranging from the geeky math whiz to the goal-oriented fund manager to the retired [more…]

Growing Your Money in Bank Savings Accounts

All banks have savings plans where your money can earn interest and be safe. Savings accounts are the most common type of accounts in the U.S. You can open a savings account without a minimum initial deposit [more…]

Anatomy of a Commodities Index

As an investor interested in making money through index investing, you have five commodity indexes at your disposal. Although the composition and structure of every index is different, their aim is the [more…]

Selecting a Broker for Your Personal Finance Transactions

Discount and online brokerages have increased their customer service and added more servers so that customer trades are executed rapidly. Full-service brokers are increasing the capabilities of their Web [more…]

Qualified Education Expenses in Coverdell College Savings Plans

Education expenses that qualify for Coverdell College Savings Plans are those expenses that you’re required to pay if your student enrolls at an eligible school. Eligible schools include all public, private [more…]

Building a Body of Trading Survival Techniques

Trading is not a risk-free activity. Although all traders know that losses are inevitable, they want to minimize those losses and be around to trade another day. But alas, you can enter the world of trading [more…]

The Life Cycle of an Annuity

Technically, every annuity has two phases: accumulationand income. During the accumulation phase, you put money in the annuity account (paying all at once or making a series of payments), and it grows [more…]

Investing in Renewable Energy

While crude oil and natural gas are always in the spotlight, they aren't the only energy commodities you can consider when you want to invest in energy. In the face of global warming and rising oil costs [more…]

Savvy Strategies in a Down Market

Beyond the basics, a smart investor can employ a variety of strategies to cope with adverse market conditions. Give some of these strategies a try: [more…]

Comparing Commercial and Residential Real Estate

Comparing commercial real estate to residential real estate is like comparing apples to oranges. Both are from the same genre, but that is where the similarities end. The following are general descriptions [more…]


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