By Lisa Gerstner From Kiplinger’s Personal Finance Q: I see that U.S. Series I Savings Bonds are currently paying a rate of paying 9.62 percent. How is the interest rate determined? A: The composite rate has two parts: a fixed rate, which remains the same for the life of the bond, and an inflation rate,…
Investing: How to Play a Shifting Economy
September 13, 2022
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By Kim Clark From Kiplinger’s Personal Finance U.S. companies prospered for decades as new markets opened for their goods and labor costs plummeted thanks to overseas production. But now, the pandemic and spreading political and military conflicts have stretched supply chains past the breaking point, prompting companies to bring many operations closer to home, says…
Are Airbnbs More Cost-Effective Than Hotels?
Remember the days when one of the best money-saving travel tips was booking an Airbnb versus a hotel? Not only were nightly rates almost always far cheaper, but the Airbnbs and hosts themselves often shaped up to be the most memorable aspects of a trip. These days, staying at an Airbnb rarely involves big savings…
The SEC versus Ripple Labs—XRP’s Fight Against Administrative Overreach
September 2, 2022
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It’s been nearly 20 months since the Securities and Exchange Commission (SEC) sued Ripple Labs for selling XRP as unregistered securities. John Deaton, who represents Ripple in the SEC vs. Ripple Labs court case battle, believes there’s major evidence of overreach by the SEC. In December 2020, the Ripple case was launched by Jay Clayton,…
Spending: Kiplinger’s Survey of Best Credit Unions
August 29, 2022
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By Lisa Gerstner From Kiplinger’s Personal Finance Here are the credit union medal winners in Kiplinger’s Personal Finance annual survey of the best financial institutions. All three credit unions are open to anyone in the United States. Gold: Alliant Credit Union Where it is: Alliant operates fully online (www.alliantcreditunion.org). How to join: Become a member…
Three Things That Could Kill Crypto
August 26, 2022
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Following the drubbing of the crypto markets in June 2022, with Bitcoin and Ethereum prices down nearly 75 percent and 82 percent, respectively, from their all-time highs, many market observers predicted the early death of the crypto industry. Crypto detractors, including regulators and vested interests in the legacy financial system, each used the rout as…
When Investing in Crypto, Avoid These Scams to Protect Your Portfolio
Cryptocurrency is one of the most popular investments of the past few years. The crypto market is booming, with billions of dollars traded and bought quarterly. However, despite this increase in popularity, the crypto industry is not without its fair share of scams. Coinbase, one of the world’s largest and oldest cryptocurrency exchanges, has come…
A Look at Surging U.S. Rents
August 11, 2022
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Part I of a series Moving to a new city and searching for a place to live can be challenging. Home prices are high, and interest rates are climbing. As a result, many people are turning to rental properties to wait it out. Rental properties are a casualty of high interest rates and skyrocketing home…
Is Investing Based on ESG a Scam?
Investing in Environmental, Social, and Governance (ESG) companies is currently at the forefront of business news. Many brokerage firms are offering products with the ESG criteria. In addition, mutual funds and robo-advisors are also offering ESG products. Some companies are claiming to use ESG practices. However, defining precisely the criteria rating is often ambiguous. What is…
7 Recession-Proof Industries to Protect Your Money
Recessions are part of the business cycle. However, this doesn’t mean they must be painful or destructive to our finances. Many industries hold their own and even thrive during economic downturns. The secret is finding these recession-proof industries. It’s unfortunate, but there’s simply no way around recessions. We all have to go through them. Read on as…
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