The clock is running out on I bond’s record-high interest rate. As of Nov. 1, 2022, the current rate of 9.62 percent will drop. But you’ll need to purchase I bonds by Oct. 28 to take advantage of the current rate. Released by the Treasury Department and backed by the federal government, Series I Savings…
Where to Stash Your Investments
October 17, 2022
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By Nellie S. Huang From Kiplinger’s Personal Finance Which investments you hold matters, but so, too, does where you hold them, whether it’s in a tax-advantaged account or a taxable one. The strategy of divvying up your assets into certain types of accounts to lower your tax bill is called asset location. The general advice…
Is an Annuity The Worst Investment a Young Person Can Make?
October 16, 2022
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One of the best things that my mom ever did for me as a young adult was start an investment strategy for me. She wanted to get me started with investing so she set up some investment account with her financial advisor for my benefit. At the time, I was young, clueless and completely indifferent….
What to Do When You Enroll in an Employee Stock Ownership Plan (ESOP)
October 14, 2022
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Depending on your company, your employer may offer different benefits packages and retirement plans. One less familiar type of plan you may encounter is an Employee Stock Ownership Plan (ESOP). If you haven’t dealt with these before, you’ll understandably have some questions when your employer offers you one. Nearly 14 million people in the United…
5 Investments Likely to Thrive in a Downturn
October 12, 2022
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Whether you’re a business owner or concerned about your personal finances, you’ve likely been tuned in to current news about the economic status of the country. There’s been a lot of talk about recessions and at-risk investments in the past few months. Whether we’re in one, about to enter one, or far away from one,…
Family Finances: A Gift That Keeps on Giving
October 9, 2022
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By Emma Patch From Kiplinger’s Personal Finance Jacob Pruitt, president of Fidelity Charitable, the nation’s largest donor-advised fund, offers advice to those considering charitable contributions. Question: For someone who is new to donor-advised funds, what do they do and how do they work? Answer: They’re similar to an investment account. You put money or other…
Investing in Retirement: The 4 Golden Rules
Retiring can feel like an overwhelming change in your life. If you’ve been planning for it properly, money is one thing you don’t have to worry about! However, if you’re nervous about managing your retirement account, know that there are strategies to ensure your retirement savings last. In this article, we’ll go through 4 rules…
Investing in Our Oceans
By Ellen Kennedy From Kiplinger’s Personal Finance Like all investors, those who are focused on sustainability are looking for ways to hedge inflation and deliver long-term value in today’s economy. Two new exchange-traded funds stand out—the first by providing active management in the often-overlooked specialty of ocean health, and the second by investing in futures contracts…
7 Ways Entrepreneurs Can Inject New Capital Into Their Business During a Recession
September 17, 2022
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Recessions are an inevitable part of the market cycle, and there’s no denying that they can be scary for consultants and the businesses they work with. Regardless of the size of the business, a recession can pose a serious financial risk. As consumer spending declines, so too will companies’ revenue and profit. This can create a…
‘Magic Money’ Is Your Money
September 16, 2022
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If you read no further than this first paragraph, in which I ask the rhetorical question, “Who pays?”—that is to say, who pays for the various Biden administration programs, whether it be student debt forgiveness, the Green New Deal, inflation, aid to Ukraine, or pandemic relief payments?—the answer is always the same: you do. If…
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