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A bull market is a period of sustained growth, and a bear market is a period of sustained price decline. The specific rubric by which investors and financial experts determine exactly when a bear market or a bull market is happening varies, but the terms are...

Young people should start investing for their future as soon as possible–most likely when they get their first real job. Students working for spending money or living expenses while pursuing a degree may not be in a position to begin saving for retirement. Once you...

Buying a bond is like issuing a loan to a government or corporation. The bond is an agreement to pay you back a specific amount at a specific date and pay you interest (usually biannually) along the way. If Bonds Are Guaranteed Money, Why Invest in Anything Else? The...

Yes–and a credit card is one of the easiest and most affordable ways to build good credit for a couple fundamental reasons: Nearly everyone, including people with bad credit, can qualify for a credit card You can entirely avoid being charged interest, even if the card...

Most parents today recognize how different childhood is in the 2020s compared to childhood when they were growing up. Our ubiquitous connection to the internet and children having access to tablets, smartphones and social media at early ages can shorten their years of...

It depends on the context, your existing credit history and what rates competing lenders are willing to offer you based on your perceived credit risk. For example, there are multiple points at which you can potentially negotiate a lower interest rate on a mortgage....

A 401(k) is a retirement savings plan facilitated by an employer and managed by a third-party financial institution. Employees choose what percentage of their income they want their employer to contribute on their behalf. The money is deducted from the employee’s...

Raising children is a massive expense for most young adults. Current estimates of the cost of raising a child to the age of 18 is roughly $270,000. Luckily, new parents don’t have to shell out that sum of money at the start of their parenting journey. Make Sure Your...

It’s never too early or too late to begin investing – but the sooner you start, the more time you will have to take advantage of compound interest and asset appreciation. You can start putting money away as soon as you turn 18, or even sooner if you’re earning a...

How investments affect your taxes depends on the types of investments you have and what you did with them during the previous tax year. The funds and investments in normal brokerage accounts are treated differently than funds in pre-tax 401(k)s and after-tax Roth...