Investing News

What Are Currency Regimes? A history of currency regimes, or exchange-rate regimes, is, by necessity, one of international trade and investment and the efforts to make them successful. Sovereign debt levels and gross domestic product (GDP) figure importantly as well in the degree of a currency’s volatility. An exchange rate is simply the price of

It is important for options traders to understand the complexity that surrounds options. Knowing the anatomy of options allows traders to use sound judgment, and it provides them more choices for executing trades. The Greeks An option’s value has several elements that go hand-in-hand with the “Greeks”: The price of the underlying security Expiration time Implied volatility The

Cryptocurrency is a unique financial instrument that enables anyone with an internet connection to participate in a distributed economy. That includes opportunities to earn passive income. There are unique risks associated with investing and earning with cryptocurrency, even though it may seem like a bank account or social lending platform. Here’s a closer look at

If you cannot keep up with your mortgage payments, the prospect of foreclosure—and with it losing your home—can be daunting. Still, foreclosure is a rigorous legal process, and you have certain rights based on state law along with the mortgage documents you signed. Knowing your rights can help you navigate the foreclosure process as smoothly

As your child moves toward adulthood, you face several milestone decisions that involve, in part, a desire to help your child become more independent and responsible. But one milestone for your child that you may not anticipate—even though it will be part of their growing-up experience—is filing that first income tax return. Key Takeaways Children generally

Having a reverse mortgage can sound like a dream come true. Instead of making monthly payments to your mortgage lender, your mortgage lender sends you money, which you can use for whatever expenses you wish. To repay the mortgage, your heirs can simply sell the home after your death.  However, there are circumstances in which

The Federal Housing Administration (FHA) is the federal agency that insures many reverse mortgages. Here is how FHA reverse mortgage loans work. Key Takeaways The Federal Housing Administration (FHA) insures the most common type of reverse mortgage, known as a home equity conversion mortgage (HECM). HECMs are offered only through FHA-approved lenders. Borrowers who meet

The crypto community is celebrating the coming of Ethereum 2.0, however, there are also concerns for miners. Since Ethereum has switched to a proof-of-stake model, mining Ether will no longer be necessary. Due to this, mining machinery will become obsolete, leaving miners with fewer options.  Key Takeaways Ethereum merge is the transition from proof-of-work consensus

In a Sept. 8, 2022 report titled, “Climate and Energy Implications of Crypto-Assets in the United States,” the White House Office of Science and Technology Policy (OSTP) called for more research on the energy impact of crypto mining, the process that generates cryptocurrency. The report is a 46-page response to President Biden’s March 9, 2022,

High-income earners can’t contribute directly to a Roth IRA. But thanks to a tax loophole, they can still make contributions indirectly. If you qualify to take advantage of this tax loophole, you should. The government clearly sanctioned the practice of contributing to a Roth in a roundabout way. If you take advantage and maximize your

Series 63 vs. Series 65 vs. Series 66: An Overview  When a person is preparing to enter the world of investment professionals, they must take—and pass—qualification examinations. Often before the individual is prepared to fully function in their profession, there are multiple examinations that must be successfully negotiated. Once the prospective registered representative has passed

Software provider Adobe Inc. (ADBE) has entered into definitive merger agreement with web-first collaborative design platform Figma. Adobe will pay approximately $20 billion in stock and cash, as announced on Sept. 15, 2022. This is another big tech merger unveiled in 2022, following Microsoft Corporation’s (MSFT) acquisition of Activision Blizzard, Inc. (ATVI) and Broadcom Inc.’s

With Ethereum’s recent overhaul, called “The Ethereum Merge,” developers are looking to mitigate the excessive energy consumption involved in mining cryptocurrencies. The new version of Ethereum, Ethereum 2.0, promises reduced energy use, faster transactions, and lower gas, or transaction, fees. What are the chances of Ethereum 2.0 actually delivering on its promises? Ethereum 2.0 and the

Mortgage rates largely wavered Wednesday, after many averages bolted to new highs the day before. The 30-year average is now in the mid 6% range and at its highest level since the fall of 2008. Today’s National Mortgage Rate Averages The 30-year mortgage average held close Wednesday to the elevated range it hit Tuesday, when

The health care cost of pregnancy and childbirth in the U.S. can easily top $10,000, however you may be able to take steps to try to lower your bill. You may be able to negotiate your medical bills with providers or established a pay plan. But there are limits on how you can lower your

With the difficulties new college graduates face repaying student loan debt–now a cumulative $1.7 trillion in the United States–many are questioning whether the cost of higher education is worth the potential reward of higher income. After all, two of the richest men in America, Mark Zuckerberg and Bill Gates, did not hold college degrees. While

The rise of central government debt loads around the world has gotten investors obsessing once more over the risk of sovereign default, fearing a replay of the 2007-08 financial crisis, the 2009-2011 eurozone debt crisis, and the ensuing return of a global recession. While sovereign defaults—in which a nation can’t pay its bills or debt

Individual retirement accounts (IRAs) are a vital part of retirement savings plans in the U.S. The average IRA balance depends on the account holder’s age and the number of years they’ve been making contributions. Statistics show that individuals under the age of 25 have about $11,000 put away in an IRA while people over the

Three American cannabis stocks—Curaleaf Holdings (CURLF), Cresco Labs (CRLBF), and Harvest Health & Recreation (HRVSF)—have significant upside as the current legal marijuana market is expected to mature into a $40 billion market. Considering a number of significant factors, the stocks of these multi-state operators (MSOs) are selling at attractive valuations making them well positioned to outperform

On May 28, 2021, the Biden administration formally announced its proposed federal budget for fiscal year (FY) 2022. The budget proposal is the product of work undertaken throughout the executive branch under the direction of the White House Office of Management and Budget (OMB) to determine the financial requirements for running the government. It covers