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A short course of lectures
«The handy investing answer book»

If I can't use ROI analysis to decide whether or not to engage in a social media campaign, how can I analyze the effectiveness of the campaign?What is an "initial public offering" (IPO)?What is the "Upper Average"?How much money may I borrow under the Stafford Loan Program?If I own a home-based business or a business that requires me to maintain a home office, may I deduct expenses related to this office?What is another key behavior that will help me in my retirement years?Do I have the right to appeal my city tax assessment?How much is tuition increasing?Which states have flat-rate income taxes?What is the problem with speculating?How do I purchase shares in an ETF?What is a "Price/Earnings" Ratio?Where else might I find palladium being used?What are typical cash outlays I should consider when owning a second home?What are the main markets that make up our economic system?Should I actually purchase the shares of these companies, or just monitor the prices of the shares, and show these price movements hypothetically?Why is location so important?What is a "mutual fund"?Are declines in prices also bad?RETIREMENT TAXES How do I purchase a company's shares directly from the company, rather than using a broker?How many U.S. homes received foreclosure filings in 2010?Why are permanent life insurance policies relatively more expensive?How will the use of software help individual investors to analyze their portfolios?Are there any income restrictions for a 529 Plan?Are municipal bonds a safe form of investing?How can I calculate how much credit card debt I can afford?Why is Return on Investment an essential measurement standard for businesses?What is the Federal Deposit Insurance Corporation (FDIC)?What is the hidden cost of debt to an individual investor?Can anyone advise me on trading commodity futures?What is the typical organization of a fund?Why should I avoid investments with "guaranteed returns"?What is a "short position"?What are "socially responsible investments"?Can I deduct expenses related to my investment income?What is the future of sustainable investing (investing in businesses that take into account social factors, clean energy, and corporate governance)?Why do people dislike online banks?What is "laddering"?When did Real Estate Investment Trusts begin?What percentage of undergraduates receive any type of financial aid to attend universities or colleges in America?Why else should I buy a house?What percentage of mutual fund assets are typically invested in cash by American families?What is the main purpose of life stage investments?What is the most important consideration before deciding to invest?What percentage of Americans saw their house equity decline from 2006 to 2009?Can I deduct capital losses?Who is buying and selling art?What if my potential financial planner will not work with me because my portfolio is too small?BUDGETING What is a "health savings account"?What are "money market funds"?What do experts at Kiplinger's say is the best approach to teach children about investing?What other risks are inherent to individual stock or mutual fund investing?What are some of the most important things you can do to prepare your home for sale?How do I generally decide on what issues to focus when managing a small business?NO-LOAD AND LOADED MUTUAL FUNDSWhat is a "ticker symbol"?What is a participant-directed 401 (k) plan?What are some other differences between closed-ended funds and ETFs?What can I learn about my investment behavior, depending on my time horizon?So should I steer away from considering commission-based financial planners?Why do account holders put their accounts in overdraft situations?What can I do to mitigate this inflationary risk?Why are small businesses so important to the U.S. economy?Which states lead the nation in mortgage-related fraud?What is an "open-ended fund"?What is the Uniform Transfers to Minors Act (UTMA)?What is "permanent life insurance"?What does Warren Buffett think about teaching children about investing?REAL ESTATEWhat are some tips experts at Kiplinger's suggest for reinforcing saving concepts with young children?Why do some experts believe owning a second home may not be a relatively good investment?Why do individual investors like to invest in socially responsible forms of investing?Are corporate bonds risky?How has the Bureau of Labor Statistics revised its calculations, given the changes in methodology, to arrive at the CPI figures we see today?STARTING A BUSINESS What are some of the greatest declines of the Dow during a bear market?Why are dwelling coverage limits tricky?What is "total return"?Do I have to pay taxes on my 401 (k) account?What is a "credit union"?Why are tax-cost ratios important to our understanding of mutual fund expense loads?Why are these indicators so important to the general understanding of financial markets?Isn't my money still at risk if it is invested in cash?How can I use this information when purchasing a home?What does being "long" or "short" in commodity futures trading mean?In what types of commercial properties might a REIT invest?How much money does the IRS figure it loses each year because of incorrect filings of deductions and expenses related to small businesses that are, in fact, only hobbies?INDIVIDUAL STOCKSHow does the CFTC protect participants from fraud and abuse?What is the SBA CAPIines Program?How will mutual fund companies cut costs, in order to compete with ETFs and offer more lower-cost investment products?What are two main concerns that investors must consider before investing in any real estate deal?Why do some parents spend more time discussing financial matters with their children?In what investment vehicles do life/health insurance companies readily invest?What does "living within your means" mean?What percentage of small businesses in the United States are actually home-based businesses?What is "marking to market"?How do I check the credibility of a debt consolidation company?What is an "S" corporation?Is your money safe in bonds?How can I protect myself from fraud?How many different financial planning certifications exist?Why should I get in the habit of paying myself first?How is beta calculated?If the target company has no debt, isn't an investment in equity less risky?What are the interest rates for these subsidized and unsubsidized loans?What is a "blue chip stock"?Will the growth of ETFs and index funds replace actively managed mutual funds?What else affects the price of a stock?How often do sellers reduce their prices?What states have no sales tax?How well has the second home market performed in recent years?Are small business owners happy with their credit card terms (interest rate, fees, credit limits)?What is "correlation"?What is a "cost basis"?How can I use comps to negotiate a better house price?What is an adjustable-rate mortgage (ARM)?What is the median age of the owner of mutual fund shares?How has SRI generally changed other areas of investing?By 2015, how big will the value of the market for ETFs be?What are some guidelines for creating a business, according to the IRS?What are some limiting factors in using risk/reward ratios?Why is risk a standard deviation?What is the best order of priority to pay off credit card debt?What drives the trends in commodity prices?How many credit unions are in the United States?What is a "cyclical investment"?My financial adviser mentioned that he is a fiduciary. What does this mean?What percentage of corporate-sponsored 401(k) plans include REITs as an investment option?What impact does the Federal Reserve (the "Fed") have on bonds and equity investments?What is a "Chartered Financial Consultant" (ChFC)?What is the midpoint, or median net worth, of families in America?What types of insurance do I need if I operate a home-based business?What are some benefits of investing in multi-family apartments?What is a hidden cost involved in second home ownership?How much real estate value disappeared during the decline of 2006 to 2010?What are the statutory amounts?How does the Internet contribute to the prevalence of fraud within the investment community?Must I pay taxes on earnings from my investments?With today's paltry interest rates, will it not be hard for a child to see his money grow, even if he looks at a physical or online statement from a bank?What are some differences between a unit investment trust and an open-ended fund?What is a "secured bond"?What is "staging"?FINANCIAL PLANNERS Do I have to select a 529 Plan in the state in which I live?What is a "sales tax"?INVESTING IN CASHIs purchasing an insurance policy ever a good investment?How long does it take for a home to be foreclosed?What types of events may qualify as "immediate and heavy financial needs"?Should I include gold as part of my investment portfolio in the form of mutual funds?What are "cyclical stocks"?Why else is cash important to my portfolio as an individual investor?What about mutual funds?What is the vacancy rate for rental housing in the United States?Why is it important to have a thoughtful exit strategy before I invest in a small company?How much money do banks and credit unions earn from overdraft fees?How big is the SPDR Gold Shares ETF?What are "government bonds"?Who sells art?What are some downsides to investing in commercial real estate, especially urban development projects?What effect do the unemployed have on the self-employed?How can I check the disciplinary history of a potential financial adviser?What types of risk exist?What about the analysis of the stock itself?What are some important points to know when I invest in stocks?What is the difference between a financial planner and an investment adviser?Why were these machines called Stock Ticker Machines?What do the rankings of online brokerage firms really mean?What is another form of sustainable or socially responsible investing?How can I compare the interest rates of different banks?What are some of the key organizations that generate influential economic research?When did mutual funds start?THE FUTUREHow do I compute the total return?What influences my ability to save?Should I ask my friends for referrals when identifying a potential planner?After I have identified the names of the companies my child might be interested in acquiring, what is the next step?How do I begin to set my investment goals?Why is the allocation or mix of my investments so important to me as I near retirement?When were the first mutual funds started in the United States?How are Series EE Savings Bonds similar to Series I Savings Bonds?What other services do banks provide?What does insider trading tell me as an investor?How many different types of IRAs exist?What is the biggest difference between a prepaid tuition plan and a college savings plan?What is an "unsecured bond"?What are some other post-retirement benefits?How much money is managed by mutual funds?Where do the highest and lowest number of high net worth individuals live?What are some typical allocations of investment portfolios as we near retirement?How do I find out if I have been delinquent in paying for my state taxes in previous years?Using principles of behavioral economics, how do men and women differ when it comes to investing?How can I find out how much house I can afford?Why should I read a mutual fund's prospectus?How much may I contribute to a 529 Plan?How many initial public offerings occur in a year?What are some important variables I may use when comparing the quality of different bond investments?What percentage of employees know about investing in their 401 (k) program at work?What is one of the most important lessons I need to teach my children for them to incorporate investing ideas into their own lives?Who are the financial information seekers online?How many of them are actually certified?What about the success of high-performing mutual funds?What types of factors affect my ability to execute a trade when I want?How do I know if a potential investment is fraudulent?Why is it important to teach children about risk and reward when they begin to learn about investing?What are some of the most U.S. important markets for futures and options trading?What is the Dow Jones Industrial Average (the"Dow"or"DJIA")?Where can I find information to analyze a potential target company?What should I look for in deciding which homeowners' insurance company to use?How large is the IPO market at the NYSE?What state has the highest sales tax?What are general guidelines for down payments?What are some other activities parents can do with their young children in order to teach them the value of money and investing concepts?Must I have personal financial software in order to be successful at managing my financial goals?What are the two different categories of municipal securities in which I may invest?INVESTING IN A SMALL BUSINESSWhat percentage of small businesses are home-based businesses?What are some disadvantages to investing in a single-family house for rental purposes?INVESTING AND TAXES What are the two principal ways to acquire a private company?What does the phrase "living beneath your means" mean?What does the expression "priced to sell" mean?How much has the cost of a higher education increased?How much must I accumulate in order to be considered wealthy?Why do experts at feel that opening UTMA accounts may not be such a great idea?BUSINESS INSURANCE What are the biggest mistakes people make when using an adviser?How do start-up businesses engaged in franchise activities use credit?What percentage of online economic users use the Internet to find information on their homes' value?How do I begin to save for retirement?What are some fraudulent websites that purport to trade in futures and options?In the period 2008-2010, how many funds that SPIVA tracks either liquidated or were merged?Are U.S. government bonds safe?Why are there fewer potential buyers for houses today?Why is EBITDA sometimes perceived as an unreliable metric to evaluate a company?As an investor or owner of a small business, why does proper management help me increase the return on my investment?What is an "educational grant"?What is the threshold interest rate that seems to signal a decline in the broad stock market?How do companies use an initial public offering to help support their continued growth?What is the median number of mutual funds an individual owns?Even before I establish goals, what are some things that experts believe help prepare me financially for successful investing?When must the homeowner pay back a reverse mortgage?What about bond interest rates?What are some typical family budget categories?What is a "premium"?Can I work anywhere in a work-study program?What is a "529 Plan"?What does the CFTC recommend I do to limit my exposure to fraud?What is "campus-based aid"?Who uses FHA mortgages?What other considerations exist when attempting to choose the right mutual fund?What is the success record of the FDIC?Are investment advisers or financial planners required to have credentials or certifications?What is a front-end ratio?What is the difference between stockbrokers, accountants, and insurance brokers?What must an investor first consider before deciding to invest in a small, privately held company?Why should I invest my money?What are some of the newest entries in the Dow?Why use credit cards?What percentage of card holders are more than 60 days delinquent on their credit cards?How do I compute a company's free cash flow?What is the Mei Moses Art Index?How important is the DJIA to the investment community?What are some factors the IRS considers when allowing for certain types of expenses and deductions associated with a business?What types of bonds exist?What about interest rates and their effect on housing prices?Is my money safe in a credit union?What are the most important components to my retirement income that will allow me to enjoy a good retirement?What is a "margin account"?Who uses the CPI?What are some future trends that we can see in the mutual fund business?What other insights does the Vanguard study show about investor attitudes?What are "Small Business Administration loans"?What are "growth stocks"?Where else might I invest in precious metals?If I walk away from the deal before closing on a house, won't I be penalized?What about great deals on newly created subdivisions?So wealth creation is really about my thoughts?How does a mutual fund make money?Which stock market opens first?Why are there so many questions on the FAFSA application?What is The National Association of Personal Financial Advisors (NAPFA), and why is it an important resource when choosing a financial planner?What percentage of world gold sales comes by way of investments?If I have a much lower interest rate for my old credit card debt, by using the equity I have in my home, what else could be wrong with debt consolidation?What percentage of all online economic users feel they have learned something about our financial crisis?What is a "Certified Financial Planner" (CFP)?Why use a debt-to-income ratio?What are typical cash outflows in a commercial real estate investment?How many people use the Internet to find economic or financial information?How is the Dow important to our understanding of the activity and performance of blue chip stocks?What effect did the 2013 government shutdown have on the U.S. economy?How do I compute a company's EBIT?What is the trouble with debt consolidators?CLOSED-ENDED MUTUAL FUNDS What are some considerations I should think about before investing in real estate?How can I get out of debt?Why is purchasing your employer's stock a risky investment?What is "contents insurance"?What other benefits do institutional investors have?What will the former owner of the company typically do with the cash received from the transaction?Why do stocks and mutual funds have different betas?What is the minimum amount I need to open a credit union account?Why is affordability important when it comes to selecting a home?THE INVESTOR MINDSETWhat percentage of a typical person's retirement plans is in mutual funds?How do I easily calculate return on investment?What is the out-of-pocket method to calculate a return on investment in real estate?What else is included in a disclosure statement?How should I choose a lender?What are other names for commercial real estate?What percentage of mutual fund assets is typically invested in each mutual fund category by American families?Can I pay too much for stocks?What is the average amount of credit card debt for a typical American family?What was the highest interest rate for U.S.Treasury Bills?Why would I need business insurance?What are "no-load mutual funds"?Why do mortgage companies, banks, and finance companies require homeowner's insurance?What is the average percentage of a typical American's gross income that is used for mortgage and consumer debt payments each month?Why is it important to be preapproved for a loan?UNDERSTANDING FINANCIAL MARKETS Which performs better, stocks or bonds?According to the Visa International Financial Literacy Barometer 2012 survey how do Americans rank when it comes to financial literacy?What is an "option"?Which companies have been recently removed from the Index?THE BASICSHow many people risk home foreclosure?How do I compute my return on investment?How else can I teach my child about money?Why would someone want to own a C corporation?Do life cycle funds deliver appropriate returns to investors who are trying to invest for their retirement?What are four reasons why long-term investing may be diminishing?Why use a credit union?What is a "limit order"?PRICE/EARNINGS RATIOS AND OTHER CALCULATIONSHow much income do I really need for my retirement?What is a "mortgage"?What types of deductions will the IRS not allow on IRS Form 1040, Schedule A?What does the term "irrevocable" mean?How often should I check or analyze my portfolio to make sure it is properly allocated?What is a "Price-to-Book Ratio"?Why else should I use a human broker instead of an online broker?What does the Securities and Exchange Commission recommend investors do when considering investments in mutual funds?What financial topics are older children most interested in discussing with their parents?OWNING VERSUS RENTINGDoes commercial real estate fall into many sub-categories?What are "comparables"?What is "concentration"?What is "unsystematic risk"?Can I be overinsured on my homeowners' policy?How long should I hold an investment?What is Morningstar?What is a sole proprietorship?What is the difference between fees charged by credit unions and fees charged by banks?What kind of research do I need to do before investing?Why do we invest in bonds?What are some important stock market indexes that I should consider when I am investing, and why?What IRS form do I use to report dividend income from my investments?How do I compare expenses of mutual funds?CORPORATE BONDS What federal filings must corporations file?What are the different ways to invest in gold?Who picks which stocks are components of the Dow?What are some examples of typical cash investments?What is "curb appeal"?How many small businesses exist in the United States?What countries are having major debt problems, making investments there relatively riskier?What is a trend in the use of social networking in the individual investing industry?What is the first step to accumulate wealth and savings?How popular is the use of online banks?How many index funds exist?What is the general rule for obtaining a home loan?What percentage of high-net-worth individuals invest in fine collectible art?What percentage of employees actively trade or manage their retirement funds?How volatile are the returns generated by art as an investment?How do I know the terms and rules for a CD?PRIVATE EQUITYWho are these business creators?LOCAL TAXES INVESTING RISKSInto what three groups can we categorize children who actually own stock?What are some other considerations when I try to identify individual equity target companies?How many states impose a state tax on capital gains?When must I begin to withdraw money from my 401 (k)?MANAGING DEBT DIFFERENCES BETWEEN TYPES OF MUTUAL FUNDSWhat is another popular approach to investing?How much of an increase in the average price of stocks must occur in order to declare a bull market?When it comes to dividends that I may earn, how do I determine what taxes to pay?What are some important points to consider before investing in a mutual fund?What about cash flow and real estate deals?What are four steps we can take to introduce investing concepts to children?When should I rebalance my portfolio?How much did the Dow fall at the onset of the Great Depression?How do mutual funds justify high fees and expenses?How many people have money saved in credit unions? Eighty-two million people regularly use credit unions to save.According to the SEC, what types of questions should I ask when trying to decide which broker to choose?What are some notable ETFs?How does creating specific investment goals help me achieve my overall goals?How does a company become classified as a real estate investment trust in the United States?Why are business loans increasing?RISK/REWARD What else can affect the price of gold?What are some early steps I should consider before starting my own business?What are tax-free or tax-exempt bonds?What are some of the most important investment types?What are some common mistakes investors make when thinking of buying stocks?What are some other mistakes that investors make?What actions of the Federal Housing Administration (FHA) will affect the housing market in 2014?What types of mutual funds exist?What are some important IRS forms that I should know when I am managing the tax implications of my investments?What if I find a financial planner who says his clients make huge returns on their investments?What are some other findings from the Dough Main study?After a market correction, what attitudes of individual investors seem to be apparent?What is the first rule of using credit cards?What is an "FHA mortgage"?Why should I consider using a moderate portfolio allocation for my retirement investments?SMALL BUSINESS TAXESWhat is the average five-year cumulative default rate for investment-grade municipal bonds?Why is this a good time to consider investing in real estate?What is the "net investment income tax"?What is a "collective investment fund vehicle"?What is a "virtual bank"?How successfully do small businesses create jobs?What are "blended funds"?What is an "asset allocation strategy"?How does a mutual fund work?How many people own mutual funds?What is the "USSIF"?What other assumptions does the rent versus own calculator make that we should consider?At different ages, what should I do to help fund my retirement and other savings goals, such as acquiring my first house, car, etc.?In what investments do life stage funds typically invest my money?What is the oldest company in the Dow?What percentage of real estate investment trusts are equity REITs, and what percentage are mortgage REITs?What is "gearing," or "leverage"?What other local taxes are deductible?What are some strategies to reduce my tax burden when I retire?INVESTING IN ARTWhat should I do if my broker suggests an exotic investment?What is a partnership?What is an "inspection"?What is "dollar cost averaging"?How can potential investors evaluate risks?How do I begin to select individual stocks that would interest a child?If interest rates increase, does this harm bank stocks and financial sector stocks?Why is location so important for rental investments?What does FINRA recommend that I do in order to begin investing?How important is experience in identifying a financial planner?What is "professional liability insurance"?What is the "KLD 400 Social Index"?What are some differences between investing in a rental home and investing in a rental apartment complex?What are some important dynamics of investing in a business that every investor should consider before making the investment?INSURANCEWhy do many small business owners struggle with financial management of their business, or pay little or no attention to it?FUTURES AND OPTIONS SECOND HOMES What are the best credit cards?What percentage of people think "financial advisers" employed at a brokerage firm to sell are held to a fiduciary standard?What is a "bear market"?What factors do I need to contemplate when planning for different stages in my investing life?Even given the many choices of online brokerages, how do we decide which firm is best to use?How will the use of benchmarks change how individual investors perceive their financial goals and objectives in the future?What is "EBIT"?Under what circumstance could I pay more than a 20% capital gains tax?Why is longevity risk an important consideration when I consider the asset allocation of my retirement portfolio?What other types of special orders may help investors when executing trades?What are some great financial sites that investment insiders use?Why do so many older Americans start businesses?TAXESWhat is a "reverse mortgage"?Who guarantees these short-term loans?What is an "appraisal"?How much debt can I afford?What is an "Education IRA"?What is the difference between a debit card and a credit card?TEACHING CHILDREN ABOUT INVESTINGWhat percent of Americans who are saving for retirement do not understand their investment choices?What is a "reverse stock split"?What types of 529 Plans are available?How many people are employed in the investment company business?What percentage of people have less than a three-month expense cushion?How long must I pay for mortgage insurance with an FHA loan?Does the stock market ever close?Why do experts suggest using online investing brokers?Why should my goals be easily manageable?What are some steps to establishing the right goals for investing?What are some common myths or beliefs that limit what I may earn as an investor?What is the biggest component of demand for gold?What is "real estate development"?What are some important steps to take when considering investing in a closed-ended fund?How many individual stocks must I own to have enough diversification against unsystematic risk?Where is the least expensive place to rent in the United States?What is a "turnover rate"?What are "capital gains"?How does technical analysis work?What are some basic assumptions employed when using technical analysis?How can I use beta analysis to help in my investment selection?What is the average number of cards owned by each person?Can a fund claim to be "no load," and yet still charge a load to investors?What other special orders can investors use to help secure a certain price or limit a potential loss?What is a "bull market"?What are the steps involved to get a mortgage?What doesn't the FDIC insure?What are the most important rules to follow when buying a house?How do companies use the proceeds of a stock issue?What is "fundamental analysis"?What is a benefit to me when I retire?How has the age of retirement changed over time?Can I deduct expenses to offset taxes if I own my own company?Should I ask the potential financial planner what services he offers?What about high-income taxpayers who earn short- or long-term capital gains? Are there additional considerations?What is an "asset income multiple"?How much do American credit union members benefit from higher savings interest rates, lower interest rates on loans, and other lower fees?Are there certain investments that provide tax exemptions on gains at the state level?What is "timing the market"?BANKS AND CREDIT UNIONS Why are real estate analysts cited by The Wall Street Journal worried for small college town rental property owners?UNIT INVESTMENT TRUSTS What is "shadow inventory"?How do I know which bond investments are riskier than others?What is a "loss"?What is the S&P/Case-Shiller Home Price Index?What types of financial signs should I investigate?What types of specific regulations guide the establishment of a money market fund?How is beta analysis misused or misinterpreted?Do I have to pay special capital gains taxes at the state level when I file my state income taxes?What is a "long position"?How old is the concept of socially responsible investing?Which colleges and universities use the FAFSA application to help finance a college or university experience?If bonds can be so speculative, how can bond markets and bond buyers know the worthiness of their investment?What types of economic indicators help me understand and evaluate local investment opportunities?Who are some of the biggest lenders for private equity deals?Under what circumstances should I decide to leave my financial adviser?When looking at comparisons of mutual funds, what is "performance"?If I just make more money, would I still have to worry about my personal finances?Why would I consider a conservative approach to my retirement investment portfolio?What is a very important consideration when thinking about investing?What is a "Debt-to-Equity Ratio"?What percentage of online economic users receive alerts or feeds about news and information pertaining to their investments?How else do small business owners mistakenly use ROI analysis?Are there mutual funds that allow investors to diversify their portfolios and participate in the world of art investing?What is my risk when investing in commercial real estate?RETURN ON INVESTMENT (ROI)What tools may investors use to evaluate risks of default?How important is the NYSE to global equities trading?What percentage of Americans are covered by some type of life insurance?What are the different types of business structures?What is a 401 (k) plan?What are "Treasury Bills"?Why are yields higher for corporate bonds than for government or municipal bonds?Is there a difference in how long- and short-term gains are treated on my taxes?What about corporate governance issues? What role do they play in socially responsible investing?What is a "coupon payment"?What are some other important considerations when evaluating closed-ended funds?Are all government bonds safe?How much have overdraft fees been growing over the past few years?What are the next steps to increase my available funds so that I may invest?What must I do in order to live beneath my means?Why do experts at JPMorgan Chase feel that art as an investment may offer good, uncorrelated returns over a long term?When computing potential returns on investments in real estate, with what assumptions should I be concerned?What is "general liability insurance"?What is "equalized value"?What about photographs and personal art?What is an "exchange-traded fund"?Will a global stock exchange emerge?If I already have a well-funded IRA or 401(k) retirement plan into which I automatically invest each month, do I really need life insurance?CERTIFICATES OF DEPOSIT (CDs) How do I make decisions to buy or sell if I am investing or speculating?Must the sellers pay capital gains tax to the IRS?What are the different categories of the term or maturity of bonds?What is "insider trading"?Why do investors invest in gold?Why do some experts believe in investing in indexes instead of investing in individual stocks?How many REITs exist?COMMERCIAL REAL ESTATE What does a financial planner do?What are some strategies I can employ that may help me reach my post-retirement income goals?GlossaryWhat percentage of Americans do not have enough money saved for even six months of living expenses?But what happens if I make a withdrawal from my retirement plan before I reach age S9VP.How many times has the list of Dow companies changed since its inception?What does my house insurance policy cover?How do investors profit from owning shares in a REIT?Why is dollar cost averaging a beneficial strategy for investing?Why is it important to use allowances to teach older kids proper financial management?What is a "Simple IRA"?What is the "spot value"?Why buy mutual funds?Why else should I have a portion of my portfolio in cash?What is a "market order"?Why do small businesses borrow money?What other major concern might investors have while investing in socially responsible funds?What is a "home equity line of credit" (HELOC)?What percentage of closed-ended funds actually trade at a discount to their net asset value?What are some problems with money market funds?How does CPI affect the investing community?What if my bank doesn't allow accounts for kids?How do I determine my tolerance to risk?What is "property tax"?Why is diversification necessary?Should I move out of my house when I am trying to sell it?What are the New York Stock Exchange's "circuit breaker" rules?Why is attaining great financial goals easier than we think?What does my credit history have to do with my credit card interest rate?What is "investing"?What are the requirements to obtain a reverse mortgage?What makes REITs desirable investments?How do I know if I am not in control of my finances?What are some examples of renting costs that I should anticipate?What is "private capital"?When can my child have access to his UTMA account?How much money flowed into U.S. equity mutual funds and exchange traded funds in 2013?How many types of Stafford Loans exist?Of the thousands of money market funds, how many have ever fallen below a net asset value of .00?What are "intangible assets"?What if I don't want to tie up my child's educational savings in the stock market?Why invest in gold?How much money is currently under management by investment companies?What is an "individual investor"?In the most simplistic terms, what is the proper allocation for my retirement portfolio?How much total debt should I have?What are some important factors when I decide to rent instead of owning my own home?What about all the foreclosed houses flooding the market?How does the IRS define an investor?Why are people afraid to invest?Does my tolerance to risk depend on my age or stage in life?Do tax-exempt investments pay more or less interest than taxable investments?Why should we not think about investing only as a subject for adults?Are there any other factors to consider when investing in a company?Which major cities have the highest local taxes on capital gains?Are CDs a safe method to invest my cash?Why are home equity loans desirable to homeowners?Why do people spend down their savings?What is my "net worth"?How important are property taxes in deciding to purchase a home?INSURING YOUR HOME INDEX FUNDSWhat percentage of a typical person's retirement plans are in the form of mutual funds?What are some basic assumptions employed when using fundamental analysis?According to the ICI, the fees mutual funds charge their investors has fallen by half since 1990. This is due in part to the popularity of passively managed funds, as well as cost-cutting activities of actively managed funds.What is the "spot market"?What are two of the oldest mutual funds?What is the future of investment advice?Why should I save my money?What percentage of renters are uninsured?How does the employment rate contribute to inflationary pressure?INSURANCE AS AN INVESTMENT What are "tangible assets"?What about buying houses in "up-and-coming" locations?How do I begin to select individual stocks?TREASURY BONDS AND TREASURY BILLSWhat are four concepts that will help older kids increase their financial literacy?How expensive is renters' insurance?How much did real estate prices decline between 2006 and 2009?What if the municipal bond issuer defaults on the bond?What is a "derivative"?With what investments does art correlate?Does the IRS give special tax exemptions to people who use the savings bonds to fund educational endeavors?What other precious metals are used as investments?How many credit cards should I have?What is the order of priority of payment during a bankruptcy or liquidation of a company or corporate entity?What are a company's "assets"?What is "errors and omissions insurance"?What is "volatility"?What did experts at BlackRock—the world's largest global asset management company, serving both large institutional investors and individual investors—find in their landmark 2013 study of investor attitudes?What are additional key metrics that require the focus of small business owners and investors?What is the biggest consideration when it comes to saving for retirement?What does it mean to be "preapproved" for a loan?Why should I use a financial planner?Can you buy too much insurance?What is "zero-based" budgeting?Why is debt management important to an investor?Why do life stage funds prefer to use indexes?What are the main reasons why people delay retirement?How does the performance of collectible art compare to other investments over time?What questions should I ask myself before I invest in real estate?What is an example of socially responsible investing having an effect on changing a society?What makes 401 (k)s great?What are some key methods to evaluate a target company?Are corrections good for some investors?What are some examples of data I can use from Case-Shiller Indices to understand a potential second home investment?At what age do people typically purchase life insurance?Should I ever buy CDs from a broker?What percentage of American households lack an emergency fund with enough cash to cover three months of living expenses?Why do prices of art and antiques vary so widely?After the stock market turmoil of 2008 to 2009, what did one of the largest mutual fund companies in the world, Vanguard, find in its survey of over 3,000 U.S investors, age 21 to 79?How do I open an online investment account?How might the CPI be biased?What is a "SEP IRA"?Why are indexes important to investors, even if we do not invest directly in them?What are "dividends"?How might I locate the name of a legitimate debt consolidator?What are "certificates of deposit"?Does a stockbroker make money on the stocks he directs me to buy?What tax advantages does home ownership provide?Who invests in mutual funds?What is the multiple listing service (MLS)?How does fundamental analysis work?Should I consider selling my home during a down market?What does it cost to attend a degree-granting college or university today?INDIVIDUAL STOCKS: THE BASICS Do I have to pay taxes on my 401 (k) investments?EXPENSE RATIOS(k)sIs owning a bond like owning a stock?How do I identify a small company in which to invest?Why is real estate investment considered by many a relatively risky investment?What is the "Dalian Commodity Exchange"?What is "market risk"?What is the Conference Board, and why is it so important to the understanding of financial markets?What is the most widely used legal form of corporate organization for firms that employ people?What does "pre-tax dollars" mean?What is a "prospectus"?What is the connection between bond prices generally and the health of the economic system in which I may invest?What other types of mutual funds exist?Why are companies removed from the list of companies on the Dow?Should I ever borrow from my 401 (k)?Why is prepaying tuition such a great deal?INVESTING RESOURCESBONDSWhat other types of macroeconomic variables might a potential investor use to evaluate the success of a downtown Los Angeles real estate development, such as the example above?Should I pay down my debts before I apply for a mortgage?In what other interesting types of commercial real estate might a REIT invest?INVESTMENT EXPERTSHow important is the place where you live influencing your perception of wealth?What else is a corporation?How does the SBA assist small business owners?How important is it to have a goal in mind when I decide to create an expense budget?What duration of time defines a bear market?What are some strategies to help me save money?What percentage of all Americans have contributed to content about the recession online?THE BASICSHow long does a bull market last?What are some other reasons why I should diversify my investment portfolio?CREDIT PROBLEMSWhat types of programs are available to help fund my child's education?Why is there a difference in price from the time that I want to buy or sell a stock and the time that I actually buy or sell that stock?What are some key steps to take in creating my business, after I consider the information above?Why is understanding financial markets so important to everyone?Why do ETFs experience volatility in prices and liquidity?What are some of my main concerns as an individual investor when I think about managing my retirement portfolio?What types of questions should I ask myself in order to determine how much of my portfolio I should allocate to equities?What are the important market indexes for mutual funds in which I may invest?Why is understanding financial metrics, and corrections made as a result of understanding these metrics, important to successfully manage or invest in a small business?What is the difference between "investing" and "speculating"?How fast is online banking growing?What are some of the pitfalls of buying individual stocks?What is a "Chartered Financial Analyst" (CFA)?What is a rent-to-income ratio?How do I create a goal?Are there any deductions I may take that help me with my yearly state income taxes?What percentage of banks offer mutual funds to their customers?Are there any conflicts when it comes to SRI?What is another way to encourage children to save money?How do I buy bonds?AVOIDING SCAMSWhat is a "bond"?How do I compare the yields of tax-exempt investments and their taxable investment equivalents?Does it matter to lenders how large a down payment I will require?What must I consider before investing?What kinds of information can help me understand and learn more about investing?How do I begin investing?What are six ways experts at The Wall Street Journal feel will help children begin to understand how to invest?How do I determine the market price of a house?What might affect future growth rates in a company's earnings?What are some trends that indicate a changing international landscape for investors?Why create an expense budget?INVESTING FOR RETIREMENT THE BASICS How substantial is the difference between interest rates for loans and savings accounts at credit unions compared with interest rates for loans and savings accounts at banks?When must I repay school loans?What other costs should I include when computing my return on an investment?Is it easy to get a home equity loan?What is a major factor in deciding how to invest as I near retirement?Why is it good to be a "silent partner" in a business?What important disclaimer must every investor in a small, privately held business consider before making an initial investment?What is the next step to teaching a child about money?How does diversification reduce my risk?What is another important point to teach children so they may begin to understand some basic principles of investing?What is a "custodial account"?What is the main purpose of private equity investing?Do brokers know all about the investments they tell me to buy?Why can a home equity loan be dangerous for homeowners?Why can a mutual fund provide for more diversity of investments than any one individual investment?How do financial planners receive compensation?When did the first credit union appear?What is an "expense ratio"?If I use an adviser, does it mean I don't need to learn about investment options?What has been the average annual return of the S&P 500, a good indicator of the performance of listed stocks that frequently make up mutual fund investments?How many financial planners are there in the United States?What key factors can make a real estate purchase attractive as an investment?Why are ETFs attractive to some investors?What are the two most important methods to analyze stocks?What percentage of people do not invest in their company's 401 (k) program?What else can I learn from comps?Is my money available when I want it?What are typical cash inflows in a commercial real estate investment?What are some macroeconomic factors that might influence the growth of a stock's price?Why do advisers like to use laddering techniques?What percentage of workers earn retirement benefits at work?How does the IRS treat the interest I receive on a corporate bond?How can I as an investor avoid fraud and scams while I am engaged in investing?What are some additional important IRS publications that may help me understand more fully the tax implications of my investments?What percentage of employed consumers own some form of disability insurance?How long does it take to resolve a credit card issue?Why is timing the market controversial?How else do small business owners fund their companies?How do I calculate my return on investment for real estate transactions?What are some of the most important rules regarding obtaining distributions from my 401 (k) plan?How important are certifications when it comes to choosing a financial planner?What does FINRA recommend we do to avoid scams and fraud related to our investments?What is a "market index"?What is the Standard & Poor's Indices Versus Active (SPIVA) funds scorecard?After a child has mastered the concept of saving to meet financial goals, what else can I do to educate my child on the value of investing?What are some limitations to ROI analysis?Why am I so important when it comes to investing success?Why are some mutual funds more tax efficient than others?What are the minimum investment requirements if I am interested in investing in U.S.Treasury securities?What if my debt-to-income ratios are higher than average, and a lender still will give me a loan?How do I know how much to put down on a house?How long have ETFs been available to investors?What about the financial planner's approach? Should it be aggressive or conservative?What types of expenses are typically included in an expense ratio calculation?What is "principal"?How do I join a credit union?Just how small is America's small business?What are some further steps we must take in order to establish investment goals?What happens to the expense ratio if a mutual fund is small or new?How many sole proprietorships exist in the United States?How does a college savings plan work?What are other considerations or requirements to obtain a home equity loan?Specifically, what do ticker symbols indicate?What types of factors do investors normally consider when trying to choose between tax-exempt and taxable investments?What is the difference between a Roth IRA and a Roth 401 (k)?Why is it important for me to set an example for my children about how to value money and investing?How do Americans find economic information?What percentage of employees who learn of their employer's matching program actually direct enough money into their 401 (k)s to obtain the matching funds?How do different sectors or genres of the art world perform as investments?Do I really need a financial adviser?What is a "down payment"?What is an "overdraft"?Can banks sell stocks and mutual funds?How does the financial aid actually come to me?How much money does the typical investor in today's market have in his mutual fund accounts?Can adding just a few hundred dollars to my mortgage payment help to reduce my debt?What is "systematic risk"?What are the different distinctions between stockbrokers?How many homes are in foreclosure in the United States?What are some general factors that affect house prices?How many Americans do not have a bank account?How much does my ability to delay present gratification in favor of future gratification play in personal financial success?How may I investigate if a firm is legitimate and properly licensed to trade in futures?What is an "LLC"?Of all small businesses in the United States, how many are owned by women and various minorities?Why are reverse mortgages controversial?What are some good personal finance blogs?Do I need to file my state income tax each year?What types of macroeconomic variables contributed to the developers' ultimate decision to invest in the project?What is a "cash account"?How much money have credit unions lent to members in 2013?What are some other hidden costs to art or antique collecting and ownership?SETTING YOUR INVESTING GOALSThere is so much information online. How do I choose what to read?FEDERAL TAXESHow is the CPI created?How do real estate agents work?Why does investing require a specific mindset, so that I may be prepared for the long road ahead of me?ASSESSING DEFAULT RISK ON BONDS What states have the highest rate of foreclosure?What are some other strategies to assist us in saving money?What is "risk"?What if my child is not too interested in learning about investing?What are some risks associated with corporate bond investments?What is discussed in a financial planner's meeting?What is a "closed-ended mutual fund"?What impact does small business have on the U.S. economy?What happens when the Federal Reserve changes the interest rate it charges to member institutions?Why do I need professional guidance when exploring exotic investments such as virtual currency, derivatives, and credit swaps?How much money is invested in IRAs?How do closed-ended funds differ from exchange traded funds?What happens with my taxes if I fail to report foreign financial assets?Why is the acquisition of a company a highly risky form of investing?What else is private equity?How do small businesses use loans to finance their operations?What are some top online stock trading sites?What is a "risk/reward ratio"?What is a yield curve?Why might I want to own a second home?What are some of the other key indexes in which to invest?What about my commissions for executed trades? Are they deductible?Why use a bank?What is the theoretical risk-free investment, and why is it so important?Why use an online bank?Why can acquiring a company be a great investment?What is a "depressed" or "down" real estate market?Why do we use the term "life stage investing"?What are some disadvantages to investing in an index fund?When I invest in a private company, on what type of financial information should I focus?INFLATION AND THE CONSUMER PRICE INDEXHow active are Americans in using the Web to find financial and economic information?Why is it important to start teaching kids about financial matters when they are young?What are some influential stocks used as components of many ETFs?How do companies use private equity investments to improve their financial picture?What are "municipal bonds"?What does the American Institute of Certified Public Accountants (AICPA) feel is the most important step that parents should take to help their children to understand investing?What happens when bond yields for short-term maturities are higher than their long- or intermediate-term counterparts?What are the most basic elements to understand and evaluate the success of commercial real estate investments?Are money market funds a safe way to invest cash?Where is the most expensive place to rent in the United States?What is a conflict of interest in financial planning?What is one limitation of the trend toward the emergence of similar individual investors and investment products located in other parts of the world?Where do people who do not use banks obtain cash?Will investment banks become deposit banks?What is the final category of funds?How does one obtain an SBA loan?If the bonds I hold are in default because of the issuer's bankruptcy, might I still be able to retrieve my principal?Who is investing in mutual funds?INVESTING VERSUS SPECULATION So if I have a great credit rating, I might get a card with better terms?What about the success of high-performing stocks?What is the "Federal Funds Interest Rate"?How do I decide which funds to choose?What are "lagging indicators"?What is another factor leading to more demand for rental housing?How are bond prices determined?What can I discover from U.S. Census data that supports demand for rental housing?INTEREST RATES Do all states have sales taxes?Why is it important to have proper documentation and legal agreement when I invest in a small business?How do I open an online account?What happens if the university runs out of campus-based aid funds?What are some important questions to ask myself when managing the diversity of my portfolio?What are a mutual fund's expenses?How many entrepreneurs exist in the United States?RATINGS COMPANIES LONG-/SHORT-TERM CAPITAL GAINS/LOSSESWhat are "growth funds"?In what kind of investments do hedge funds invest?How do we make children's savings goals easier to understand?What is the first question the 1RS wants to know if I am interested in starting a business?How quickly do people form first impressions?What is a "debt consolidator"?How many working households have no money saved for retirement?What about all my clutter?How many partnerships exist in the United States?How else do businesses use ROI in their decision-making process?In what other places is the demand for gold high?Why is "inflation risk" bad for my portfolio?STATE TAXESRENTERS' INSURANCEWhat federal tax form must I use to claim state income tax deductions?How do I open a account?What types of educational grants are available?What is the maximum amount I am allowed to invest in Series EE or Series I Savings Bonds?What affects bond prices?How do REITs generate their stated returns?How can I use ROI techniques to analyze a small company's social media campaigns?What is a "hedge fund"?What is a "Federal Pell Grant"?What is "behavioral economics"?Why do bear markets happen?What are "loaded funds"?What is "disability insurance"?If you buy bonds through a broker, is there a commission?What if I want to buy or sell a stock after regular market hours?What is the average amount of student aid that students in undergraduate programs receive?What does it mean to be "prequalified" for a loan?SAVING FOR RETIREMENTWhat other tips should new real estate investors consider?How can I determine if my financial planner has a criminal history?How is CPI data used in our economy?Where did the term "blue chip stock" originate?Where do I report capital gains and losses when I file my taxes?How many individual investors exist in the United States?What is a "price/earnings to growth ratio"?What does the saying "If it sounds too good to be true, it probably is" mean?How much did developers pay for six parking lots in downtown Los Angeles in a recent commercial real estate deal?What else can we see from these two groups of investors?How many households own IRAs?What is the first step in teaching my children about money?Can I automatically invest in U.S. Savings Bonds using my IRS tax refund?What are some important economic concepts that may affect bonds and stock prices at the macroeconomic level?What are the most popular sources of financial information?Which states' residents create the most capital gains from their investments?When did The Wall Street Journal begin to publish a Dow Jones Industrial Average?What are some typical types of real estate investments?What is a cash-on-cash return, and why is it so important?How many credit cards exist in the United States?What is a "level load"?Why use a human broker instead of an online broker?How might a small business use ROI analysis for strategic planning purposes?What percentage of the total dollars invested in investment companies are in each type of investment company?What is the downside of using a home equity loan?What affects the assessed value of a property?What percentage of people are not likely to withdraw funds from an IRA before age 70V*?What is one the biggest challenges of small business ownership?Can I withdraw money from my 401 (k) before I retire?What are stock or share "buybacks"?Why will capital markets continue to need both short- and long-term capital?RENTAL PROPERTIES What are a few examples of coins as investment vehicles?What does FINRA suggest I do after I have invested to work properly with my investment adviser?What are "value funds"?Why else are the NAPFA standards so high?What is a PLUS Loan for Parents?In what ways are participant-directed 401 (k) plans more choice-centered?What is the "beta" of a stock or mutual fund?Must I pay taxes on savings bonds?What is "default risk"?OTHER INVESTING OPPORTUNITIESWhat is a "risk/return trade-off?"What factors should I consider when choosing a broker or firm in which to invest my money?What constitutes the Conference Board's Leading Economic Index?How much credit card debt exists in the United States?What are the largest stock markets in the world?What are some limitations to using ROI models in order to understand my returns on real estate investments?Why do producers of commodities use futures markets?What is the difference between "actual cash value" and "replacement cost coverage" in my renters' insurance policy quote?How much should I save for my retirement?So how does this understanding translate to their investment behavior?What is a "budget"?At what age are children capable of understanding financial concepts such as the value and purpose of money?What are some general factors that might be interesting to use while I evaluate a stock?What are some examples of financial goals?How might I analyze what I need for my retirement?How do parents use allowances for their children?What is a "margin"?On average, how long has a company been in business before it issues shares for the first time to the public?What investments are similar to money market funds?SOCIALLY RESPONSIBLE INVESTMENTS (SRIs)Why is longevity risk sometimes considered a "silent" risk?How does credit card debt affect older Americans?What is a "cash cushion"?What is the biggest difference between an S corporation and a C corporation?What are some steps in using a budget?What if your potential home is in an area with only one major industry or employer?What are the components of the Conference Board's Index of Lagging Indicators?How many countries have stock markets?What are some basic steps that I can design in order to attain my personal financial goals?What is a "leveraged buyout"?What is a principal difference between a unit investment trust and a mutual fund?What effect does changing the capital gains tax have on our economy?How well has the Dow performed since it began?What is a "tax-cost ratio"?What is a "mill levy"?After I decide my motivations for making the investment, what is the next logical step in deciding to invest in a small, privately held company?Do people spend more money on overdraft fees or vegetables during a year?What is the opposite of mortality risk?May I deduct capital losses on the sale of my personal property?What is a "style box"?Will my money always be protected by the FDIC up to 0,000?Why is it said that the art market is not transparent?Why would I consider a moderately conservative allocation mix in my retirement portfolio?What is "EBITDA"?What are some other keys that may assist me in establishing investment goals?MANAGING A SMALL BUSINESSWhat is another important step in setting my financial goals?What is the relationship between the interest rate and the stock market?Isn't it easier for me to just have a financial adviser, so that I don't have to spend time learning about personal finance?What is a "flexible spending account"?MUTUAL FUNDSWhy might it be true that as interest rates rise, the stock market may not necessarily fall?What percentage of small businesses are ultimately approved for a loan either to start or manage them?Must I pay taxes on my investments held within my 401 (k) or retirement plan?What percentage of a household's financial assets are in the form of mutual funds?How many private equity deals in the information industry alone happened in 2013?What kind of expenses can I try to reduce before I retire?Should I document certain items I would like to have on my homeowners' insurance policy?HOME OWNERSHIP AS AN INVESTMENTHOME EQUITY GOLD AND OTHER PRECIOUS METALS Does access to so much information come at another hidden price?Why is it good to be an institutional investor?What is a back-end ratio?What are some other benefits to investing locally in a small business?How much cheaper are foreclosed houses than currently occupied houses on the market?What does the term "appraise out" mean?What do average investors do that decreases their returns?How is the FDIC funded?What does the foreclosure rate mean for American home ownership?What percentage of buyers ultimately pay cash to purchase an existing house?What types of goals should I consider before I begin to invest?How sizable an effect does commercial real estate development have on the U.S. economy?Is there such a thing as a risk-free mutual fund?What is "mortgage insurance"?What organizations provide accreditation to stockbrokers?What are some red flags that may warn potential investors of problems when making a private investment?If home mortgage debt rises, does that signal a turnaround in the real estate market?How often do parents engage their children in discussing financial matters, such as saving and spending?What is the biggest risk in holding cash in the form of a CD?What is a basic assumption of life stage investing?What are some creative ways in which parents may use allowances to educate their children on financial matters?What are the top complaints individual investors make to the SEC?What is a "long-term capital gain"?What is a "commodity future"?How much should I save for retirement?Why should I invest regularly?What are "stocks"?How can I protect myself from fraud when I am considering investing in a mutual fund?What if I have had some unusual expenses that make my ability to pay for my child's education more difficult?What are some warning signs that my debt may be a problem?What is the effective tax rate for a small business?What types of mortgages are available to consumers for a home purchase?What is an "interest rate"?Can you invest in bonds through mutual funds?REAL ESTATE INVESTMENT TRUSTS (REITs)What is a "Federal Work-Study grant"?Under what circumstances might I pay more in management fees or loads, instead of targeting lower-expense funds?Why do investment experts at JPMorgan Chase say that investing in art is considered an "investment in passion"?Why do some investors like EBITDA measurements and comparisons?How are Series EE Savings Bonds different from Series I Savings Bonds?How can I find out if I am dealing with a legitimate insurance company?What is "diversification"?How might I attribute costs associated with social media campaigns?What is the median retirement savings balance for people ten years away from retirement?Does the size of the companies that compose a mutual fund portfolio really matter when deciding what type of mutual fund to purchase?What are some additional considerations?What is the average amount of credit card debt for U.S. card holders?If I am applying to different schools, must I submit a separate FAFSA application to each one?What is a "Chartered Investment Counselor" (CIC)?How do I know how much insurance to buy?Is my money protected the same way in an online bank as in a traditional bank?How low are today's mortgage interest rates?How many households in America benefit from FINRA's services?What is the cost method of calculating ROI on a real estate transaction?What about the liquidity of a potential real estate deal?What are typical expense ratios of mutual funds?What is "renters' insurance" or "tenants' insurance"?Since it is difficult to analyze or even know the typical sales commissions we must pay on an insurance policy, how can I identify the sales commissions?How does owning a house improve my net worth more than renting?What other subdivisions of mutual funds exist?When discussing real estate returns, what is a "cap rate"?Where can I find information to help me compute EBITDA?ONLINE TRADING Why should I care about IPOs?What is the purpose of a futures exchange market?What is the survival rate for new companies?What do people do with their IRAs after they retire, when they begin to access their holdings?What is the frequency of 401 (k) distributions?What is "wealth"?How does the movement of prices in stocks that compose the Dow Jones Industrial Average indicate movement in the price of my stock?When I consider investing in mutual funds, why are expenses so important?What percentage of economic users online use the Internet to find information to protect their personal finances?Where can I purchase insurance for my home-based business?How do employers react to rate increases by medical insurance companies?How many complaints does the SEC receive each year?How much money flowed out of U.S.-listed bond mutual funds and bond exchange-traded funds in 2013?What is the distinction between the different loan periods?What types of companies issue corporate bonds?What do companies do with the money they make from selling bonds?What are some top real estate websites I can use to analyze current and past listings on my own?What types of taxes can cities impose?What is a "financial future"?What is an interesting strategy when it comes to investing in actively managed funds and passively managed index funds?Can I give money to my children without incurring any tax liability?How much equity may a homeowner pull out in a reverse mortgage?What are typical tax-cost ratios for mutual funds?What are some top books on children and financial literacy?How much personal wealth was lost during the Crash of 2008?Is a bond like an IOU?Can I learn anything from visiting the websites of the stock exchanges themselves?SAVING, MANAGING DEBT, AND BUDGETINGWhat are some other key considerations when deciding in which mutual fund I should invest?What about sector/specialty funds?How much money is now tied to socially responsible investing?How many people overdraw their accounts?How do self-employed business owners pay their income taxes?How much money does the FDIC protect?What are some of the most important metrics that measure the health or performance of a company, and ultimately its stock price?What are the three main types of mutual funds?How does having and maintaining an expense budget help attain my financial goals?THE BASICS What if a house doesn't appraise out?Why do people like online banks?What is a loan-to-value ratio?FINANCING SMALL BUSINESSES Why do some people favor term life insurance policies?What if I outlive the term of my term policy?How do mutual funds provide for diversification?What is a "Roth IRA"?HEDGE FUNDS How does increasing my down payment help protect me from going "underwater"?How many new businesses are created every month in the United States?What is the difference between a second home and an investment property?Who created the DJIA?What may happen to the stock market if interest rates decline?Why are front- and back-end ratios important?What are some examples of risks?Why are returns I generate from investments in cash relatively less than those in other investments, such as stocks or bonds?What is the minimum age for a child to open a bank account?What are "hardship distributions"?What affects the price of gold?Why are money market funds attractive to investors?Why do people buy or collect art?Why are neutral colors so important when selling a house?How does homeowners' insurance work?How do professional investors feel about risk?What is a "key" or "leading&quoquot; economic indicator?What is "investment fraud"?What is an "IRA"?What is a "futures price"?Why else should I use an online bank?At what rate are people retiring in the United States?What happens if my losses are larger than my gains in any tax year?What is another general rule about location?Should I sell my house before getting a loan for my next home purchase?What is the relationship between beta and risk/rewards?What else does the FDIC do?What is a "closed mutual fund"?What are "cash flows"?THE FUTURE OF INVESTING Where is platinum used, besides in making jewelry?What is a "college savings plan"?Why would a municipality default on its loans?Who regulates money market funds?When am I supposed to file Schedule B?What are some more typical reasons why small businesses fail?What is "mortgage fraud"?What is a "home equity loan"?How many small businesses exist in the United States?What is the length of time to maturity of typical municipal bonds?What is "return on investment"?How much time do American parents spend discussing financial matters with their children?What is one important consideration when I am thinking of investments at different points in my life?What about buying in a down market?What is "full employment"?What factors should I consider when thinking about affordability?What percentage of parents never discuss financial matters with their kids?Why are index mutual funds or index ETFs preferred by many over buying individual stocks and actively managed mutual funds?What two states have not yet adopted UTMA?Why is knowing my net worth important to attain my financial goals?What does my renters' or condo insurance cover?How do I know if I will have enough money saved for my retirement?What are some of the top bond ratings organizations?What is the earliest age that I should begin to introduce financial concepts to young children?Who are these institutional investors?What is a "real estate investment trust"?What is another big assumption the IRS makes when determining whether to allow certain business-related expenses and deductions?What is the biggest change with regard to paying taxes when I enter retirement?Why is it important to pick the right agent to sell your house?What is the progression of risk, from low to high, among different classes of investments?Why do companies have a vesting period?What types of risks could I see if I own individual stocks?What is "mortality risk"?When I am young and just beginning my career, what is the most important behavior that will help me when I am older?With whom do children prefer to discuss money matters, Mom or Dad?Why is a Form ADV important?What percentage of Americans saw their portfolios decline during the period of economic decline 2008-2010?What types of corporations does the IRS recognize?What steps can I take to increase my available funds so that I may invest?What is a "bank"?How might I participate in commodity trading without having to trade commodities directly?What percentage of municipal bondholders are individual people and mutual fund investors?What is a "capital loss"?What percentage of our IRAs are invested in mutual funds?What are the two major stock exchanges?What does the IRS consider "net investment income"?What do experts at CNBC feel are benefits to art and antiques as investments?If I am thinking of buying a house in a certain city, how can I find information about my target city online?Why do some people invest strictly in cash?What should I do if I wish to invest in an area in which my broker is unfamiliar?What if I discover something about the house that makes it unacceptable to me?How do I begin setting up a brokerage account?What are some limitations of life stage investing?What are some interesting websites that parents may use to help educate their children about financial literacy?What is "private equity"?How else might I find out if a company offers shares to the public for purchase?What is a "correction"?Why has the college rental market been historically stable compared with other types of rentals?Why do some people prefer to rent rather than own?How do I find out if a company is publicly traded?Do people in their twenties manage their 401 (k) portfolios the same way as people in their sixties?What else should I do if I stay in my home during a down market?In order to understand the price changes of art, why can't we trust historical auction prices for art?What is Upper?How do I know if a prospective online bank is legitimate?Is an SBA loan a commercial loan?If I stay in my home, what should I do during a down market?What are some other reasons to use credit unions?How can I save money on my homeowners' insurance?What is a "C" Corporation?Why can teaching children about investing be so challenging?What are some examples of typical investments that may yield capital gains and/or losses?What are some of the main reasons why investors include corporate bonds within their portfolio?What is an expected family contribution?What is an interest-only loan?How is simplification an important aspect of investing in no-load mutual funds?What is the Consumer Price Index (CPI)?Why is patience important to successful investing?What is a "matching program"?What is a "stock market"?Which states have unusual tax laws regarding gains on investments?What states have laws that allow cities to impose an income tax?How is investing in cash different from other forms of investing?What are some other reasons why a small business might fail?Are there any online calculators that will allow me to calculate returns on potential real estate deals easily?CREDIT CARD DEBTHow and when do I get paid my interest on a certificate of deposit?On average, how much money do new companies require to start their operations and activities?What is a "Federal Perkins Loan"?How else do I use the Dow in order to analyze my portfolio?Can I open an online checking account?Why do people seek the advice of financial planners?What is an "institutional investor"?What are the first steps to eliminate credit card debt?When do I pay my property taxes?What is a "high net worth individual"?What does the term "stockout” mean, when I trade in commodities?What if the investor would like to use an insurance policy as a tool to enable passing on a large (greater than million) estate?How many states increased their taxes from 2009 to 2010?What are seven factors to consider before investing?What is "online trading," and how does it differ from "day trading"?SMALL BUSINESS INVESTINGHow old are people who typically start technology-related companies?What is a "SARSEP IRA"?What percentage of America's entrepreneurs are "ethnic"?What is the second most important step to getting out of debt?What are "unit investment trusts"?What mindset helps me become financially successful?Why is budgeting so important to create wealth and financial success?Are questionnaires available that may help people evaluate their tolerance for risk?Can I ask the potential planner if he or his firm has ever been involved in any litigation or disciplinary action?How does a prepaid tuition plan work?How do I use beta to analyze an investment choice?THE BASICSHow much time is considered to be short-term, near-term, and long-term?What does the FAFSA application cover?Will the financial planner work with me alone, or with a team of other people?ONLINE BANKINGWhat future trend can we see in the near term about the cost for discount brokers?How many U.S. households have credit cards?LIFE STAGE INVESTINGWhy are index funds attractive to many investors?What does FINRA do?How old is the New York Stock Exchange?What is a "multiple"?What is the first step to obtain federal assistance for education?How do I rebuild my credit history after filing for bankruptcy?ROIs AND SMALL BUSINESSESWhy should I buy a house?What is an important consideration when I think about investing for my retirement?MUNICIPAL BONDS What has been the average turnover rate of an equity mutual fund?What is a Direct Stafford Loan?How do I accurately compare the expenses to rent compared with owning a similar house?How are hedge funds different from other types of mutual funds?What is the future trend for socially responsible investing?What is "vesting"?Are municipal bond defaults rising?What is the connection between prevailing interest rates and a bond's maturity?What is a "portfolio"?What is "term life insurance"?THE BASICSWhat is the maximum amount I may contribute each year into a 401 (k) plan?What types of questions might I ask a potential financial planner?SAVING FOR EDUCATION How large an effect do small businesses have on borrowing in the United States?What is a "deductible"?What are the top financial websites that can help typical individual investors learn more about investing?Are there other "rent versus own" tools or calculators available online that may assist me in making these types of analyses?What is an investment in a private company's debt?What is the percentage of households that owned their own homes?What percentage of 401 (k) assets are in mutual funds?What is "debt consolidation"?How do small businesses finance their operations?What is "life insurance"?Why do commercial real estate deals often fail?How many mutual funds exist?What did Jack Bogle, founder of the Vanguard Group, do to save and invest money for his children's college education?What are "corporate bonds"?What is an alternative strategy to using or obtaining a reverse mortgage?CREATING WEALTHWhat is a "short-term capital gain"?What else can I learn about the behavior of people who are very near retirement?What happens when a bond issuer defaults on the bond?What are the requirements to create an S corporation?What kind of actions has FINRA taken to protect the investment community?What kinds of information can I find by using the U.S. Securities and Exchange Commission (SEC) website?What percentage of Americans have no savings at all?Why should I use a fee-only financial planner?Why is ICE so important to the investing community around the world?What are additional steps that I can take?.How much real estate do REITs control today?How is a mutual fund priced?What is the basis of our financial markets?What financial goal does the typical investor in mutual funds desire when making an investment?Why do investors like to acquire a company's debt?How can I protect my investments before I begin to invest?What is a "home equity conversion mortgage"?What is a "commodity"?Why do C corporation shareholders pay double taxes?Why is timing my cash inflows and outflows critical to analyzing and ultimately investing in commercial real estate?What is a "Traditional IRA"?Do higher rates of returns generally mean that my money may be more at risk?MONEY MARKET FUNDS What is another strategy that a company might employ to make its stock attractive to potential investors and current shareholders?How much may an employee contribute to a Simple IRA?What is a "stock split"?What is "preferred stock"?According to the IRS, what is a "capital asset"?What are some examples of house purchase costs that I should anticipate?Why do some experts believe the individual investor should avoid investing in individual stocks and mutual funds, and should rather invest in indexes such as the S&P 500?Do brokers have any obligation to monitor the performance of investments they sell?If I have a balance of only ,000 on my credit card, with a 15% interest rate, and I only make the minimum payment of each month, how long will it take me to pay off the balance, and how much will it really cost me in the end?What is "product liability insurance"?MORTGAGESWhich states have the highest income tax rates (based on the highest tax brackets)?What are some other important steps experts also suggest you should consider when planning a real estate investment?Why do some people prefer to buy individual stocks, instead of purchasing an index fund or a mutual fund?How does the IRS define the length of time that I hold assets or the age of my assets?When did 401 (k) plans start?What if I have other business loans available, such as a line of credit?When I am considering an investment in an insurance policy, what are three issues with which I should be concerned?SELECTING INDIVIDUAL STOCKSHow does a valuation multiple help me understand the price paid to acquire a company, or to value a target company?How do I attract wealth in my life?How do I buy individual stocks?Why should we be positive and neutral, as opposed to negative and emotional, when it comes to speaking about money with our kids?What is a "capitalization-weighted" index?What are some other important areas of commercial real estate development?Among people who are retired, what percentage have no money to use for their retirement?What other factors point to difficulties in the college rental market?What is "saving"?What types of loans does the SBA offer?According to FINRA, what types of conduct within the securities industry are unacceptable?Why are limit orders good to use?Why are some stocks with low prices specifically removed from the Dow?What does the term "underwater on a mortgage" mean?What is the main purpose of using ROI calculations or techniques?What are some other notable dates in NYSE history?How much may I borrow under the Federal Perkins Loan program?Why are fees and costs of mutual funds so important in deciding which fund to choose?What does the phrase "past performance is no indication of future performance" mean?What are some basic principles that the CFTC recommends I follow when I am beginning to invest in commodities and futures?What are some of the principal features of online brokerage accounts?What information does a fundamental investor often review?What is a "life stage" or "life cycle" investment?What are some of the biggest mistakes individual investors make?What country is one of the largest buyers of gold?How many Americans invest in REITs?May I change the name of the beneficiary on a college savings plan account?When I buy an equity position in a company, what exactly am I buying?Why bother to teach children about financial matters?What about other sources for small business loans?What is a "Certified Fund Specialist" (CFS)?What is the maximum I can claim in a year as a capital loss?How does tenants' insurance work?What are some key metrics that a small business owner should analyze to grow his business?What steps can I take to minimize my credit card and other debts?Do I need to take a medical exam to get life insurance?What different types of money market funds exist?Why is information overload a huge risk factor when I invest in individual stocks?What are some reasons not to invest in an index fund?What are three common misperceptions about retirement?What are the typical loan maturities for the lines of credit?Why is time so important in investing?How do I realize any gains on my investment in a second home?Should I ask if the planner is benefiting in other ways by directing me into a certain investment?How do respondents describe the state of being wealthy?What are some decisions an individual investor must make before investing in a particular stock?How do I create an S corporation?BETAHow does a lender know the value of a house, if it is not for sale?Why pay off the balance each month?IRAsHow can I misinterpret an indicator?On a macroeconomic level, how much building of college rental beds has recently occurred?Why is price inflation so harmful to my retirement investments?What is a fixed-rate mortgage?What types of investment or financial products exist?What is "private" about private equity investments?Why are cash flow-based metrics important to analyze equities?How do I determine what component or functional area of my business affects the drivers the most?How does Forbes characterize the difference between investing and speculation?If I am self-employed, is there a similar program to save for retirement?Where do corporate bonds trade?Why is it difficult to see the survivability rates for new businesses?Why is fiduciary responsibility important?How do I calculate a risk/reward ratio?What is a "Federal Supplemental Educational Opportunity Grant" (FSEOG)?EXCHANGE-TRADED FUNDS
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