1. Is there any difference between a holder of a Chartered Financial Analyst Designation ...

    Using the title "Certified Financial Analyst" to refer to the CFA® program offered by the CFA Institute is incorrect.CFA Institute holds the trademarks associated with the CFA® program. The acronym "CFA®" can refer only to the Chartered Financial Analyst designation or charter.
  2. I have two Roth IRAs, one of which has a balance that is much less than the total ...

    It depends. You are eligible to write off the losses only if the balance for both of your Roth IRAs (combined) is less than your aggregate contributions and conversions to both Roth IRAs, and you distribute the entire balance of both Roth IRAs. The loss is claimed on your Form 1040 - Schedule A as an ...
  3. How Much Life Insurance Should You Carry?

    Learn how much - if any - insurance you really need.
  4. I have not received my Series 7 exam certificate. Where can I obtain it?

    The National Association of Securities Dealers (NASD) does not provide candidates with any physical certificate signifying the completion of the exam. If current or potential employers wish to view proof of your completion, they have access to this information through the Central Registration Depository ...
  5. I want to roll over a portion of my retirement plan with my employer and I have been ...

    This is based on the rules that an individual can roll over a portion of his or her retirement plan balance, rather than rolling over the entire balance. According to the rules, if an individual rolls over only a portion of his retirement account balance, the portion that is rolled over is deemed to ...
  6. I am not currently employed at a member firm, but I have independently written the ...

    After you have successfully completed your exam, you have two years to become registered or licensed to prevent your completion status from becoming invalid. Once you do obtain employment, the hiring firm must submit form U-4 to the Financial Industry Regulatory Authority or FINRA.
  7. What is securitization?

    Securitization is the process of taking an illiquid asset, or group of assets, and through financial engineering, transforming them into a security.A typical example of securitization is a mortgage-backed security (MBS), which is a type of asset-backed security that is secured by a collection of mortgages.
  8. How does online banking assist with budgeting?

    Setting up online banking can make a personal budget easier to manage through the use of multiple accounts or expense categories with the same financial institution (for expenses like utility bills, vacation accounts, retirement funding accounts, etc.).
  9. How do I register for the CFA program for the first time?

    CFA Institute provides prospective CFA candidates with a couple registration options.1) Online Registration: This is the quickest and easiest method to register as CFA Institute receives your registration immediately. All you need to do is create an online user account and once that is complete, register ...
  10. What are managed futures?

    Managed futures are futures positions entered into by professional money managers, known as commodity trading advisors, on behalf of investors. Managers invest in energy, agriculture and currency markets (among others) using futures contracts and determine their positions based on expected profit potential.A ...
  11. What is the difference between "hard money" and "soft money"?

    Hard money and soft money are terms that are often used to describe coin money and paper money, respectively. However, these terms are also used to refer to political contributions in the United States, which can be made directly to a specific candidate (hard money) or indirectly to parties and committees ...
  12. Invest In Your Education With An RESP

    All Canadians should know the benefits of these flexible education savings plans.
  13. What do people mean when they say there is a "bubble" going on in the market, such ...

    A financial "bubble" refers to a situation where there is a relatively high level of trading activity on a particular asset class at price levels that are significantly higher than their intrinsic values. In other words, a bubble occurs when certain investments are bid up to prices that are far too high ...
  14. How did George Soros "break the Bank of England"?

    In Britain, Black Wednesday (September 16, 1992) is known as the day that speculators broke the pound. They didn't actually break it, but they forced the British government to pull it from the European Exchange Rate Mechanism (ERM). Joining the ERM was part of Britain's effort to help along the unification ...
  15. Mortgage Asset-Liability Management Made Easy

    Should you refinance your mortgage to purchase other assets? Learn how to weigh your risk.
  16. Where can I find a list of all of the stocks in the S&P 500?

    The actual list of all 500 stocks in the S&P 500 is called the Constituent List. It can be found on the official Standard & Poor's website under the Equities Indexes section.To be added to the S&P 500, a stock must meet a broad spectrum of criteria, including a total market capitalization ...
  17. 12 Ways To Shop Smarter

    The early bird may catch the worm, but in shopping, the worm will come to those who wait.
  18. How do I identify a gray market?

    The term "gray market" refers to the market for the purchase and sale of uncirculated securities that will be offered at a future date. An issuer may execute a customer order prior to the initial public offering of the securities. One benefit of the gray market is that the issuer can gauge demand before ...
  19. What does negative shareholder equity on a balance sheet mean?

    Negative shareholder equity could show up on a company's balance sheet for a number of reasons, all of which should serve as red flags to look much closer before investing. To understand why, you need to look no further than the formula for shareholder equity: Total Assets - Total Liabilities = Shareholder ...
  20. The Birth Of Stock Exchanges

    Learn how British coffeehouses helped give rise to the juggernaut that is the NYSE.
  21. How is something "brought over the wall" in an investment bank?

    An analyst who lends his or her expertise to an underwriting department is said to have been "brought over the wall". In financial firms, the separation between the investment analyst and the underwriting departments is described as the "wall", as in the Great Wall of China.
  22. Can You Retire In Five Years?

    The countdown is on. Find out whether you'll be ready to leave the working world.
  23. When A Dispute With Your Broker Calls For Arbitration

    Do you have a claim you'd like to file? We'll take you through this process step by step.
  24. Peer Comparison Uncovers Undervalued Stocks

    Learn how to put one of the top equity analysis tools to work for you.
  25. Who Is To Blame For The Subprime Crisis?

    From lenders to buyers to hedge funds, it appears everyone has blood on their hands.
  26. This ARM Has Teeth

    Find out how to avoid getting bitten when your mortgage rate resets.
  27. Is Your 401(k) On Track?

    Small adjustments can have a significant impact on your returns. Learn what to watch for.
  28. 9 Ways To Go Bankrupt

    It may seem obvious, anyone who continuously spends more than they are making will be facing bankruptcy in no time. But there are some other ways to become flat broke.
  29. Value Traps: Bargain Hunters Beware!

    Find out how to avoid getting sucked in by a deceiving bargain stock.
  30. The Anatomy Of Trading Breakouts

    We'll walk you through this trading strategy from start to finish.
  31. Analyzing Auto Stocks

    Find out what to consider before taking a ride with stocks from this industry.
  32. Top 3 Trends Affecting Private Wealth Management

    Don't miss out on high-net-worth clients because you aren't prepared for their service demands.
  33. Coping With Inflation Risk

    Inflation is less dramatic than a crash, but it can be more devastating to your portfolio.
  34. Index-Linked Certificates Of Deposit: Upside Potential, Low Risk

    Index-linked CDs generate returns similar to indexes, without the potential for loss.
  35. What Caused The Great Depression?

    Learn how government actions may have contributed to this major economic downturn.
  36. The Stock Cycle: What Goes Up Must Come Down

    Stock prices seem random, but there are repeating cycles. Learn to take advantage.
  37. Timber Investments Cut Down Portfolio Risk

    Timber's low correlation to other asset classes can enhance your portfolio's growth.
  38. 5 Mistakes That Can Ruin Your Life (Insurance)

    Don't let these simple errors leave you unprotected. Read on to learn more.
  39. Should You Put Your Faith In A Trust?

    Many institutions want a piece of your portfolio, but trusts can provide a one-stop shop.
  40. Can IRA Transactions Trigger The Wash-Sale Rule?

    In 2008, the IRS said: Yes, they can. Find out what this means and how to avoid penalties.
  41. The Evolution Of Sinful Investing

    Like beauty, whether something is sinful often depends whom you ask.
  42. Run Your Personal Finances Like A Business

    The principles that contribute to success in business can also help you achieve your financial goals.
  43. 9 Tips For Growing A Successful Business

    Give your business what it needs to thrive and it will reward you for years to come.
  44. Preparing For Retirement Plan RMD Season

    Paying taxes is inevitable - that's why you need to learn about the rules for required minimum distributions.
  45. The Short And Distort: Stock Manipulation In A Bear Market

    High-quality stock reports needn't be confused with stock manipulators' dramatic claims.
  46. Evaluating The Board Of Directors

    Corporate structure can tell you a lot about a company's potential. Learn more here.
  47. What's the difference between "top-down" and "bottom-up" investing?

    Before we look at the differences between top-down and bottom-up investing, we should make it clear that both of these approaches have the same goal - to ferret out great stocks. Now, let's look at the different strategies used by top-down vs. bottom-up investors to select companies in which to invest.
  48. I'm a teacher. Which is better for me, a 401(k) or 403(b)? What is the difference? ...

    The first step is to check with your employer regarding any retirement plan(s) it provides for employees, as you can only participate in a plan sponsored by your employer. As an employee, you are not allowed to adopt any employer sponsored plan, including 401(k) and 403(b) plans.
  49. What qualifies a person as a day trader?

    As of Sept 28, 2001, the NASD (now, FINRA) and NYSE amended their definitions of day traders. A new term that they use is "pattern day trader". An investor can be classified as a pattern day trader by having one of the two following characteristics: He or she trades four or more times during ...
  50. Is it permissible for a 70-year-old person to buy an IRA?

    It depends. For Roth IRAs, there are no age restrictions. For Traditional IRAs, there are no age restrictions if you are establishing a new IRA to which you will transfer or roll assets from another IRA or eligible retirement plan, such as a qualified plan, 403(b) account or 457(b) account.
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    YouTube's Partner Program helps users earn money through their channels. Find out how.
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    In spite of the rewards going public can bring, some companies prefer to remain private, and they are very successful in this.
  5. Is Cyber Monday The New Black Friday?

    Cyber Monday is becoming more popular than Black Friday. Here's why.
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