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How to bet on a comeback in energy stocks while getting paid to wait

Blue-chip energy names like Exxon Mobil and Chevron have been in a sticky situation lately as WTI Crude oil prices have tumbled since trading nearly $95 in late September, recently tucking under $70 this week. Like the over exaggerated moves in the U.S. Treasury complex as of late, I believe that oil futures and energy […]

It’s easy to get 5% yields. How to soften the tax hit on your big income payers

Uncle Sam is about to take his share of those juicy yields you’ve been earning through 2023. This year, investors didn’t have to work terribly hard to get paid high yields from their income-paying investments. The Crane 100 Money Fund Index touts an annualized 7-day yield of 5.2%. For those willing to sacrifice some liquidity, […]

How to prepare for shifting interest rates: 3 financial strategies

Shoppers walk with items during Black Friday deals at a Target store in Westbury, New York, U.S., November 24, 2023.  Shannon Stapleton | Reuters After more than a year of dealing with rapid inflation, consumers have become numb to higher prices. But as inflation cools, experts say there are strategies that can help you weather current conditions […]

Bond yields will come down in 2024. How to prepare your portfolio

In 2023, you could plop money into a high-yield savings account and get a yield nearing 5% with little effort. Expect to work a little harder for those fixed income returns in the new year. The Federal Reserve’s series of interest rate hikes, which kicked off in 2022, made idle money profitable. One-year certificates of […]

How to send digital gift card on Amazon, Venmo or Cash App

Jeff Greenberg | Universal Images Group | Getty Images Don’t panic if you miss the window to order a gift for someone during the holidays, or are in a faraway state and don’t want to deal with shipping. It’s easy to give a digital gift card that can save you in a pinch. Many of […]

Social Security benefits for workers who have pensions may be reduced

Richard Stephen | Istock | Getty Images When Joyce Debnam’s husband passed away, she began receiving $1,400 a month in Social Security survivor benefits. Eight months later, that income unexpectedly changed. The trigger: Debnam retired from her job at the United States Postal Service in 2013 after four decades of service. That life change prompted […]

ChatGPT training is critical for workers. Here’s how to get started

Jaap Arriens | Nurphoto | Getty Images For those concerned about workers having solid generative AI skills, there’s one way to take control: on-the-job training. “Your job will not be replaced by AI. Your job will be replaced by someone else who uses AI if you don’t,” said John Blackmon, chief AI officer of custom […]

Here’s how to prevent a costly divorce

We all know divorces are not uncommon in the U.S. Some of the most public splits over the years have included those of celebrities such as Johnny Depp and Amber Heard, Jennifer Lopez and Marc Anthony, Katie Holmes and Tom Cruise, and most recently, Joe Jonas and Sophie Turner. In 2021, there were nearly 700,000 […]

Here’s how to use exchange-traded funds in your portfolio, experts say

Morsa Images | Getty Images Whether you’re a new or a seasoned investor, exchange-traded funds, or ETFs, are one option for your portfolio, depending on your goals and risk tolerance, experts say.  ETFs are a wrapper for individual assets such as stocks and bonds, similar to mutual funds. However, many ETFs have better tax efficiency […]