Ryan Joseph Valenzuela

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The Problem with Buy Low, Sell High Advice | Investopedia

Of the many common sayings and common wisdom in the finance industry, the most popular is undoubtedly “buy low and sell high.” While it sounds simple …

America’s Retirement Crisis Is Here | Investopedia

<b>The crisis has arrived and will likely be a millstone on U.S. growth for years to come.</b><p>The Washington Post ran an article recently entitled, “One of …

Saving secrets from young super savers

Young super savers do things a little differently from other savers. Here are some of their secrets.<p>The youngest generation in the workforce may have …

The Cognitive Biases That Lead to Bad Money Decisions

If managing money were as easy as crunching some numbers and following a spending plan, we’d all be awesome at it. Money isn’t hard because of the …

How Often Should I Check My Investment Portfolio?

Less is more<p>When it comes to checking your portfolio, think quality, not quantity.<p>“For most people quarterly is more than enough, and for some people …

Stock Prospects: Part 1 Of 4

This weekend, I decided to do still images instead of videos. Showing charts like this takes much, much longer than doing a video, but I know some …

7 ways small businesses can leverage customer data

While big companies have been using big data to identify trends and track customer behavior for a while now, smaller businesses, with smaller budgets …

Here's how the quant guys are making money trading energy

High frequency trading, algorithmic trading, dark pools, and a variety of other technical finance concepts are upending the once cushy job of Wall Street traders everywhere and making computers more and more essential to the trading that powers Wall Street forward each day. More than 80 percent of …

6 Warning Signs You're Sabotaging Your Nest Egg

Depending on how old you are, retirement may seem like a vague, distant goal. Still, <i>even if</i> it's many years off, it's important to pay attention to …

Got 15 Minutes? How You Can Start Investing Today

If you’re under 40, committing to the habit of investing a percentage of your income—even a little bit—is the most important financial move you can …

This Calculator Helps You Decide Whether to Rent Out or Sell Your House

If you own a home you’re thinking of selling, you might earn more over time by renting it out. This calculator from Forbes helps you decide which is …

Strategist: Startups Are Eating Wall Street's Lunch When It Comes to Millennials and Money Management

From robo-advisers to basic index funds, millennials have been a particularly difficult generation for wealth managers on Wall Street to …

STUDY: Middle Class Blacks and Latinos Disproportionately Impacted by Student Debt Crisis

More than 40 million Americans carry a combined record $1.2 trillion in student loan debt, with the average borrower in hock for $29,000. Now, a new …

Download AddThis’ State of the Industry Report

Despite the rise in system-gaming dating apps like Tinder, the chances of finding your soulmate remain astronomically low. Digital marketers might …

Here's what 18 Wall Street pros are predicting for the stock market in 2016

But in the first few weeks of 2016, stocks have turned more sour than expected.<p>The market had its shakiest start to a year ever, the S&P 500 is down 9% year-to-date, and global stocks fell into a bear market.<p>And so it's no surprise that some pros have lowered their year-end expectations.<p>Still, the …

Top 5 Marketing Automation Tools for Small Businesses

Image Credits janeb13, CC0For reasonable monthly or annual rates, marketing automation tools are available to small businesses to save time and money …

5 Mistakes that will destroy your business

<b>Running a business takes a lot of hard work. There are many business owners looking for ways to improve their overall business model. Sometimes, it</b> …

1 Dividend ETF To Buy And 3 To Avoid

Slowly but surely, investors are once again prioritizing dividends.<p>After suffering a full-on panic attack over the Fed’s interest rate hike last year—and ditching high-yielding investments like real estate investment trusts (REITs) in the process—they’re having a change of heart.<p>You can see it in …

Investing

How social psychology can benefit your social media marketing?

Humans use their emotional faculties a lot more than reasoning when making a purchase decision, according to conclusive research evidence. This has …

Why Paying Off Debt Could Actually Hurt Your Homebuying Chances

How you plan and budget your finances can have a big effect on whether or not you can qualify for a home loan. For sound financial planning purposes, eliminating the expenses in your life that contain the highest interest rates first is generally a good approach. After all, why pay more interest, …

3 Rules About Cash Flow That First-Time Business Owners Need to Know

Opinions expressed by <i>Entrepreneur</i> contributors are their own.<p>Many first-time business owners think about cash flow only when their cash reserves are low. Small business owners, however, know that, for them, “cash is king.”<p>For many businesses, getting paid isn’t the problem – it’s <i>when</i>. Lumpy cash …

The Investing War Is Over, and the Index Fund Won

If you want customers to pay more for something, you need to convince them that it’s better than the cheaper options. Investment companies that offer …

The outlook and risks this year for five key sectors of the economy

It looks like the schematic for a new theme park ride: plummet from a lofty height through a series of stomach-churning twists.<p>Unfortunately for most investors and possibly the U.S. economy, it's a chart of the Dow Jones industrial average this month.<p>The Dow is down about 8% this year. The other …

Stock Markets

What Do Rich People Know That the Rest of Us Don't?

<i>Editors' pick: Originally published Jan. 21.</i><p>What exactly do rich people know that you don't about money? Plenty, but the difference might be less …