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Home Authors Posts by TJ Porter

TJ Porter

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TJ is a Boston-based writer who focuses on credit cards, credit, and bank accounts. When he's not writing about all things personal finance, he enjoys cooking, esports, soccer, hockey, and games of the video and board varieties.
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Money Management & Saving Tips for Engaged or Newly Married Couples

Getting married is exciting, but it can also be stressful, especially when issues arise around money. If you’re newly married or about to settle down with your significant other, there are ways to manage your money together that can spare your relationship a lot of distress. Read on for our best tips.
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What Is Micro-Investing? – How It Works & What You Need to Know

Micro-investing means making very small investments over a long period of time. Micro-investing platforms make it easy to get started and get your money into the market. Are you ready to dip your toe into investing a little at a time? Learn how to begin here.
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401(k) Employer Match & Vesting Schedule – How It Works

Having an employer make matching contributions to your retirement account is a common and valuable perk. But the money your employer adds to your 401(k) might not be yours right away; often, it’s subject to vesting. What is vesting and how does it impact your retirement savings? Read on to learn more.
Target Date Retirement Funds

What Is a Target-Date Mutual Fund? – Pros & Cons Saving For Retirement

Balancing your investments between stocks and bonds helps you manage risk as you near retirement. Target-date mutual funds automatically rebalance your portfolio toward less volatile investments as you approach your target retirement age. Read on to find out if target-date funds are right for you.
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7 Best Cash Management Accounts of 2020

A cash management account (CMA) lets investors manage their money and effortlessly transfer it to and from their investment account while earning interest. Some even come with debit cards, all but eliminating the need for a separate checking account. But which CMA is right for you?
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9 Best Investments to Make During a Recession With Volatile Markets

The outbreak of the COVID-19 pandemic in the first months of 2020 has led to a lot of U.S. market volatility. But there are still investment opportunities. Understanding what those opportunities are and how to take advantage of them can leave you poised to succeed when the economy returns to normal.
Harvest Money

Tax-Loss Harvesting – Rules, Examples & How It Works

Tax-loss harvesting lets you use underperforming assets to lower your taxes. But managing your portfolio is complicated enough — is tax-loss harvesting even worth it? The short answer is yes. And advisory services leveraging modern technology can help you reap the benefits without the headache.
401k Vs Ira Question

IRA vs. 401(k) Differences – Which Retirement Plan Is Better?

When you're young, it feels like retirement is so far away. And there are competing priorities for your money, like vacations, saving for a house, or buying a new car. It's no surprise the Federal...
Open Brokerage Account

Why You Need a Taxable Brokerage Account in Addition to an IRA & 401(k)

Using a 401(k) or IRA is one of the best ways to save, but these accounts aren't sufficient for all of your investing needs. While they're perfect for retirement savings, you likely have things you want...