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TJ Porter

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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7 Best Cash Management Accounts of 2021

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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5 Best Micro-Investing Apps to Buy Stocks with Your Spare Change

Micro-investing is a way to get started investing with a small balance, often as little as $1. Over time, you can build up your savings and move on to investing outside of micro-investing apps. These micro-investing apps are the best to get you started.
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What Is a Qualified Longevity Annuity Contract (QLAC) – Pros & Cons

Even once you retire, you must manage your retirement savings to ensure you have enough money to last the rest of your life, and deal with taxes along the way. Learn the pros and cons of a qualified longevity annuity contract (QLAC) as one option for ensuring you have a stable income in retirement.
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AcreTrader Review – An Easier Way to Invest in Farmland

Real estate investing can be very complex. AcreTrader is a company that helps everyday people invest in an often-overlooked type of real estate: farmland. Can investing in American farmland through AcreTrader be lucrative? Read on to learn the pros and cons to decide if it’s right for you.
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What Is a Good Credit Score – Understanding Credit Ratings & Ranges

When it comes to your credit, it’s important to know how you stack up. Do you have good credit? Excellent credit? Poor credit? How can you find out? Learn what a good credit score is and find out the credit ratings and ranges lenders use to evaluate your creditworthiness.
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ESG Investment Strategy — What It Is, Benefits & How to Get Started

Some investors seek more than just maximum profits at all costs — they want to support companies that make a positive difference and avoid businesses with negative impacts. Learn about environmental, social, and governance (ESG) investing and how to invest for both financial gain and social good.
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How to Evaluate a Mutual Fund Before Investing

Mutual funds are a popular way for investors to build diversified, easy-to-manage portfolios, but no two funds are the same. Understanding how to evaluate different funds can help you choose the right fit for your portfolio. Read on to learn how you can evaluate a mutual fund before investing in it.
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Collectibles as Investments in 2021 — Valuable Types, Risks & Rewards

Collecting appeals to young and old alike. Many people enjoy collecting as a recreational hobby, but investing seriously in collectibles has both advantages and risks. Read on to learn about collecting valuables, how to think about investing in collectibles, and the potential risks and rewards.
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What Is a Target-Date Mutual Fund – Pros & Cons For Retirement Savings

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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Margin Trading – What It Is, Pros & Cons of Trading Stocks With Leverage

Margin trading is an investing strategy that involves borrowing money to invest. This can increase an investor’s potential returns, but it’s risky because it also increases potential losses. How does margin trading work and what are the pros, cons, and risks? Learn the basics here.
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How Investment Fees Can Ruin Your Portfolio Returns

Many types of investments involve fees, and investment companies often charge for their services. What seems like a small fee can have a huge effect on your total returns when compounded over many years. Find out if you’re paying too much in fees and how to reduce the costs of your investments here.
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What Are Financial Derivatives – Common Derivatives Trading Examples

Experienced investors use derivatives for a number of reasons, including as a hedge against risk and as a form of leverage. However, derivatives can be confusing and risky in inexperienced hands. What are financial derivatives and what are the pros and cons of using them? Learn the basics here.