Brian Beers

New York

Managing Editor at Bankrate

Managing Editor @Bankrate. Insight on investing, money, the economy and sports. Previous: @CNBC, @Investopedia, @Magnify_Money & @NBCNews. @Cuse forever.

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Articles

H-Shares vs. A-Shares: What’s the Difference?

1 week ago | businessandamerica.com | Brian Beers

When a Chinese company goes public, it can choose to list its shares on any of the stock exchanges in mainland China, or it can choose the Hong Kong Stock Exchange (HKG). Some companies choose both. H-shares are shares that trade in Hong Kong and A-shares are traded on the mainland. H-shares trade on Hong Kong’s exchanges and are regulated by Chinese law, although it has a separate financial system.
Outsourcing vs. Insourcing: What’s the Difference?

3 weeks ago | businessandamerica.com | Brian Beers

Outsourcing is the process of hiring an outside organization that is not affiliated with the company to complete specific tasks. Insourcing, on the other hand, is a business practice performed within the operational infrastructure of an organization. The main difference between outsourcing and insourcing is the methods in which work, projects, or tasks are divided between various companies and departments for strategic purposes.
How an Investor Can Make Money Short Selling Stocks

3 weeks ago | businessandamerica.com | Brian Beers

Short selling is a strategy that makes money when a stock falls in price. It is also called “going short” or “shorting.” This is an advanced strategy that only experienced traders should try. An investor borrows a stock, sells it, and then buys the stock back to return it to the lender. Short sellers hope that the stock they’re shorting will drop, so they can buy it back at a lower price and return it to the lender.
Warren Buffett To Step Down As Berkshire Hathaway CEO

1 month ago | bankrate.com | Brian Baker |Brian Beers

Warren Buffett told Berkshire Hathaway shareholders that he plans to step down as CEO at the end of 2025 and recommended to the company’s board that his previously identified successor, Greg Abel, take over at that time, ending a 60-year career that created one of the greatest investment records of all time. Buffett made the dramatic announcement at the end of the company’s annual shareholder meeting on Saturday, saying that it would come as a surprise to most of the board and Abel.
7 Tips For Investing In Your 30s

2 months ago | bankrate.com | Brian Baker |Brian Beers |Matthew Goldberg |Dayana Yochim

Your 30s is a time to clarify your financial goals and start ramping up your savings, aiming to set aside 10-15 percent of your income. Choose the right tools — a workplace retirement plan and an IRA — to put your money to work. With decades until retirement age, people in their 30s can afford to be more aggressive investors, even in a volatile market. Your 30s are when a lot of things start coming together. When you reach your 30s, life starts to become a balancing act.
What Is Tether (USDT) And How Does It Work?

2 months ago | bankrate.com | Logan Jacoby |Brian Beers

Tether (USDT) is a stablecoin, which is a type of cryptocurrency designed to maintain a steady value over time. It’s different from other crypto coins, like Bitcoin or Ethereum, because its price is pegged to the U.S. dollar. Here’s what you need to know about Tether and how it works. What is Tether? Tether is a type of cryptocurrency called a stablecoin. The token was created by Tether Limited in 2014. Unlike other types of cryptocurrencies, USDT doesn’t experience wild swings in prices.
Gross, Operating, and Net Profit Margin: What’s the Difference?

2 months ago | businessandamerica.com | Brian Beers

Gross profit margin, operating profit margin, and net profit margin are the three main margin analysis measures that are used to analyze the income statement activities of a firm. Each margin individually gives a very different perspective on the company’s operational efficiency. Comprehensively, the three margins taken together can provide insight into a firm’s operational strengths and weaknesses (SWOT).
How To Invest Your 401(k)

2 months ago | bankrate.com | James Royal |Brian Beers |Rob Johnson |Dayana Yochim

401(k) plans typically offer 10 or more investment options, including stock, bond and target-date mutual funds. Performance history (i.e., long-term investment returns) and management costs are key factors for assessing your options. Savers who want to custom-build a portfolio within the plan need to consider their goals, time horizon, risk tolerance and willingness to monitor the investment mix over time. A target-date fund is a hands-off, set-and-forget investment option.
2026 Social Security COLA: Benefits Estimated To Rise By 2.2% In 2026

2 months ago | bankrate.com | James Royal |Brian Beers |Rachel Christian |Johna Strickland

If you’re a Social Security beneficiary, you may see a boost in your checks starting in 2026. While the official Social Security cost-of-living adjustment (COLA) won’t be released until Oct. 10, the increase for next year is estimated at 2.2 percent, according to The Senior Citizens League, a nonpartisan senior citizens group that accurately predicted the 2.5 percent COLA for 2025.
Financial Indicators of a Successful Company

2 months ago | businessandamerica.com | Brian Beers

Some characteristics of a “good” company may include competitive advantage, above-average management, and market leadership. However, investors commonly look to financial indicators such as stable earnings, return on equity (ROE), and a company’s relative value compared with those of other companies to determine a firm’s potential. Earnings reports help investors the financial success of a company. Earnings may be measured with three metrics: growth, stability, and quality.