Brian Beers

3 weeks 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.

3 weeks 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.

1 month 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).

1 month 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.

1 month 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.