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If you’re lucky and have the money you need during Covid-19, ask yourself this key question

October 14, 2020

More than 22 million American jobs were lost in the past six months; stock markets have been up and down; and people are generally anxious about what’s in their bank accounts right now.

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If you’re lucky enough to have the funds you need despite all the recent economic turbulence, ask yourself one key question, says Bradley T. Klontz, an associate professor of financial psychology at Creighton University: “Why is it OK for you to have money when other people don’t?”

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Answering this question is not about comparing your finances to anyone else’s, he told The New York Times. It’s about seeing money as a tool, rather than as a measuring stick.

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If You’re Only Looking at Tech, You’re Missing Profitable Opportunities

October 7, 2020

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As I told you last Friday, Technology stocks have been a great source of stock price appreciation since the market bottomed on March 23.

I’m sure we all have a collection of investments in the technology sector throughout our portfolios, and I’m sure you’re quite happy with your returns.

As I told you last Friday, The Information Technology Index returning a whopping 39.7% over the trailing year. And that includes the drop in September of 12.1%. One of the challenges is the fundamental valuation of the average underlying companies in the tech sector.

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S&P Information Technology Index Price to Earnings, Price to Book & Price to Sales — Source Bloomberg Finance, L.P.

Many in the stock market continue to be laser-focused on technology stocks. The idea is that placing bets on tech makes for better returns, even if fundamentals are ignored along the way.

3 things to do with extra cash if you’re earning more than you need

October 2, 2020

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Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.

If you’re earning more than you need to cover your bills, congratulations! You can use that cash to build wealth for the long term.
I recommend directing extra cash to any tax-advantaged accounts offered by your employer, or making additional payments on any debts you owe.
You could also use your extra cash to invest in your personal or professional development — additional training pays dividends in the long term.
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If we’re lucky, there comes a point in our lives when we don’t have an immediate need for every dollar we earn.

10 Signs That You’re In A Career Rut

September 27, 2020

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The price to stay in a career rut may be more than you bargained for.

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It happens to all of us. Your job feels like a scene out of the movie, Groundhog Day, where you relive the same mind-numbing events over and over. While every career has peaks and valleys, being stuck in a career rut is different. Check out these warning signs so that you can recognize the red flags and end the grind once and for all.

1. You feel disengaged from your work

A typical sign of a career rut is when the quality of your work begins to suffer. You start missing deadlines, losing confidence and feeling disengaged from your job. You may also become more apathetic and lack the drive you once had. Engaging in these types of self-sabotaging behaviors is a common way to avoid dealing with your lack of fulfillment.

2. You’re

5 Signs You’re Not Ready to Invest More Money Right Now

September 27, 2020

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If you’re sitting on some extra cash right now, consider yourself lucky. Between job losses and market crashes, there are a lot of people who can’t say that this year.Â

You obviously want to hold onto your money and even grow it if you can, so you may be thinking about investing your funds. Now can be a great time to do this, but it depends on your financial situation and investing style. If any of the signs below apply to you, you’re better off keeping your extra cash out of the stock market for now.

Image source: Getty Images.

1. You don’t have any emergency savings

An emergency fund is essential for long-term financial security. Without one, a job loss or other financial crisis could leave you without a way to pay your bills. You might have to take on costly credit card debt or else risk ruining your

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