These money and investing tips can help protect your portfolio from market shocks

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Don’t miss these top money and investing features:

These money and investing stories, popular with MarketWatch readers over the past week, offer tips on managing your portfolio smartly and effectively. Read about the Trump administration’s effort to eliminate socially responsible index funds from 401(k) and other retirement plans, how socially responsible funds can boost investment returns, why the 60/40 portfolio allocation still makes sense, and how the coronavirus is affecting Americans’ Social Security and retirement expectations.

INVESTING NEWS & TRENDS
The cyclical rotation is here, Jefferies analysts say. For real this time.

The market story of the second half of 2020 will be beaten-down cyclicals outperforming high-flying growth stocks, Jefferies equity analysts say.
The cyclical rotation is here, Jefferies analysts say. For real this time.

Workers should be able to invest their 401(k)s in companies that won’t harm the climate

A proposed rule could mean that the company that manages

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Top tips to save when shopping online in a lockdown

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Buying second-hand goods on Amazon, eBay or Gumtree could save you money during lockdown. (Christian Wiediger/Unsplash)
Buying second-hand goods on Amazon, eBay or Gumtree could save you money during lockdown. (Christian Wiediger/Unsplash)

From abandoning your basket to timing your spree right, a few insider hacks could save you up to £300 a year shopping online.

We all love getting a good deal, especially in lockdown when cashflow is uncertain.

With that in mind, personal finance experts Ocean Finance has compiled 23 insider tips that could help you save up to £300 every year.

Top 10 money-saving tips

1. Save your shopping for Wednesday, Thursday, and Friday

Retailers tend to offer discounts on Wednesday, Thursday, and Friday, so if you wait until the middle of the week, you could potentially save a lot of money on the items you are looking for.

2. Check store tags to see what is going to be put on sale

For those who like to look in-store before making a purchase

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11 Tips on How and When to File an Amended Tax Return

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Everyone makes mistakes. And sometimes you don’t even realize your errors until well after they’re made. But what if you suddenly realize there’s a mistake on a tax return that you filed months (or years) ago? Or what if there’s a new development that affects the amount of tax you should have paid on a previous return? What do you do now? Whether the mistake or development is in your favor or the government’s, filing an amended tax return is often the next step.

Filing an amended return isn’t particularly difficult, but there are a few things you should know about the process before getting started. It also helps to be familiar with some of the more-common occurrences that can trigger the need for an amended return (in addition to just a mistake). That way, you’ll know to check your previously filed return if and when they happen. Because every … Read More

Top 10 Estate Planning Tips in a Time of Coronavirus

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It has arrived: the unexpected, potentially life-threatening circumstance you had in mind when you set up your estate plan, and now you’re feeling really relieved that you took care of it before the emergency struck. Right?

SEE ALSO: 12 Different Times When You Should Update Your Will

Even if you haven’t already set up your estate plan, and even in today’s world of social distancing, it isn’t too late to get your affairs in order so that you and your family are prepared for the worst. There may be some things out of your control right now, but your estate plan isn’t one of them. Here is what you need, and how you can get it set up, even though — lucky you — you can’t get within 6 feet of a lawyer.

Advance Health Care Directive

Sometimes called a patient advocate designation or health care proxy, this document names

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5 Tips From Master Griller Mark Bittman

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It’s summertime, and the livin’ is easy.

The American cookout is in season, and savory staples like hot dogs, hamburgers and corn on the cob are roasting on grills across the country.

Between beers, burgers and potato salad, hosting a backyard barbecue can burn a hole straight through your wallet.

So how can you save money this summer? We consulted an expert.

5 Cheap Grilling Ideas for Summer

Mark Bittman, author of 20 books including “How to Grill Everything,” knows his way around a grill. The former New York Times columnist gave us some tips on how to break out the grill without breaking the bank.

1. Stick to the Basics When You Buy Grilling Accessories

Aileen Perilla/The Penny Hoarder

Walk down any grilling aisle or peruse grilling goods online, and you’re bombarded with a trove of pricy accessories.

But Bittman said the only accessories you really need are

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Personal Finance News Information Tips

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Greetings all,

I guess it’s about time to shut down this blog, Top Finance Blog. It’s been a nice run of 11 years and initially I had a lot of fun and made some nice money, but those days are gone and it’s time to move on.

Since I never had many return visitors or subscribers and had only one comment in the last 5 months, I doubt anyone will actually read this. But that’s okay because I’m turning off comments in any case, so I’ll probably never know if anyone ever cared about most of the content here in the last few years or so.

However, if there were things here that interested you, here’s a bit of information for you. Many of the articles here will be repurpose elsewhere. They’ll either go to my accountant’s blog, who I write for, or my relatively local blog, Syracuse Wiki, where

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Tips to Make Money Online With Your Website

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Home >>
Making Money

Don’t read any more of this page until you truly understand what it takes to make money online. Click here to learn the fundamentals and avoid common mistakes.

I am so thankful for the Internet because I have been able to earn a passive income from my sites since 1998, and I was able to leave my 9 to 5 in 2006. The image above is a snapshot of my ShareASale affiliate program payment.

(Learn more about affiliate marketing here.)

One reason I’m able to do so well with that program is I teach people how to use and customize the theme so a lot of people buy the product from my link. That’s where most of those earnings above come from.pile of money

You can also make money online using the same principles in almost any niche, but you have to know that times have changed. Now,

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Insurance Tips: 10 Steps to Buying Car Insurance

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Experts recommend that if you have a lot of assets, you should get enough liability coverage to protect them. Let’s say you have $50,000 of bodily injury liability coverage but $100,000 in personal assets. If you’re at fault in an accident, attorneys for the other party could go after you for the $50,000 in medical bills that aren’t covered by your policy.

The general recommendations for liability limits are $50,000 bodily injury liability for one person injured in an accident, $100,000 for all people injured in an accident and $25,000 property damage liability (usually expressed in insurance shorthand as 50/100/25). Here again, let your financial situation be your guide. If you have no assets that an attorney can seek, don’t buy coverage unnecessarily.

Your driving habits might also be a consideration in determining the coverage you need. If your past is filled with crumpled fenders, if you routinely speed, or

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Money Order Basics: Tips for Payments

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Whether you’re buying or selling something, a money order might be your best option (or your only option) for payment. It’s considered a “safe” form of payment, making it a popular alternative to checks. But it’s important to understand the basic pros and cons of using money orders—and when other payment methods are a better choice.

What Is a Money Order?

A money order is a paper document, similar to a check, used for making payments. Money orders are prepaid, so they are only issued after a buyer pays for the money order with cash or another form of guaranteed funds.

Guaranteed Funds

Because issuers demand payment upfront, money orders are considered relatively safe, or “guaranteed,” forms of payment. They shouldn’t bounce—as personal checks might.

Specific Payee

The name of a payee (the recipient) and the name of a financial institution that issued it appear on

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AFTA Personal trainer certification, fitness certification, fitness tips, fitness articles, bob harper, bob harper trainer, nutrition certification, personal training education courses, online personal trainer certification

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New Continuing Education Courses
have been added on the Recertification page!


 


Making a positive difference in
the health, wellness, and fitness of people around you is a goal you
can accomplish.  AFTA’s continuing research in the personal
trainer, fitness-related, and nutrition fields gives you up-to-date
certification courses.


 


 

The more training and education you
have, the better and more credible you’ll be as a trainer or
instructor.  Continuing education courses and additional
certifications can help you achieve that goal. 

 

In addition to
single certification courses, AFTA also offers combination courses
and partner programs for discounted purchases. Partner programs are
explained further on each course’s webpage.

 

 

AFTA

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