Adam Hayes, Ph.D., CFA, is a financial writer with 15+ years Wall Street experience as a derivatives trader. Besides his extensive derivative trading expertise, Adam is an expert in economics and ...

David Gorton, CPA, has 5+ years of professional experience in accounting. He teaches accounting, helping promote financial education and awareness. Michele Pevide / Getty Images The average retired ...

Winter has arrived, delivering snowstorms, icy rain and plummeting temperatures. That can make it more difficult to keep your utility bill at a manageable level, and if you have family staying with ...

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