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Rebecca Lake

Home Buying, Retirement and Investing Expert

Rebecca Lake is a retirement, investing and estate planning expert who has been writing about personal finance for a decade. Her expertise in the finance niche also extends to home buying, credit cards, banking and small business. She's worked directly with several major financial and insurance brands, including Citibank, Discover and AIG and her writing has appeared online at U.S. News and World Report, CreditCards.com and Investopedia. Rebecca is a graduate of the University of South Carolina and she also attended Charleston Southern University as a graduate student. Originally from central Virginia, she now lives on the North Carolina coast along with her two children.

Posts by Rebecca Lake:

by Rebecca Lake Sep 17, 2020

Investing is naturally a risky proposition, and there are specific types of risk to be aware of when deciding where to put your money. Liquidity risk is one of them. Broadly speaking, it refers to how easily an asset can be converted to cash and sold. Understanding this type of risk is important because it can directly affect how easily you’re able to move securities in and out of your portfolio. For guidance in evaluating the liquidity risk of a particular investment or the liquidity profile of your overall portfolio, consider enlisting the help of a trusted financial advisor. Read more

by Rebecca Lake Sep 17, 2020

When deciding which companies to invest in, you can use several ratios to gauge their financial health. Debt-to-capital ratio is a way to measure a company’s ability to withstand downturns based on how its debt obligations and available capital compare. This can be a useful metric for avoiding companies that may run into solvency or liquidity issues, which could pose more of a risk to your portfolio. Read more

by Rebecca Lake Sep 14, 2020

Social Security benefits can serve as an additional income stream for retirement, but they can also be paid out under other circumstances. For instance, Social Security survivor benefits can be paid to the widows, widowers and dependents of eligible workers who have died. So if you’re married and have young children, for example, you may be able to receive survivor benefits if your spouse passes away unexpectedly, even if retirement is still decades off. While Social Security survivor benefits are not a substitute for cash savings or life insurance, they can provide some financial relief to loved ones who are left behind. Read more

by Rebecca Lake Sep 14, 2020

If you’ve ever applied for a credit card or completed a job application, you’ve probably been asked for your Social Security number. This unique nine-digit number issued by the Social Security… Read more

by Rebecca Lake Aug 28, 2020

When building an investment portfolio, finding the right balance between risk and reward is essential for meeting your goals while keeping losses in check. One investing term you may have come across… Read more

by Rebecca Lake Aug 26, 2020

Mutual funds can help diversify your investment portfolio. When comparing mutual funds, there are several key metrics to pay attention to, including the expense ratio and the turnover ratio. A mutual… Read more

by Rebecca Lake Aug 25, 2020

If you’re interested in building a portfolio that includes more than stocks, mutual funds or bonds, options trading is an investment alternative you might consider. Trading options involves… Read more

by Rebecca Lake Aug 20, 2020

If you run a business or you’re considering investing in a particular company, you may be concerned with profitability. A company’s financial health can be measured in different ways, including gross… Read more

by Rebecca Lake Aug 20, 2020

Investing in real estate can offer a hedge against inflation while helping you create a diversified portfolio. If at some point you decide you want to shift your real estate investment dollars, you… Read more

by Rebecca Lake Aug 19, 2020

Annuities can be a useful tool for retirement planning if you’re looking for a way to create a guaranteed income stream. You may also choose to receive an annuity rather than a lump sum payment if… Read more

by Rebecca Lake Aug 19, 2020

A Roth individual retirement account (IRA) can be a helpful tool for retirement planning. These tax-advantaged accounts offer a way to save money in addition to what you might be contributing to a… Read more

by Rebecca Lake Aug 17, 2020

As you build an investment portfolio, you probably make a point of considering your asset allocation and how that squares with your risk tolerance. But don’t confuse asset allocation with asset… Read more

by Rebecca Lake Aug 14, 2020

When creating an estate plan, it may be necessary to name a trustee to handle your assets. For example, if you’re establishing a revocable living trust to pass on wealth to your spouse or children, a… Read more

by Rebecca Lake Aug 14, 2020

Stocks can be an important part of a diversified investment portfolio. Individual stock shares are bought and sold on a stock exchange. There are multiple exchanges where stocks and other securities… Read more

by Rebecca Lake Aug 14, 2020

In business, maintaining positive cash flow is vitally important. Cash flow refers to the movement of cash in and out of a business as it generates revenue while also covering its operating expenses.… Read more

by Rebecca Lake Aug 14, 2020

When deciding whether to invest in a company, there are a variety of different metrics you can use. Those include net income, earnings before interest, taxes, depreciation and amortization (EBITDA)… Read more

by Rebecca Lake Aug 10, 2020

Establishing a trust may be on your estate planning to-do list if you want to preserve your wealth for future generations while potentially enjoying some tax advantages. A Crummey trust is a specific… Read more

by Rebecca Lake Aug 10, 2020

Opening an investment account can help you grow wealth for retirement or other financial goals. Brokerage accounts can offer flexibility when it comes to choosing where to invest, and many online… Read more

by Rebecca Lake Aug 10, 2020

There are different ways to classify stocks but one of the simplest is by market capitalization. Market capitalization means the total dollar market value of a company’s outstanding shares. For… Read more

by Rebecca Lake Aug 07, 2020

As part of your company’s benefits package, you may have access to an Employee Stock Purchase Plan, or ESPP. These plans allow you to purchase shares in the company you work for, typically at a… Read more

by Rebecca Lake Aug 07, 2020

When buying life insurance, you may be asked whether you’d like to add on various riders. Riders enhance the policy’s benefits and there are a number you can choose from, including an accelerated… Read more

by Rebecca Lake Aug 06, 2020

When choosing a financial professional to work with, it’s important to find someone who’s reputable and trustworthy. One thing to consider when vetting financial advisors or other professionals is… Read more

by Rebecca Lake Jul 30, 2020

When analyzing stocks or companies to invest in, there are different ratios for gauging financial health. The price-to-book ratio (P/B) is one way to evaluate a stock’s value, something that may be… Read more

by Rebecca Lake Jul 29, 2020

Changing economic conditions can trigger various side effects, including an uptick in inflation. When inflation leads to rising prices and a decline in the purchasing power of money, your dollars and… Read more

by Rebecca Lake Jul 29, 2020

When creating an estate plan, one important question to consider is how to handle the transfer of personal property, including your home. A Qualified Personal Residence Trust, or QPRT, is something… Read more