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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 Oct 08, 2019

The Consumer Price Index (CPI) is an economic term you’ve probably heard before but may not know much about. Broadly speaking, the CPI measures the price of consumer goods and how they’re trending. It’s a tool for measuring how the economy as a whole is faring when it comes to inflation or deflation. When planning how you spend or save your money, the CPI can influence your decisions. Here’s how. Read more

by Rebecca Lake Oct 08, 2019

When saving for retirement, your employer may give you a hand by offering a tax-advantaged savings plan. Your options might include a 401(k) plan or a 457(b) plan. Both plans allow you to contribute money towards retirement on a tax-deferred basis. While there are similarities between a 457(b) and a 401(k), there are also key differences to keep in mind. Those variations can affect how a plan will work for you and your retirement. Read more

by Rebecca Lake Oct 08, 2019

A Roth IRA and its 100% tax-free distributions can hold huge advantages for retirees. Additionally, Roth IRAs aren’t subject to required minimum distributions the way traditional IRAs are. That allows you to grow your money without triggering a tax penalty. However, there’s difference between a Roth IRA qualified distribution and a non-qualified distribution. Knowing that difference can be helpful at tax time. Read more

by Rebecca Lake Oct 07, 2019

Nearly 19%, or 9 million, Americans ages 65 and over are working part- or full-time, according to a recent Pew Research Center analysis. This is consistent with a steady increase dating back to 2000.… Read more

by Rebecca Lake Sep 27, 2019

When you own a business, it’s important to ensure your assets are protected. Being sued or carrying large amounts of debt could pose a threat to both your business and to your own personal finances.… Read more

by Rebecca Lake Sep 26, 2019

Running a small business or being self-employed can offer flexibility, freedom and control over your earning potential. While the perks are plentiful, there’s one thing that’s usually missing when… Read more

by Rebecca Lake Sep 19, 2019

A forward contract is an agreement between two parties to buy or sell an asset at a specified price at a fixed date in the future. This investing strategy is a bit more complex and may not be used by… Read more

by Rebecca Lake Sep 19, 2019

Credit default swaps are a portfolio management tool that gained notoriety during the peak of the 2008 financial crisis. These derivative investments are bit more complex than stocks, mutual funds or… Read more

by Rebecca Lake Sep 18, 2019

Saving through a Roth 401(k) can help you grow a nest egg that you can then tap into in retirement without having to pay taxes. If you leave your job or you’re ready to retire, you may be wondering… Read more

by Rebecca Lake Sep 18, 2019

You might assume that once the closing bell rings, stock market trading is done for the day. In reality, after-market trading can continue on into the late afternoon and evening. Not every brokerage… Read more

by Rebecca Lake Sep 19, 2019

You may be well-versed in the differences between stocks and bonds or how exchange-traded funds (ETFs) work, but a rights offering is one investing term you may not be as familiar with. A rights… Read more

by Rebecca Lake Sep 16, 2019

A pooled investment vehicle is one way to put your money into the stock market alongside other investors. There are several ways to pool money to invest if you’re looking for an alternative to… Read more

by Rebecca Lake Sep 16, 2019

Small cap stocks are one type of stock investment you can hold in your portfolio. These stocks differ from large cap and mid cap stocks in several key ways. There are several advantages associated… Read more

by Rebecca Lake Sep 16, 2019

Living in a community property state may not make a difference to you if you’re single, but it might if you’re married or planning to be soon. Community property states handle the division of assets… Read more

by Rebecca Lake Sep 11, 2019

When working with a financial advisor to manage your money, it’s important to know whether they’re required to uphold a fiduciary duty to their clients. Being a fiduciary means advisors are obligated… Read more

by Rebecca Lake Sep 19, 2019

Large cap stocks are just one type of stock to add to your portfolio. They are the stocks of vary large companies and are often considered safer investments. Like other investments, though, they have… Read more

by Rebecca Lake Sep 09, 2019

Closed-end funds may not be something you’ve heard mentioned often. Your investment portfolio is more likely to include open-end funds, mutual funds or exchange-traded funds (ETFs) instead. However,… Read more

by Rebecca Lake Sep 10, 2019

Mutual funds can be a good way to invest if you want to diversify your portfolio without buying individual stocks or bonds. Aside from knowing which share class you’re investing in, you also need to… Read more

by Rebecca Lake Sep 06, 2019

Technical analysis is one way to evaluate a stock to decide if it’s a good investment for you. If you’re a DIY stock trader, then understanding how this approach works can be helpful in shaping your… Read more

by Rebecca Lake Sep 19, 2019

Stocks are a great option for diversifying your investment portfolio. However, choosing the right ones isn’t always a simple process. Different investment tools and strategies, such as fundamental… Read more

by Rebecca Lake Aug 22, 2019

Retiring from the 9 to 5 can open up new possibilities, but it may take some time to get used to. When heading to work isn’t the primary focus of your days anymore, you may feel a little adrift and… Read more

by Rebecca Lake Aug 23, 2019

A fixed annuity may be something you’re considering as part of your bigger retirement planning picture. An annuity can offer guaranteed income in your later years, which is helpful if you’re worried… Read more

by Rebecca Lake Sep 19, 2019

Trading stocks in a brokerage account can be a great way to grow wealth alongside the money you may be investing in a 401(k) or individual retirement account. The only catch is the fees you may pay… Read more

by Rebecca Lake Aug 21, 2019

Common law marriage status can still apply to couples in states across the U.S. Understanding what constitutes a common law marriage is important from a legal and financial perspective if you’re… Read more

by Rebecca Lake Aug 16, 2019

If Social Security benefits figure into your retirement income plan, then reading your Social Security Statement is a must. This statement can help you estimate how much you’ll receive from Social… Read more