Binance review 2025
While the fees are low, clients might be paying for it with minimal customer assistance.
5 min read
Jan 13, 2025
James Royal, Ph.D.
Principal writer, Investing and wealth management
EXPERTISE
- Investing
- Wealth management
- Behavioral finance
- Stock analysis
EDUCATION
- Bachelor of Science in management, University of Florida
- Master of Arts in English, University of Florida
- Doctorate in English, University of Florida
Our goal is to get wiser every day and avoid the mistakes of the past.
— James Royal, Ph.D.
About the author
Bankrate principal writer and editor James F. Royal, Ph.D. covers investing and wealth management. His work has been cited across major media, including CNBC, the Washington Post, The New York Times and the Associated Press. Royal believes in the power of education to help individuals make smart financial decisions that can positively and significantly improve their lives.
Experience
James is the author of The Zen of Thrift Conversions. He’s a veteran writer and stock analyst with a history of working in the financial-services industry, including at the Motley Fool and Bankrate.
Education
Royal has a bachelor’s degree in management as well as master’s and doctoral degrees in English earned at the University of Florida.
Media mentions
Our goal is to get wiser every day and avoid the mistakes of the past.
— James Royal, Ph.D.
James's latest articles
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Best growth ETFs: Top funds for growth stocks
Here are some of the top growth ETFs and what you need to look for when buying an ETF.
3 min read Jan 13, 2025 -
7 best ways to invest while you’re in college
From the super-safe to the bold, these investing ideas could be an A+ for your savings.
8 min read Jan 13, 2025 -
Planning to retire in 2025? Do these 7 things now
It’s vital to be fully prepared before you retire, and even make some room in your plans for the unexpected.
7 min read Jan 10, 2025 -
What is the gold standard?
Here’s what the gold standard is and the pros and cons of the gold standard.
3 min read Jan 10, 2025 -
Best Fidelity ETFs
Here are some the best-performing Fidelity ETFs to consider adding to your portfolio.
2 min read Jan 09, 2025 -
How to pick the best 529 plan
Here’s where you’ll find low costs, good benefits and a solid record of investment performance.
11 min read Jan 09, 2025 -
Options chain: Here’s how to read and understand them
Here’s what an option chain is, how it works and how to use it to trade options.
4 min read Jan 08, 2025
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Stock market holidays 2025: US markets are closed on these days
When is the stock market closed? Here’s a list of days when the major exchanges observe holidays.
1 min read Jan 10, 2025 -
7 warning signs that you may need to choose a new financial advisor
Here are seven warning signs that it could be the right time to choose a new financial advisor.
6 min read Jan 07, 2025 -
Best municipal bond funds
Consider adding these municipal bond funds to your portfolio.
4 min read Jan 06, 2025 -
Want to maximize your retirement savings? Do these 7 things to get there
Consider these seven tips to help get your retirement savings on track.
5 min read Dec 19, 2024 -
Dividend stocks: What they are and how to invest in them
These cash payments can account for a significant portion of investors’ total return over time.
6 min read Dec 16, 2024 -
8 ways to get free financial advice
If you can’t afford an advisor, you still have places you can look first for free or cheap advice.
5 min read Dec 16, 2024 -
15 part-time jobs for retirees
You can earn extra money and still enjoy retirement. Check out the possibilities.
5 min read Dec 06, 2024 -
9 biggest 401(k) mistakes to avoid
Don’t make these errors when using a 401(k) to save for retirement.
5 min read Nov 20, 2024