Secondary mortgage market: What it is and how it works
As a homeowner, you don’t know it, but it affects who may actually own your home loan.
8 min read
May 21, 2024
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
CNBC
Yahoo Finance
Reuters
Cheddar TV
Forbes
Barron’s
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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Tax cuts are set to expire in 2025 – Is it time to do a Roth IRA conversion?
Here’s why a Roth IRA conversion may make sense for you – and pitfalls to beware.
4 min read May 21, 2024 -
5 best investments that hedge against inflation, and others to avoid
Here are five of the best inflation hedges to help protect your portfolio against inflation.
5 min read May 16, 2024 -
The Great Wealth Transfer: What it means for your money
Here’s how the Great Wealth Transfer may shake up your finances and how to prosper.
4 min read May 16, 2024 -
Buying the dip: Is this a good strategy when markets are falling?
A dip in the market can be used to add to positions in companies that are poised for long-term success.
5 min read May 15, 2024 -
Best Nasdaq ETFs: Top funds for investing in the tech index
Here are the top Nasdaq ETFs and key things you need to look for.
3 min read May 14, 2024 -
How to set up an LLC for investments like Series I bonds
Here’s how an LLC can help when it comes to investing and even obtaining lower-cost healthcare.
5 min read May 13, 2024 -
What is a short squeeze?
Metaphorically, a short squeeze is investors rushing out of a crowded theater after someone yells “fire.”
6 min read May 13, 2024
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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 -
Stock market holidays in 2024: 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 Nov 11, 2024 -
What is the Dow Jones Industrial Average?
These companies make up the popular Dow Jones Industrial Average.
3 min read Nov 04, 2024 -
Elon Musk in 2024: What to know about the world’s richest person
Learn which investments helped make Elon Musk the richest person in the world.
8 min read Nov 04, 2024 -
What to do if your Social Security payment is late
Is your Social Security check late? Here’s what to do.
2 min read Oct 29, 2024 -
Best time of the year to retire for tax purposes
When you retire can potentially have a big impact on your retirement income and the taxes you owe.
4 min read Oct 24, 2024 -
Warren Buffett: Top investing lessons and advice from Berkshire’s legendary CEO
Here’s what else you should know about Warren Buffett, his investment approach and largest holdings.
8 min read Oct 22, 2024 -
What is Bitcoin mining and how does it work?
Here are the basics on how Bitcoin mining works and some key risks to be aware of.
5 min read Oct 21, 2024