![A picture of various cryptocurrencies](https://www.bankrate.com/2020/08/19164919/What-is-cryptocurrency.jpeg?auto=webp&fit=crop&width=230&height=150)
What is cryptocurrency?
Cryptocurrencies are managed through what’s called a distributed ledger such as blockchain.
Our goal is to get wiser every day and avoid the mistakes of the past.
— James Royal, Ph.D.
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.
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.
Cryptocurrencies are managed through what’s called a distributed ledger such as blockchain.
Are you looking for targeted exposure to an investing sector? An ETF can help with that.
These are ten of the top index funds to consider adding to your portfolio this year.
Here are the best-performing and worst-performing stocks in the S&P 500.
Here’s how to handle a volatile stock market if you’re about to retire, according to experts.
Smart investors use asset allocation to create a portfolio that meets their financial needs and temperament
The beneficiary is typically a person, but it could be any number of individuals as well as other entities.
Here’s how to roll over your thrift savings plan into an IRA, and what to watch out for.
Some investors think investing in farmland is recession proof. Here’s how to get started.
When is the stock market closed? Here’s a list of days when the major exchanges observe holidays.
This type of account can help your child save for retirement as soon as they start earning income.
Think SEC filings are boring? Think again. Here are the key filings every investor should know.
Looking to invest in the financial sector? Here are some ETFs to consider for your portfolio.
These are your options if you’ve inherited a 401(k) account.
If you want to trade options, be sure to avoid these common mistakes.
A spot Ethereum ETF pools money from investors to purchase Ethereum directly.