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Graduation season will soon be upon us, and with it, so many admonitions explaining why students are unprepared for the challenges of the real world. Graduation speeches will discuss the trillions in student-loan debt, why spendthrifts need to stop b...

Introducing the annual research ideas publication for Bermuda individual investors — part one. Readers of The Royal Gazette often write to me about Moneywise column topics and how my answers and resource links have helped them find answers to their ...

Dear Dave, I’ve started following your plan, and I’ve got a beginner emergency fund of $1,000 saved. Now that I’m ready to start paying off debt in Baby Step 2, do you recommend paying off credit card balances before or after closing the accounts? MA...

This is a revised version of a food series published in Moneywise 2008. Our Easter bunny has come and gone. Treats of resplendent chocolates, marshmallow peeps, jelly beans, Cadbury creamy-rich eggs, all more costly now, but deliciously consumed wit...

The psychology surrounding stock-market declines and recoveries is fascinating. Any time markets retreat even a little bit, the noise surrounding the event begins to swell. Given how frequently markets twist and turn, you might expect people would be...

Dear Dave, I have my own small business. My annual sales are just over $100,000, and I have a couple of months in administrative and general expenses set aside. Should I have an emergency fund for my company, too? If so, how much? — Taylor Dear Tayl...

Part two: survival planning for relationships in cases of divorce, becoming a widow/widower, partner incapacitation situations and just plain relationship common sense. Readers, you should know that I often use case examples to explain concepts and...

“While 88 per cent of employers think that their employees worry about money, just a third (30 per cent) think money worries impact their staff while at work. However, the reality on the ground is very different. Three-quarters (73 per cent) of emplo...

Think of making a budget like spring-cleaning: it’s a great way to get things in order around your house, and you’ll feel so much better after it’s done. I know lots of people think of a budget as something that limits freedom (I know because I was o...

Ladies, have you planned for your future financial security? It is a statistical fact that women overall live longer than men. Longevity is in the genes in many Bermudian families where we find female individuals surpassing the 90-year and 100-year m...

Dear Dave, I’m an admissions counsellor for a university, and I make $37,000 a year. I spend a lot of time on the road, and I’m trying to get out of debt, but I have one credit card I’m still using for travel expenses. The university refunds me for t...

This article is part two of a basic review of a public company’s financial results and some selected financial ratios that analysts and investors use to assess profitability, suitability, and financial strength. But first, dear readers, as part of t...