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Welcome to Guy Fawkes Day. No fireworks from me this week, at least. Readers write to me often with many queries. Often, they just want to know how on earth I manage to find anything to write about, or curious to know where I get my information. So,...

Just because you are investing abroad does not mean you will get a better deal or a higher return. In fact, keeping your money “close to your chest” in your home jurisdiction is very often the safest option. Our Bermuda regulatory system includes man...

Dear Dave, My husband owns a small landscaping and masonry company. His profits over the last couple of years have been about $80,000 annually. We were wondering if we should be setting aside some retained earnings. KIM Dear Kim, Yes, all businesses ...

Understanding bonds, part 3 Companies, governments, individual investors need or want bonds; they are bought and sold every day by the billions of dollars. You now know what a bond looks like, what coupon (interest rate) it can pay, how much the fac...

Dear Dave, I’m 23, and I lost a good job a few days ago due to layoffs. My wife has been a stay-at-home mom with our ten-month-old daughter, and we have very little in the way of savings. What can we do to keep our heads above water? — Seth Dear Set...

This is the second part in a general overview series on bonds for the ordinary layperson. Those wishing to delve into the finite intricacies of bonds (and there are many) are encouraged to go to Investopedia: Bond Basics Tutorial http://www.invest...

Dear Dave, My mom is 95 years old, and she’s in amazing health. Financially speaking, she has about $150,000 in Certificates of Deposit, money market accounts, and savings bonds. Is there a better place she can invest her money? ANONYMOUS Dear Anonym...

Dear Dave, My wife and I are on Baby Step 2 of your plan, and I’m doing an online graduate degree while working full-time. We’re trying to cash flow my education from this point forward after previously taking out student loans. Our household income ...

Understanding bonds — part 1. The Bermuda Investment Primer Series. The recent focus on Donald Trump’s leaked (or however the information was obtained) 1995 partial personal tax return by the New York Times brings up the very interesting topic of jun...

Last week we provided an overview of how reverse mortgages work. This week, we cover the nuts and bolts — meaning what is actually contained within the mortgage documents. So, you thought they would just give you the money because your home has eq...

Dear Dave, I make $2,100 a month after taxes, and I have accumulated $46,000 in credit card debt. My husband makes more than I do, but he won’t help me. He says I got myself into this mess, so it’s my job to stop being irresponsible and fix it on my ...

Readers, this is a current update on a previous article I wrote for Moneywise in The Royal Gazette more than nine years ago. A few weeks ago, readers of The Royal Gazette read an incredibly sad story: “After the tragic loss of my daughter, I’m out o...