Personal Finance
News from Derivatives: A Good Choice For Beginning Investors? – RTT News:

11/22/2011 7:44 AM ET

(RTTNews) –┬áThere are a number of ways to invest your money. Beginning investors often stick to stocks and bonds, but for those willing to make faster moves, derivatives could be a way to improve returns. But investors dipping into derivative investing for the first time should keep some risks in mind.

A derivative is a security that’s based on some other underlying assets. For instance, a derivative might give the right to purchase a certain stock at a certain price. Often times, these are used for hedging other investments, but can be used as a primary trading instrument as well. Many traders like derivatives because they can help limit downside risk, while maximizing upside potential.

“I think that derivatives are mostly p…………… continues on Derivatives: A Good Choice For Beginning Investors? – RTT News

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Personal Finance: It’s time to gather ’round and talk turkey
News from Sacramento Bee:

It’s time to talk turkey. No, not that big bird in the oven, but the chance to chat about a far less mouth-watering topic: family finances.

This week, as parents, kids and siblings gather ’round for the Thanksgiving holiday, financial experts say it can be an ideal time to initiate conversations about money matters.

“It’s a family-centered holiday and a good time to talk,” said Eleanor Blayney, a certified financial planner and consumer advocate with the CFP Board of Standards in Washington, D.C.

To make the conversation-starters easier, we’ve broken them down by category:

Your parents

It can be a delicate topic to broach. If you come across as aggressive or condescending, it can sound like you’re only interested in how much money they’ve got or how much you’ll inherit.

“Your approach is crucial,” said Cindy Adams, a Sacramento-based certified financial planner. “Family dynamics can be explosive. Be compassionate: ‘Wh…………… continues on Sacramento Bee

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