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Articles by Simon Zhen

Writer & Research Analyst

I'm In Over My Head. Who Can Help? Photo of Simon Zhen Simon Zhen I'm In Over My Head. Who Can Help? Do whatever you can to avoid bankruptcy. You’ll extinguish your debts, sure, but... Is My 401(k) Plan a Rip Off? on’t waste your money on expensive 401k plan fees. Knowing if 401k plans are ripping you off can help keep your retirement money in your pocket. Asset Allocation vs. Diversification Investment Strategies While similar, “diversification” and “asset allocation” offer different investment strategies. When Choosing a Credit Card With a Higher APR Makes Sense Photo of Simon Zhen Simon Zhen When Choosing a Credit Card With a Higher APR Makes Sense One of the most perplexing questions that prospective credit card applicants ask... How Much Should You Contribute To 401k Plan? Photo of Simon Zhen Simon Zhen How Much Should You Contribute To 401k Plan? It’s the question that seemingly drives the entire investment industry -- how much... What Is an Umbrella Insurance Policy and Is It Right for You? What is an IRA? Traditional vs. Roth Traditional IRAs and Roth IRAs are two types of IRAs for savings for retirement. Both offer different types of tax benefits, so choose wisely. When Should I Start Saving For Retirement? Photo of Simon Zhen Simon Zhen When Should I Start Saving For Retirement? When should you start? Are you kidding me? You haven’t started already? You... How Much Money Will I Get From Social Security? Photo of Simon Zhen Simon Zhen How Much Money Will I Get From Social Security? Wondering how much will you get from Social Security? Here's the answer: Not... Avoid Debit Card Fraud By Not Swiping At These Places Being a victim of debit card fraud is avoidable by not swiping your debit card at these places, which could lead to credit card fraud.