![THE RISKS OF USING PEER-TO-PEER PAYMENT APPS](https://cdn.magzter.com/1344459782/1691407292/articles/1frBVUxF51692697802297/THE-RISKS-OF-USING-PEERTOPEER-PAYMENT-APPS.jpg)
Check an app's user agreement to see whether it keeps your money in a bank or credit union account or invests your money in loans and bonds. Also check for details on whether your money may be insured at a bank or credit union, as well as what happens in the case of the payment app's collapse or bankruptcy.
Denne historien er fra September 2023-utgaven av Kiplinger's Personal Finance.
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Denne historien er fra September 2023-utgaven av Kiplinger's Personal Finance.
Start your 7-day Magzter GOLD free trial to access thousands of curated premium stories, and 9,000+ magazines and newspapers.
Allerede abonnent? Logg på
![My Top 30 Index: An Update](https://reseuro.magzter.com/100x125/articles/1194/1721871/O2MR0GXZK1717497213764/MY-TOP-30-INDEX-AN-UPDATE.jpg)
My Top 30 Index: An Update
A year ago, I put together what I called \"my own reinvention\" of the Dow Jones industrial average, the popular 142-year-old large-cap index.
![Balance Your Risk and Reward](https://reseuro.magzter.com/100x125/articles/1194/1721871/DR2ViQNm41717496580792/BALANCE-YOUR-RISK-AND-REWARD.jpg)
Balance Your Risk and Reward
These new ETFs let you cut stock market losses. But you'll sacrifice some gains.
![IS A HYBRID CAR RIGHT FOR YOU?](https://reseuro.magzter.com/100x125/articles/1194/1721871/Zcrd28LPB1717495888972/IS-A-HYBRID-CAR-RIGHT-FOR-YOU.jpg)
IS A HYBRID CAR RIGHT FOR YOU?
Hybrids offer a fuel-saving option for drivers who have reservations about all-electric vehicles. But there are trade-offs.
![HOW TO REACH YOUR INVESTING GOALS](https://reseuro.magzter.com/100x125/articles/1194/1721871/-HSjQttSt1717492066583/HOW-TO-REACH-YOUR-INVESTING-GOALS.jpg)
HOW TO REACH YOUR INVESTING GOALS
Patience helped these four investors make their portfolios work for them.
![WHERE TO INVEST NOW](https://reseuro.magzter.com/100x125/articles/1194/1721871/XJ0R5sWkt1717486869520/WHERE-TO-INVEST-NOW.jpg)
WHERE TO INVEST NOW
Expect a lot of midyear churn, with a rally toward the end of 2024.
![TIPS FOR FINANCING A HOME PROJECT](https://reseuro.magzter.com/100x125/articles/1194/1721871/ftX0yaNRJ1717499591395/TIPS-FOR-FINANCING-A-HOME-PROJECT.jpg)
TIPS FOR FINANCING A HOME PROJECT
I recently had a call with a client who was looking to fund the construction of a swimming pool at his house.
![MORE WOMEN THAN EVER ARE STARTING BUSINESSES](https://reseuro.magzter.com/100x125/articles/1194/1721871/719A7ODHm1717499365993/MORE-WOMEN-THAN-EVER-ARE-STARTING-BUSINESSES.jpg)
MORE WOMEN THAN EVER ARE STARTING BUSINESSES
Retail and travel businesses, along with health, beauty and fitness, are popular with women entrepreneurs.
![Finding Home Health Care](https://reseuro.magzter.com/100x125/articles/1194/1721871/z4EGXcZVs1717498427612/FINDING-HOME-HEALTH-CARE.jpg)
Finding Home Health Care
It’s important to hire a caregiver you trust.
![UNDERSTANDING BOND FUND YIELDS](https://reseuro.magzter.com/100x125/articles/1194/1721871/R9Ip1u-QZ1717498108682/UNDERSTANDING-BOND-FUND-YIELDS.jpg)
UNDERSTANDING BOND FUND YIELDS
What's a 30-day SEC yield? A trailing 12-month yield? A yield to maturity? We explain what each measure says about an income fund.
![ANSWERS TO YOUR QUESTIONS ON STUDENT LOANS](https://reseuro.magzter.com/100x125/articles/1194/1721871/Lq6agBPjX1717497708856/ANSWERS-TO-YOUR-QUESTIONS-ON-STUDENT-LOANS.jpg)
ANSWERS TO YOUR QUESTIONS ON STUDENT LOANS
If you have federal student loans, you may benefit from new government policies. Here's what you need to know.