Blog
Latest articles and insights about personal finance.
All Articles
Browse our latest financial articles and insights.
SpaceX IPO
The biggest IPO in history happened on June 12, 2026. SpaceX is now trading on the Nasdaq under the ticker SPCX. The IPO price was fixed at $135 per share. Day 1 opened at $150, up about 11% from the offer, and closed at $160.95, a 19% first-day gain. That close values Elon Musk's rocket company at roughly $2.1 trillion, slightly above Tesla. Unlike a typical listing, SpaceX reserved about 30% of public shares for retail. The IPO allocation tranche through Robinhood, Fidelity, Charles Schwab, SoFi, and E*TRADE closed on June 11. Anyone with a US brokerage account that lists Nasdaq stocks can now buy SPCX on the open market, no minimum required, often with fractional shares for as little as a few dollars. Below: the confirmed numbers, what actually happened on Day 1, how to buy SPCX from the United States via eToro and the major US brokers, and whether it is worth chasing at the current 19% to 33% premium over the IPO price.
Best Stocks to Buy
Deciding on the best stocks to buy now starts with understanding what separates a solid investment from hype. As of mid-2026, the S&P 500 sits near all-time highs with a forward P/E ratio of roughly 21.6x, which is above the 10-year average of 18.8x. That tells us the broad market isn't cheap, but it doesn't mean there aren't opportunities. According to Fidelity's 2026 sector outlook, technology and AI-related companies are leading earnings growth at approximately 28.3%, while healthcare and energy infrastructure are showing strong fundamentals too. The SEC requires all publicly traded companies to file standardized financial disclosures, which means you have access to the same data Wall Street analysts use. You just need to know what to look for. We've spent years building financial comparison content across 23 markets at Financer, and one thing holds true everywhere: the top stocks to buy in any year are the ones that match your financial situation, your risk tolerance, and your time horizon. Not the ones your coworker mentioned at lunch. So what actually makes a stock worth your money? A few core metrics do the heavy lifting: * **P/E Ratio (Price-to-Earnings):** Tells you how much you're paying per dollar of earnings. A P/E of 15 means you pay $15 for every $1 the company earns. Lower isn't always better (growth companies often have higher P/Es), but comparing P/E within the same sector gives you a sense of relative value. * **Earnings Per Share (EPS):** Total company profit divided by shares outstanding. Rising EPS over several quarters signals a company that's growing profitably, not just growing revenue. * **Revenue Growth:** Year-over-year sales increases show whether the company is expanding. But revenue alone isn't enough. A company growing sales at 40% while burning cash isn't necessarily a good buy. * **Free Cash Flow (FCF):** Cash left over after the company pays for operations and capital expenditures. This is the money available for dividends, buybacks, debt reduction, or reinvestment. We pay close attention to this one. * **Dividend Yield:** Annual dividends divided by share price. Relevant if you want income, less so if you're focused on growth. A 3% yield is solid; a 9% yield often signals a company in trouble (the price dropped, inflating the yield). * **Debt-to-Equity Ratio:** How leveraged a company is. High debt isn't automatically bad (utilities carry a lot of debt by design), but compare within the sector. Right now, the sectors showing the most strength are **Technology and AI** (driven by semiconductor demand and AI infrastructure buildout), **Healthcare** (attractively valued with tailwinds from AI-powered drug discovery and an aging population), and **Energy/Power Infrastructure** (AI data centers are consuming enormous amounts of electricity, and the clean energy transition continues). Three consecutive years of above-average market returns mean broad-market gains may moderate going forward, but earnings growth is broadening beyond mega-cap tech, which is actually healthy. The biggest variables for the rest of 2026? The Fed's rate path and geopolitical uncertainty, particularly around trade policy. Both can move markets fast.
Sharing Financial Responsibility in a Business Partnership
Starting a venture with a partner sounds great on paper. You split the workload, trade ideas over expensive coffee, and double your pool of skills overnight. The money side usually gets pushed to the bottom of the agenda during those early, optimistic conversations. Things get complicated the moment the first invoices land. One co-founder wants the premium office chairs, the other is happy on a wooden crate. Suddenly you have two very different definitions of "necessary expense." Before you sign anything together, you both need a clear picture of who is actually on the hook when the bank account runs dry. Understanding the financial structure of your partnership protects the business and the friendship behind it.
Personal Finance System
Managing personal finances effectively remains one of the most universally difficult skills to develop. The challenge is not a lack of available information or tools. In fact, the opposite is true: the sheer volume of budgeting apps, investment platforms, and conflicting advice creates decision paralysis. The real problem for most people is the absence of a reliable, repeatable system. Without a structured approach to earning, spending, saving, and investing, even a high income can disappear month after month with little to show for it.
Forex Scams Guide
[Forex](/invest/) is the largest financial market in the world, with a daily trading volume above **$7.5 trillion**. It's a real, regulated market used by banks, corporations, and millions of individual traders. But around this legitimate market, a whole ecosystem of fraud has developed. Unregistered brokers, Ponzi schemes disguised as "forex investments," self-proclaimed "account managers" who drain your balance, and signal groups that profit from your subscription fees rather than actual trading. In the U.S., the **CFTC** (Commodity Futures Trading Commission) and the **NFA** (National Futures Association) have issued dozens of warnings about fraudulent entities operating under the cover of forex. This article shows you how to tell a legitimate platform from a scam and how to protect your money.
Financer Partners Launch
[Financer Partners](https://financer.com/partners/) is how financial companies get listed on our platform, and make sure that listing actually represents them well. We run comparison pages across 23 countries. Millions of people use them to research loans, credit cards, savings accounts, and other financial products before they sign up. The program gives providers a direct say in how they show up in those comparisons. It covers:
Poorest Countries in Europe
Europe, despite being considered a prosperous continent, conceals dramatic economic disparities between its nations. In 2026, the GDP per capita differences between Europe's wealthiest and poorest countries are staggering–from over $100,000 in Luxembourg to just $6,380 in Ukraine, which holds the unfortunate title of Europe's poorest country. This position is largely due to the devastating war that has raged on Ukrainian territory for four years. For Americans, understanding European poverty matters for several critical reasons: geopolitical stability, U.S. foreign aid investment, humanitarian context, and business opportunities. Economic desperation in these regions fuels migration crises, political extremism, and instability that affects American strategic interests. This detailed analysis examines the 11 poorest countries in Europe, including both EU member states and nations outside the bloc. The data presented is based on GDP per capita in U.S. dollars and reflects complex structural challenges: communist legacy, armed conflicts, systemic corruption, and political instability. Let's explore the economic reality of these nations and the factors keeping them at the bottom of the European rankings.
Stock Market Crash
The question on every investor's mind right now is whether the stock market will crash in 2026. And for the first time in years, the risk factors are stacking up faster than Wall Street can process them. The U.S.-Iran war that began on February 28 has sent oil prices surging 66% in just over a week, from $67 to over $111 per barrel. Iran's closure of the Strait of Hormuz disrupted roughly 20% of global petroleum exports, triggering the fastest oil price spike in more than 40 years. Gas prices have already jumped 50 cents per gallon, and some analysts warn crude could reach $150. This geopolitical shock lands on top of already extreme market conditions. The [Buffett Indicator](/invest/buffett-indicator/) hovers near 217-228% of GDP, while the [CAPE ratio](/invest/shiller-p-e-ratio/) has climbed to 39.8, its second-highest reading in 150 years. The S&P 500 sits roughly flat year-to-date after recovering from earlier selloffs, but the combination of war, oil, tariffs, and sky-high valuations has created a uniquely dangerous cocktail. If you're wondering "is the stock market crashing?" after watching the recent turbulence, you're not alone. This analysis examines every major risk factor and the next stock market crash prediction models to help you understand what might lie ahead for your portfolio.
Poorest Countries
South Sudan holds the grim distinction of being the poorest country in the world, with a GDP per capita (PPP) of just $716. But South Sudan is far from alone. Across Sub-Saharan Africa, the Middle East, and parts of Asia, entire populations survive on incomes that most Americans would spend on a single meal. This article ranks the top 10 poorest countries in the world by GDP per capita, examining why each nation remains trapped in extreme poverty. We also touch on the broader picture: among the top 20 poorest countries, 18 are in Sub-Saharan Africa, with only Afghanistan and Yemen breaking that pattern. Economists measure national poverty using GDP per capita adjusted for purchasing power parity (PPP), which accounts for local price differences. By this standard, the poorest countries in the world average roughly $1,600 per person per year. Compare that to the richest 10 countries, where the average exceeds $118,000. As of 2026, the World Bank estimates that approximately 831 million people worldwide live in extreme poverty, defined as surviving on less than $3.00 per day (the updated international poverty line as of June 2025). Which is the poorest country in the world right now? By every major measure, South Sudan holds that position, followed closely by Burundi and the Central African Republic.
