Articles written by Daniel Xiao Wang - Page 5

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What is Helium

About me - Daniel Xiao Wang

Like most people I wear many different hats. I am a banker, a youth minister, a scholar, a writer, a dreamer, a politician, a teacher... and so many other things.

I am the Sub-Channel Steward for International Politics and I am also a Pulitzer Center on Crisis

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Personal Finance > Banking Basics The pros and cons of overdraft protection: 2 of 9
Bank fees make up a large portion of the revenue that a financial institution makes every month. One of the most common of those fees, particularly in a challenging economic environment like the current one, is an overdraft fee. An overdraft fee is assessed when you use your debit card or write a check and the funds are not ... More..
Creative Writing > Memoirs Memoirs: The coffee shop: 2 of 9
There is something marvelous about coffee. An enchanting drink that tantalizes my palate and throws open the windows of my mind. I absolutely love coffee and credit coffee for playing such an important part in my life. Coffee, that is, and a little coffee shop in Cape Coral Florida. I was a quiet, shy and reserved young man ... More..
Personal Finance > Mutual Funds Understanding ETFs: 2 of 9
An Exchange Traded Fund (ETF) is a financial instrument that represent a basket of stocks that reflect an index. An ETF is a diversified fund that is not actively managed. What that means in that by investing in an ETF an investor is diversifying their investment into a number of securities, specified by the Exchange Traded ... More..
Personal Finance > Life Insurance Beginner's guide to life insurance: 3 of 12
Insurance is an important financial necessity. Prime among insurance products is life insurance. There are many types of life insurance products out there, and understanding what they are and what their use is can be confusing. Life insurance has many uses and purposes. A visit to an insurance broker could present you with a... More..
Business > International Business & Trade Should the US continue China's privileged trade status?: 3 of 12
The question at issue here is What good would it do to remove China's privileged trade status? The answer is that it would do nothing but harm, add to inflationary pressures and cause unnecessary enmity. Having Most Favored Nations status eliminates some of the import taxes that China would otherwise have to pay, it lowers t... More..
Personal Finance > Personal Finance (Other) How to make it through the tight spots when you can't pay your bills: 2 of 8
Life has its obstacles, like becoming ill, family emergencies, losing your job, getting into a car accident, unexpected expenses but the bills seem to keep on coming. Most of us face an occasional financial crunch, but these overdue bills can cast a shadow that lasts a long time to come. So what can you do when your expenses... More..
Personal Finance > Banking Basics Investing: What are money market funds: 2 of 8
Money market funds are ultra-low risk, conservative accounts held at brokerage firms and investment banks. They are a form of mutual fund that, by US law, invest in very secure, short term investments: Bank certificate of deposits, government bonds, commercial paper, and low risk securities. Due to the secure and short term ... More..
Personal Finance > Insurance (Other) The benefits of purchasing an annuity: 2 of 8
One of the most important decisions about your retirement savings that you can make is where to invest your money. A frequently overlooked option is an annuity. An annuity is an insurance product that offers many guarantees. Annuities come in many shapes and sizes, breaking down according to when you invest in them and how y... More..
Personal Finance > Stock Market How to start investing in the stock market: 1 of 4
As scary as the stock market is these days it remains the single best place to grow your money over the long-term. In fact, a market like this has proven in the past to be present the ideal conditions in which to create a great deal of wealth. It is markets like this one that millionaires and billionaires are born from. To a... More..
Personal Finance > Stock Market What penny shares are worth: 1 of 4
First let us look at what a penny share is. A penny share is a share of stock that trades at near or under 5 dollars. In addition this particular company has a relatively low capitalization, a typical penny stock company will have a brief and often erratic history trading. Not all companies that trade under 5 dollars are con... More..