There are many smart ways to invest $100k, including spreading it out into different investment vehicles or putting the entire lump sum into one investment product, such as a business or real estate. Different asset classes — including equities, real estate, and treasury bonds — have different risk profiles, time horizons, and potential returns. Depending on your reasons for investing and your general financial goals, you probably want to consider a combination of these options when deciding what to do with $100k.

Although recessions and depressions represent periods of decline in the stock market and the economy, there are some important differences between them. Recessions happen more frequently and are marked by a drop in the stock market, a rise in employment, and stagnating wages. Depressions encompass these effects to a greater degree. You will see much steeper declines in the stock market and very high employment, which can lead to runs on banks and a deflationary spiral.

Yes, business owners and self-employed individuals can file tax deductions for expenses related to the purchase and operational maintenance of business vehicles. That includes deducting the purchase of a vehicle via Section 179. You can also deduct expenses for vehicles you use for personal reasons if you mean certain requirements.

Transferring your rewards points from Amex to Delta is relatively easy as long as you have online accounts with Delta and American Express. You can either search for a flight you would like to book via Delta’s website or just transfer the points to your SkyMiles account for a future flight purchase. There are certain fees that you should be aware of before you make a transfer or buy the ticket.

Separate and marital property are terms used to define ownership of property by either spouse before, during, or after marriage. Separate property can become marital property in a few ways, depending on how the property was derived, when it was received, and if the separate property has “commingled” with other assets. In most cases, all property received from the date of marriage will be considered marital property, except in cases of a unilateral transfer or gifts.

Mobile banking comes with several benefits for consumers, including accessibility, convenience, and better security. As mobile banking with bank apps becomes more popular, banks and financial institutions have upgraded to better security features and user interface experience. Although people will generally use mobile banking apps for their primary banking services, other mobile investment and financial apps can offer other services as well.

Amazon Prime Day is one of the biggest shopping events of the year, available exclusively to Amazon Prime members. For those looking to score some stellar deals on Amazon Prime Day, it’s important to understand the basic structure, such as the difference between flash deals and lightning deals. To guarantee yourself access to the most coveted items, it’s best to be prepared with things like a ranked wish list, price histories, and research beforehand.

Unfortunately, federal law stipulates that people cannot write checks from their savings accounts. You can still get cash from an ATM through your savings account and move the money from your savings account into your checking account, which will enable you to write checks. There are other types of accounts, such as money market accounts, that are more flexible and allow you to earn interest and write checks.

Checking account fees are charges banks impose for account maintenance, overdrafts, ATM usage, and various transaction services. Most fees are avoidable through direct deposit, minimum balance requirements, or choosing an account that doesn’t charge them.

Believe it or not, $20,000 can be a good amount of capital with which to start a profitable business. You just have to pick one that has low initial overhead costs and capital outlay. Yard work, photography, food trucks, and many online-based businesses can require a small investment but grow exponentially. It’s important to model out the costs, including buffers and break-even costs, when planning to start your own business with less than $20k.