James F. Royal, Ph.D., is a senior reporter on investing and wealth management at Bankrate. He was formerly a stock analyst for The Motley Fool and a writer for NerdWallet. He is the author of The Zen of Thrift Conversions, a book about how to invest in hidden bank stocks. He believes in the power of education to help individuals make smart financial decisions that can markedly improve their lives. Royal is regularly quoted on investing topics in national news media, such as CNBC and Forbes. He holds a doctorate in literature from the University of Florida, where he was an award-winning instructor.