Nina Semczuk
- Personal finance
- Financial planning
- Investing
- Retirement planning
- Bachelor of Science, TV and Film, Boston University
- Master of Fine Arts, Creative Writing, St. Joseph’s University
Financial literacy is a crucial part of owning your life.
— Nina Semczuk
Nina Semczuk is a wealth editor on the Bankrate team. In previous roles, she’s worked on content for SmartAsset, MagnifyMoney, LendingTree, Money, Fairygodboss and The Muse. Her writing in the personal finance and career space has been syndicated by numerous outlets and she has been featured in webinars and newsletters.
Nina started her path toward financial literacy at fourteen after filling out her first W-4 and earning her first paycheck. Since then, she's navigated the world of investing, mortgages, VA loans, Roth IRAs and the tax consequences of changing cities, states or countries at least once a year. She served in the U.S. Army for five years before moving to New York City and later, the Hudson Valley.
Nina wants you to know
A coworker early in my career advised me to save early and often for retirement. While saving for retirement in your early twenties isn’t sexy, it sets you up for future stability.
Nina's recommended readings
Financial literacy is a crucial part of owning your life.
— Nina Semczuk
Nina's latest articles
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What are stock warrants?
Here’s how stock warrants work, and how to invest in them.
3 min read Jun 15, 2023 -
Strike price vs. exercise price: What’s the difference?
These two terms are interchangeable when it comes to options trading.
1 min read Jun 12, 2023 -
Accredited investors: Definition and requirements
This classification of investors has access to sophisticated investing products.
2 min read Jun 12, 2023 -
What is a prospectus?
Read this important document before deciding whether to make an investment.
3 min read May 18, 2023 -
What is a blind trust?
This type of trust can be used to help avoid conflicts of interest.
3 min read Mar 24, 2023 -
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What is an average annual yield?
Use this number along with others for investment analysis.
3 min read Mar 23, 2023
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What is the New York Stock Exchange?
New York is home to the world’s largest stock exchange.
3 min read Jan 10, 2023 -
What is a hedge fund?
If you’re an accredited investor, hedge funds are one of your investment options.
4 min read Jan 10, 2023 -
Current ratio: What it is and how to calculate it
Current assets divided by current liabilities equals the current ratio.
3 min read Jan 10, 2023 -
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What is financial leverage?
Financial leverage is a strategy used to potentially increase returns. Investors use borrowed funds intending to expand gains from an investment. Simply put, it’s borrowing money to make more money. [...]
4 min read Dec 22, 2022 -
What is financial liquidity?
Financial liquidity is the ease at which an asset can be converted into cash. Conversely, an asset that is considered illiquid cannot be easily converted into cash or is difficult to trade.
4 min read Dec 22, 2022 -
Balance sheets: what they are and how to use them
A balance sheet is a financial statement that reports a company’s assets, liabilities and shareholder equity at a specific point in time.
3 min read Dec 22, 2022