Biden’s executive order on cryptocurrency – here’s what it means for you
The government has as much as six months to prepare an assessment of these digital currencies.
2 min read
Mar 09, 2022
James Royal, Ph.D.
Principal writer, Investing and wealth management
EXPERTISE
- Investing
- Wealth management
- Behavioral finance
- Stock analysis
EDUCATION
- Bachelor of Science in management, University of Florida
- Master of Arts in English, University of Florida
- Doctorate in English, University of Florida
Bankrate principal writer and editor James F. Royal, Ph.D. covers investing, financial markets, wealth management, cryptocurrency and retirement issues such as IRAs, 401(k) plans and Social Security — helping individuals make smart financial decisions that can positively and significantly improve their lives. He’s been at Bankrate since 2019, and has been investing in the markets for more than two decades, starting to invest during the “dotcom” boom and bust.
In particular, James is focused on how to invest well, helping individuals build wealth. His articles focus on the real steps to build wealth as well as the financial moves to avoid, those peddled by people just looking to sell you something. Importantly, he also focuses on behavioral finance — an individual’s attitudes and experiences to money and investing — as a key place that people sabotage their own financial future, such as by approaching investing with fear and greed.
His work has been cited across major media, including CNBC, the Washington Post, The New York Times, CNN International and the Associated Press, and he has appeared on TV and radio in countless media outlets. James is also the author of The Zen of Thrift Conversions and Options Trading 101. He previously worked as an editor and analyst at the Motley Fool.
When he’s not thinking and writing about investing, James enjoys reading, French cinema and playing Jeopardy, having appeared on the TV game show.
James beyond Bankrate
Our goal is to get wiser every day and avoid the mistakes of the past.
— James Royal, Ph.D.
James's latest articles
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Survey: More than half of American workers say they’re behind on retirement savings
A full 52 percent of American workers say their retirement savings are not where they need to be.
7 min read Nov 17, 2021 -
Survey: Nearly half of millennials comfortable owning cryptocurrencies
While much of the investing world remains skeptical about cryptocurrency, many millennials have embraced it.
4 min read Nov 01, 2021 -
Social Security payments set to jump 5.9% in 2022 following biggest COLA increase in nearly 40 years
Here’s how much the average Social Security recipient will receive.
2 min read Oct 13, 2021 -
Robinhood IPO: 5 risks investors should consider as shares begin trading
This highly anticipated IPO comes with an interesting wrinkle for individual investors.
6 min read Jul 29, 2021 -
Survey: Real estate and cash top Americans’ list of preferred investments over next 10 years
Real estate was the top choice, but second place was something of a surprise.
4 min read Jun 23, 2021 -
Coinbase IPO: 4 unusual risks in using a direct listing to go public
Coinbase is using a direct listing for its IPO, and that process presents new risks relative to a traditional IPO.
5 min read Apr 14, 2021 -
‘To the moon’: How GameStop-boosting stock traders kicked off a shocking Wall Street feeding frenzy
It may come with a classic Hollywood setup, but the GameStop trading story isn’t quite that simple.
9 min read Jan 29, 2021
