![THE RISKS OF USING PEER-TO-PEER PAYMENT APPS](https://cdn.magzter.com/1344459782/1691407292/articles/1frBVUxF51692697802297/THE-RISKS-OF-USING-PEERTOPEER-PAYMENT-APPS.jpg)
Check an app's user agreement to see whether it keeps your money in a bank or credit union account or invests your money in loans and bonds. Also check for details on whether your money may be insured at a bank or credit union, as well as what happens in the case of the payment app's collapse or bankruptcy.
This story is from the September 2023 edition of Kiplinger's Personal Finance.
Start your 7-day Magzter GOLD free trial to access thousands of curated premium stories, and 9,000+ magazines and newspapers.
Already a subscriber ? Sign In
This story is from the September 2023 edition of Kiplinger's Personal Finance.
Start your 7-day Magzter GOLD free trial to access thousands of curated premium stories, and 9,000+ magazines and newspapers.
Already a subscriber? Sign In
![My Top 30 Index: An Update](https://reseuro.magzter.com/100x125/articles/1194/1721871/O2MR0GXZK1717497213764/MY-TOP-30-INDEX-AN-UPDATE.jpg)
My Top 30 Index: An Update
A year ago, I put together what I called \"my own reinvention\" of the Dow Jones industrial average, the popular 142-year-old large-cap index.
![Balance Your Risk and Reward](https://reseuro.magzter.com/100x125/articles/1194/1721871/DR2ViQNm41717496580792/BALANCE-YOUR-RISK-AND-REWARD.jpg)
Balance Your Risk and Reward
These new ETFs let you cut stock market losses. But you'll sacrifice some gains.
![IS A HYBRID CAR RIGHT FOR YOU?](https://reseuro.magzter.com/100x125/articles/1194/1721871/Zcrd28LPB1717495888972/IS-A-HYBRID-CAR-RIGHT-FOR-YOU.jpg)
IS A HYBRID CAR RIGHT FOR YOU?
Hybrids offer a fuel-saving option for drivers who have reservations about all-electric vehicles. But there are trade-offs.
![HOW TO REACH YOUR INVESTING GOALS](https://reseuro.magzter.com/100x125/articles/1194/1721871/-HSjQttSt1717492066583/HOW-TO-REACH-YOUR-INVESTING-GOALS.jpg)
HOW TO REACH YOUR INVESTING GOALS
Patience helped these four investors make their portfolios work for them.
![WHERE TO INVEST NOW](https://reseuro.magzter.com/100x125/articles/1194/1721871/XJ0R5sWkt1717486869520/WHERE-TO-INVEST-NOW.jpg)
WHERE TO INVEST NOW
Expect a lot of midyear churn, with a rally toward the end of 2024.
![TIPS FOR FINANCING A HOME PROJECT](https://reseuro.magzter.com/100x125/articles/1194/1721871/ftX0yaNRJ1717499591395/TIPS-FOR-FINANCING-A-HOME-PROJECT.jpg)
TIPS FOR FINANCING A HOME PROJECT
I recently had a call with a client who was looking to fund the construction of a swimming pool at his house.
![MORE WOMEN THAN EVER ARE STARTING BUSINESSES](https://reseuro.magzter.com/100x125/articles/1194/1721871/719A7ODHm1717499365993/MORE-WOMEN-THAN-EVER-ARE-STARTING-BUSINESSES.jpg)
MORE WOMEN THAN EVER ARE STARTING BUSINESSES
Retail and travel businesses, along with health, beauty and fitness, are popular with women entrepreneurs.
![Finding Home Health Care](https://reseuro.magzter.com/100x125/articles/1194/1721871/z4EGXcZVs1717498427612/FINDING-HOME-HEALTH-CARE.jpg)
Finding Home Health Care
It’s important to hire a caregiver you trust.
![UNDERSTANDING BOND FUND YIELDS](https://reseuro.magzter.com/100x125/articles/1194/1721871/R9Ip1u-QZ1717498108682/UNDERSTANDING-BOND-FUND-YIELDS.jpg)
UNDERSTANDING BOND FUND YIELDS
What's a 30-day SEC yield? A trailing 12-month yield? A yield to maturity? We explain what each measure says about an income fund.
![ANSWERS TO YOUR QUESTIONS ON STUDENT LOANS](https://reseuro.magzter.com/100x125/articles/1194/1721871/Lq6agBPjX1717497708856/ANSWERS-TO-YOUR-QUESTIONS-ON-STUDENT-LOANS.jpg)
ANSWERS TO YOUR QUESTIONS ON STUDENT LOANS
If you have federal student loans, you may benefit from new government policies. Here's what you need to know.