Finance Blog

Stay financially savvy with the Equifax Advisor.

Sign up for our FREE Monthly Email Newsletter


Thank you for signing up for the FREE Equifax monthly newsletter

In addition to keeping in the financial know, you may be interested in checking your credit score and report.

Understand your credit. Help protect your identity.

Equifax Complete™ Premier Plan

  • Know What May Influence Your Credit Score and Be Alerted of Changes
    Credit score monitoring with custom alerts
    Important Disclosure: The Equifax credit score and 3-Bureau credit scores are based on an Equifax credit score model and are not the same scores used by 3rd parties to assess your creditworthiness.¹
  • Help Protect Your Identity
    Automatic fraud alerts encourages lenders to take extra steps to verify your identity²
  • Lock Your Credit
    The ability to lock and unlock your Equifax Credit Report³
Save 75% your first 30 days with the purchase of Equifax Complete™ Premier

$4.95 for the first 30 days, then $19.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds.4

¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.

²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.

4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.

Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.

Investing in Company Stock: Pros and Cons

Written by Jeff Rose on September 13, 2011 in Retirement  |   1 comment

In the late ’90s, I had a client who was excited to see his stock options increasing at a rapid rate. Over the course of a few months, he saw the value of his options increase four times, and he was a millionaire on paper…

In the late ’90s, I had a client who was excited to see his stock options increasing at a rapid rate. Over the course of a few months, he saw the value of his options increase four times, and he was a millionaire on paper literally overnight.

Wanting more and thinking it could never go down, he chose to hang on and subsequently watched his newfound wealth vanish. After a few years, the options expired as worthless, and he is now left remembering how good it was for that short time.

While investing in your company’s stock options may sound like a great perk, weigh your choices carefully before taking this step.

The pros of investing in your company’s stock options

There are several pros to investing in stock options, particularly when you are working for an established company that has growth potential.

  • As a company employee, very often you will be offered discount rates to invest.
  • The company you work for may match or partially match your investment.
  • You have a vested interest in the company, which means you are more vested in the company’s success.
  • Company morale and turnover tend to be lower where employees are able to purchase company stock options, and this can lead to a more pleasant work environment.
  • You may get a higher return or a guaranteed return on your investment.

The cons of investing in your company’s stock options

The above points may make it seem like investing in your company’s stock options is a no-brainer, but there are some risks involved. Here are a few:

  • Lack of diversification. When you make an investment, you typically want a diversified portfolio. When you invest only in your company’s stock options, your entire portfolio is in one place—and that can be risky.
  •  Your financial security is dependent on the success or failure of the company at which you are working.
  •  If the company goes under, you will be hit twofold. You will not only lose your job but you will also lose your investment.
  •  There are usually limitations to selling your stock options once they have been purchased.

Deciding whether or not company stock options are right for you

After hearing the cons, you may be questioning whether or not owning your company’s stock options is actually a good idea. It can be a difficult decision, as there are some compelling reasons to buy and some compelling ones to stay away.

Here are some tips if you are thinking about purchasing your company’s stock options.

Never invest your money just in your company’s stock options. Most experts will tell you that no more than 10 percent to 15 percent of your investments should go into purchasing your company’s stock. I couldn’t agree more.

  • Research your company carefully before purchasing. Don’t just take your boss’s word for this being a good investment. Instead, do what you can to find out the company’s financial state and whether or not it is stable.
  • Think about whether or not you believe in the company. How do you feel it is run? Is it really a place where you feel comfortable investing your money?
  • Carefully read investment terms and know how the company’s plan works. When you buy, does your company guarantee a certain percentage return? Does the company match your purchases? What are the terms you must follow if you decide to sell your stock options down the road?
  • Find the balance. If you decide to invest in your company’s stock options, make sure you are balancing out your investments by also investing your money in other places.

Beginning Financial Building Blocks
What To Do With Your 401(k) When Leaving Your Job?
Beware of Financial Clutter
What Financial Advisors Talk About, and Why You Should Care
The Real Cost of “Free” Financial Advice
Why You Might Need Life Insurance at Retirement

Jeff Rose is an Illinois Certified Financial Planner. He blogs at Good Financial Cents and Soldier of Finance. He loves Crossfit workouts, writes about Roth IRA rules and craves In-N-Out burger. You can follow his updates on Twitter.








The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.

1 comment

Commenting guidelines

We welcome your interest and participation on this forum, but be aware that comments will be published at Equifax's sole discretion. Please don't use this blog to submit questions or concerns about your Equifax credit report or raise customer service issues. Instead, you should contact Equifax directly for all such matters and any attempts to do so in this forum will be promptly re-directed.

Some other factors to consider when commenting:
  1. Registration and privacy. While no registration is required to visit our forum, participants wishing to post a message must register by creating an account. All personal information provided by forum members incident to registration is governed by our Terms of Use and Privacy Policy.
  2. All comments are anonymous. We'll delete your name, e-mail address, and any other identifying information, including details about your investments.
  3. We can't post or respond to every comment - As much as we'd like to, we can't post every comment, nor can we guarantee that we will respond to each individual message. All questions or comments about your Equifax credit report or similar customer service issues should be handled by contacting Equifax directly.
  4. Don't offer specific legal, tax or financial advice. All of the materials on this Site are for information, education, and noncommercial purposes only and this forum is not intended as a means of expressing views or ideas regarding any specific legal, tax, or investment advice. While offering general rules of thumb is both permitted and encouraged, recommending specific ideas or strategies regarding investments, taxes, and related matters is prohibited.
  5. Credit Repair. This blog is not intended as a venue for the discussion or exchange of ideas regarding credit repair or other strategies intended to assist visitors and community members improve or otherwise modify their credit histories, ratings or scores.
  6. Stay on topic. Your comment should be concise and pertain to the specific post in question.
  7. Be respectful of the community. The use of profanity, offensive language, spam, and personal attacks will not be tolerated and egregious or repeat offenders will be banned from future participation. We encourage disagreement and healthy debate, but please refrain from personal attacks on our WordPresss and contributors.
  8. Finally: Participation in this forum may be terminated by Equifax immediately and without notice for failure to comply with any guidelines or Terms of Use. As such, you should familiarize yourself with all pertinent requirements prior to submitting any response through the blog or otherwise. All opinions expressed in this forum are solely those of the individual submitting the comment, and don't necessarily represent the views of Equifax or its management.

Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.

Retirement Archive