Last Build Date: Mon, 25 Apr 2016 23:32:20 +0000
Mon, 06 Oct 2014 02:44:15 +0000How to prevent identity theft
You should take the potential for financial identity theft very seriously, as a threat to your financial security. Identity theft sometimes entails a loss of your financial assets. However, whether or not you lose money directly, an identity theft breach can take a very large amount of your time to rectify. Beyond a large expenditure of your time, you could incur hefty legal expenses to protect your financial interests. In addition, serious identity theft incidents can interfere with your ability to pay your bills, make purchases, buy or rent property, get loans, get jobs, etc.[...]
Mon, 26 May 2014 15:39:59 +0000Rational selection of equity and bond mutual funds and ETFs – An Overview
Given the extremely large variety and number of available fixed income and equity investment mutual funds and ETFs, investors need a rational basis to select among them. Without scientific selection criteria and a good understanding of which factors are more or less likely to increase risk-adjusted returns, investors will make erroneous decisions based on false assumptions.Most individual investors want to select bond and equity mutual funds and exchange-traded funds (ETFs) to hold for a long duration.
Many would also like to invest additional amounts automatically into [...]
Thu, 06 Mar 2014 16:00:20 +0000Everyone has similar, yet distinct, financial planning needs regarding their families’ financial futures.
While more wealthy people (think millions of dollars) have greater complexity to their financial affairs (caused largely by our incredibly convoluted U.S. personal tax codes), everyone needs sophisticated financial lifecycle planning. Whether wealthy or not yet wealthy, families need a personalized way to understand how their current financial behaviors could affect their families in the future.Few people already own enough assets to justify the high cost of a competent and objective advisor.
Only those who are more wealthy now can afford to pay directly for highly [...]
Tue, 24 Dec 2013 01:57:03 +0000With this investment book about ETF and mutual funds fees and expenses, you can lower your portfolio investing costs, reduce your portfolio risk exposure, and understand how to invest in stocks and bonds funds directly
This article is about a low cost investing book which is among the most helpful books on personal investing that you can find. Titled Low Cost Mutual Funds and ETFs, this investing book addresses what is the largest challenge that most personal investors face: investment costs that are far too high.
In addition, the low cost investing book provides an easy to understand and clear [...]
Sat, 30 Nov 2013 23:26:32 +0000
Reasons why silver demand is on the rise
Precious metals have been on the decline as the Federal Reserve Bank has reduced and eliminated its last quantative easing stimulus program. Given gold prices today, many investors are convinced that the sentiment for gold and silver will mostly be bearish until next year. However, the price slump of gold and silver is not enough reason for some overseas central banks and US and overseas private investors to sell their precious metal assets. The People’s Bank of China, for example, is not concerned about amassing gold, since it wishes to be a [...]
Thu, 04 Oct 2012 21:20:14 +0000Why a Solid Credit Score Might Be a Young Person’s Best Investment
It’s easy for young investors to get ahead of themselves, diving in headfirst without learning the basics of trading stocks or by attempting to exploit inefficiencies in the futures markets, when only they themselves are being exploited. The truth, however, is that failing to walk before you run can actually be detrimental to both your portfolio and other aspects of your financial life. In particular, your credit standing is one often-overlooked financial consideration that it truly pays not to neglect.
Simply put, credit scores are not sexy. Perhaps [...]
Sat, 19 May 2012 22:18:11 +0000Why Day Trading Is a Terrible Idea
Investing success is built upon the idea of buying an asset at a discounted price, and then holding it for a long period of time as the value of the asset steadily rises due to the expected risk premium inherent in holding your capital in a risky asset. Eventually, over many years, the asset will be worth much more than the initial purchasing price, and the investor can liquidate the position at a very profitable price.
Trading is different, because there is no expected risk premium. It is inherently very short-term and, in [...]
Tue, 24 Jan 2012 19:51:30 +0000
Homeowners live with the fear of break-ins and burglary. Those living in areas prone to floods or earthquakes have an added risk, that of losing their home and property to these natural disasters. But it is not only homeowners who are affected. Renters, too, can lose property to thieves, floods or fires as safety for them is not guaranteed either.
Starting afresh following a loss of personal belongings can be depressing and financially straining, unless of course you have several million dollars sitting idle in some bank or safe. It is one thing to know you have some money somewhere [...]
Sun, 06 Nov 2011 18:17:31 +0000Learning about personal finance and investing
The investment strategy that I always suggest is a “completely passive, globally diversified, always invested, never switch to beat the market” investment strategy. This kind of investment strategy is a very low maintenance investment strategy. From many respects, you set it, and you forget it. Except for:the need to pay expenses exceeding current income, rebalancing to maintain the risk exposure of your portfolio, or some gross and unforeseen failure on the part of a fund to track its index properly,
there is no need to move in and out of investment funds or [...]
Sat, 05 Nov 2011 16:54:45 +0000Why allow the financial industry to help itself to your money?
This blog provides you with objective information that could solidify a lifelong commitment on our part to low cost investing. Low cost investing is how you keep more of your own investments for your family, instead of naively giving your money to the financial industry.
In case you did not notice, the financial services industry has not done the world any favors lately. The financial industry has probably not done you any favors, either. This industry will take as much as it can and then try to take more. [...]