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18 February 2013

Mutual Funds: What Are They? Are They Safe? How Do I Choose?

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I want to provide you an overview to help you decide if mutual funds merit further investigation as an investment option for your portfolio by addressing the following questions: What are mutual funds? Are mutual funds a good investment vehicle? How safe is this type of investment? How do I choose a mutual fund company?

27 January 2013

9 Things Every New Graduate Must Buy

As you transition from the college campus to the working world, it is inevitable that you would need to spend some money on necessary items. Rather than think of what it is costing you, consider it an investment for your career and your future. Here are nine things that any new graduate like you must buy to be a professional and advance your career. Don’t get these confused with items you shouldn’t buy.

10 December 2012

5 Tips for Spending your First Paycheck

Payday has finally come and you are staring and your first ever paycheck. This is probably one of the most unforgettable moments of your life. Yes, it is very tempting to go wild and spend it all in one go. After all, it is what tradition dictates that you do. However, is it really the smartest way to go about enjoying your paycheck?

12 November 2012

4 Bond Strategies You Can Use To Grow Your Portfolio

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Investing in bonds is just one way to diversify your investment portfolio. After all you should not put all your eggs in one basket. Bonds are a great investment if you want a regular income stream. Many people enjoy receiving the added income while preserving their initial investment. When it comes to investing in bonds, there are actually many different strategies that you can employ.

27 September 2012

How Four Types of Financial Agents are Paid

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It is hard to avoid. At some point, you need to work with a banker, broker, agent or realtor to obtain the financial products that can help make you wealthier. The Fed’s Survey of Consumer Finances showed that nearly 40 percent of families will consult a banker or a broker for financial and investment advice. Aside from friends and family, financial agents are the second or third most common source of financial information.

13 September 2012

The Age of Financial Repression

How long has it been since you earned any money by saving? You definitely can’t include the 1 percent interest you earned last year, which was taxed at 15 or 25 percent by the federal government and 5 to 10 percent by your state. No, the interest that you think you made lost ground to the over 2 percent inflation that boosted prices last year. Honestly, it’s been years since you’ve actually saved any money. What your savings accounts have been doing over the last few years is losing money.

27 August 2012

Unusual Investment Ideas

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With the right knowledge, investing can be safe and low risk. These types of investments will not make you a millionaire overnight, but they can build your net worth faster than an ordinary savings account. These instruments are there for the ordinary person who wants to reach his financial goals but does not want to bother that much with them.

21 August 2012

5 Things To Know about Mutual Funds

Mutual funds are professionally managed funds that have been pooled together from a big number of people. Some are managed by investment firms and others may be managed by investment subsidiaries of your banks. You may not be aware of it, but your bank will probably have some form of investment product into which you can enter. Mutual funds are appealing because of their higher returns as compared to regular savings account and certificate of deposits. You also don’t see the money in your savings account; therefore, you cannot withdraw it because you want to buy that bag that you saw in the mall.

13 August 2012

5 Things To Know About Online Stock Trading

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Those of you who were around in the 1980s will likely remember the heyday of Wall Street. So many movies were made about the men (and a few women) who haggled frantically on the trading floor. Nearly everyone wanted to be a stock broker or at least have a good one.

10 August 2012

Should You Invest in Dividend Stocks?

One of the questions that I have been thinking about more often as of lately is whether or not to start investing in dividend stocks. Part of it is to diversify my investments a little further. Currently, I have most of my investments tied up in 3 different retirement funds. It wouldn’t hurt to split this up a little bit further. While I plan to also incorporate real estate investing in the near future, that seems far away and failing to utilize my money now could be missing out on an opportunity to take advantage of compound interest.

2 August 2012

Who Pays Taxes on Government Savings Bonds and When?

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It’s hard to earn interest on your money these days. The returns on CD and savings accounts are so small, they rarely beat inflation. It’s difficult to watch the purchasing power of your savings dwindle every year. No doubt, many are tempted to roll the dice with buying stocks. Stocks may be risky, but most safe investments are guaranteed losers. There is still one bright spot for safe investing; government savings bonds.

2 July 2012

Lazy Portfolios: Are They Worth It?

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By the name itself, you can already get an idea as to what lazy portfolios are about. These are portfolios in which investors can maintain their asset allocations for a long period of time. Because of how these lazy portfolios are structured, investors need not participate in day trading, thus minimizing the time spent on the market.

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