Little Risk and Little Rewards

This has not been the best time to earn some good interest on your money. If you are trying to keep your money in low interest investments or accounts, you really don’t stand much to gain. Most online savings accounts are running around the 1.5% APY mark, and the best you can expect from [...]

To Invest in a Recession?

We’ve had a few discussions about the possibility of an upcoming recession including saving money for a recession as well as recession proofing your portfolio.
Well, the buzz about an upcoming recession hasn’t died off since then and people are still concerned. CNN/Money had a “ask the expert” column recently about investing in a recession. [...]

Investing in Stocks with Little Capital

A common problem for the small investor is building up enough capital to make investments in a particular stock that might be appealing. So what exactly can you do if you only have enough money to buy a dozen shares or so of a stock?
Money Magazine has a short article on this issue, concluding in [...]

Personal Finance Lists

People love lists and when it comes to personal finance and investing ideas, this is no exception. Listing the ten ways to save for retirement or the six best places to invest your money are always easy to read and usually have a bit of something interesting to say. Of course, it’s hard [...]

Do You Need a Pro to Manage Your Money?

One of the key features of this website, like most other personal finance sites, is to help keep you informed on all the issues you might face in your financial life. This includes information on loans, credit cards, real estate, mortgages, investments, budgeting, etc.
I think the best thing you can do as an investor, [...]

Trust Deed Investment

A rather overlooked vehicle for investments is with real estate trust deeds. With a relatively low margin of risk and a pretty nice return of about 12% they make a nice addition for retirement income or an IRA investment portfolio.
Diamond Bay Investments specializes in real estate trust deed investments and will work to get [...]

Investing in GreenTech

You can’t turn around these days without reading another article about green products and green living. This constant barrage of information regarding global warming and the state of our environment has made innovative technologies targeting the green market a hot commodity. New startups in greentech or cleantech are hitting the street much like we saw [...]

An Index Fund Run

I’ve longed enjoyed the common sense, straightforward advice you find over at the Motley Fool, and the information in this article on trying to beat the market is no exception. There’s some nice advice in this little article, mainly that you shouldn’t try to beat the market unless you’re willing to put in the work…and [...]

The Psychology of Spending Money

Interesting article today from Yahoo Finance, This is Your Brain on Money. It basically features “five ways your brain can trick you into making financial blunders, and how to avoid them.” The information comes from Jason Zweig’s book Your Money and Your Brain: How the New Science of Neuroeconomics Can Help Make You Rich.
There’s [...]

Sideline Your Cash

There comes a time in every investor’s trading life when for whatever reason you need to pull you money out of one investment or another and put your cash on the sidelines. It might be when you’re shifting your portfolio around due to risk control or you could simply be waiting while you figure out [...]

And then the rates fell…

As has been well documented just about everywhere, the Fed cut the funds rates last month to 4.75%. Opinion is mixed as to whether or not another rate cut is in our future, but they’re certainly not going up anytime soon. The Fed issued this half-point cut largely to quell fears within the credit markets [...]

Why Financial Planning Is Necessary

With all the changes happening today in the finance world, it is absolutely imperative that you get your financial house in order. This includes coming up with a solid and well-thought out financial plan. We have previously discussed assessing your risk profile as well as making a recession proof portfolio. These [...]

Recession Proof your Investment Portfolio

Make sure your investment portfolio is recession proof by following the tips provided here.
Every few years, the US economy seems to cycle around and take a turn for the worse. Oftentimes, these dips are small and the economy quickly recovers. Other times the downturn lasts a bit longer and we endure a recession. [...]

What is Your Personal Financial Risk Profile?

Every individual, whether you are middle-aged investor, retired or a new college graduate, has something called a financial risk profile. Generally speaking, this is the amount of financial risk you can tolerate based on a host of criteria–including such things as your age, income, employment status, location, and so forth. Your risk [...]

Rule Of 72

The Rule Of 72 is a simple and quite common financial rule which simply states that your investment will double it’s initial amount every 72 periods that it is compounded. The formula is written like this: 72/r – where r equals the rate of return per period.
In other words, if you have an initial amount [...]

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