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Weird Stock Market Indicators

Weird Stock Market Indicators

There are a lot of odd hypotheses and weird indicators when it comes to stock market performance over time.  I thought it would be fun to share a few that have actually been pretty successful over time (there are, of course, thousands of others that are not as successful).   Who knows, maybe there … Keep Reading...

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use a 401(k)

Investing Tip #112: Use a 401(k) for Your Retirement Plan

If you are working for a profit organization, use a 401(k) plan for retirement savings. Put the maximum savings allowed into a tax-deferred investment account. Be sure to contribute enough money to get the employer match if offered by your company. Allocate the money in your retirement plan depending on the amount of risk you are [...]

upstart

Upstart P2P Lending: Is It a Good Option?

Peer to peer lending has revolutionized the traditional loan process. Instead of being tied to a bank for loans you can now turn to regular people to help you get the funding you need. Peer to peer lending is also helping the everyday investor diversify their portfolio and earn high interest in the process. With [...]

don't buy penny stocks

Investing Tip #111: Don’t Buy Penny Stocks

You can accumulate a large number of penny stocks paying only a few dollars. But in investing, it is the quality and not quantity that matters. There is also a common misconception that there is less to lose in buying a low-priced stock and investment can multiply quickly. But in reality penny stocks carry more [...]

Auto Escalation 401k

The New Trend In Automated Savings: Auto-Escalation

When signing up for benefits this year, you may notice something different when it comes to your 401k contribution – opt-out auto-escalation.  Confused?  It’s the idea that employees need to decide NOT to join the 401k and NOT to increase contributions each year, rather than opt in. When enrolling in your benefits, you’ll notice something similar [...]

investing future

Investing Tip #110: Focus on the Future

In investing, it’s what happens in the future that matters most. Though current and past data are relevant for any meaningful analysis, your decision has to based on future potential rather than on what has already happened in the past. If you want to learn more check out these resources: Cash Cow Stocks: Great for [...]

learn technical analysis before trading

Investing Tip #109: Learn Technical Analysis Before Trading

Technical analysis is based on the study of charts and graphs of trading patterns and prices to forecast the future movement of prices through the study of past market data. Statistical tools provide technical indicators based on price and/or volume data. They use current and past market data to indicate market trends and to estimate [...]

investing is not trading

Investing Tip #108: Investing is Not Trading

Investing is not trading. They are quite different ways of making gains from the market. They have different risk profile and need different strategies. If you are a long term investor avoid trading. If you want to learn more check out these resources: What Do You Tell the Successful Stock Picker? Stay Lazy, My Friend

IRA Mistakes

The Five Worst IRA Mistakes Made Everyday

Individual retirement accounts (IRAs) are great vehicles for investing in for retirement. However, as with anything the government creates, they don’t always make it easy to navigate the ins-and-outs of the product. If you currently have an IRA, or are thinking about starting to invest in an IRA, make sure that you don’t do these [...]

invest in small companies selectively

Investing Tip #107: Invest in Small Companies Selectively

Some of the smaller companies have the potential to turn into the large blue chips of tomorrow. The small-caps have had greater returns than large-caps. For example small-cap stocks in the U.S. returned an average of 12 % compared to 11% returned by the Standard & Poor’s 500 Index (S&P 500). But you should still [...]

key to saving

Does Speculation or Accumulation Hold the Key to Saving?

In previous generations, saving money was a relatively simple and formulaic process. Individuals would either enter the workplace straight after leaving school or start an apprenticeship, after which time it is was usual for them to remain in the same role of employment for decades. Throughout the duration of their working life, they could rely [...]

international investing

How to Invest in Companies Outside the USA

Our world is becoming more and more globalized each day. In other words, there is more international trading, more foreign transactions, and simply more interconnectivity between business and countries that are thousands of miles from each other. It is definitely an exciting time to be alive because with this globalization comes many opportunities that did [...]

high sustainable growth rate

Investing Tip #106: Buy Companies with a High Sustainable Growth Rate

Buy companies with high sustainable growth rate. It is the reasonable growth rate that a firm can sustain and can finance using internally generated assets and without additional debt or equity. Its growth based on internal resource generation and the stock records consistent growth. If you want to learn more check out these resources: Key [...]

Job Hunting Tips

Job Hunting Tips For College Graduates

Yesterday we talked about finding your career path, and the simple question that you should be asking yourself when choosing a career.  But how do you land a job in the career you want? The simple answer is this: it takes a plan, and if you’re focused on it after graduation, chances are you’re too [...]

money market securities

Investing Tip #105: Park Surplus Funds in Short Term Money Market Securities

The money market securities mainly include short-term fixed income instruments, treasuries and money market funds. Although they do not offer high returns, you still earn more compared a savings account. You may keep your money parked here until you get better medium term or long term investment options. If you want to learn more check out [...]

Breaking Down a Financial Aid Award Letter

After filling out the FAFSA and applying for enrollment, the financial aid award letter is one of the most important parts of the college application process, as it will give you (or your student) an idea of how much to expect to pay out-of-pocket for college expenses. You’ll find information from your federal government, state [...]

career path

One Question to Help You Find Your Career Path

Do you have a hard time deciding what type of college degree you should go for? Or maybe you’ve already received your degree but realize you might have picked the wrong one. It’s okay to change your mind. After all, part of the process of finding that job you love is discovering which jobs you [...]

complex investment products

Investing Tip #104: Avoid Complex Investment Products

Many companies and funds come out with innovative financial products which are complex to understand. Analyze them meticulously. Before you invest in anything, you need to understand the risk and reward involved. If you want to learn more check out these resources: The Riskiest Investments You Can Make How to Keep Track of Your Portfolio, [...]

Financial Advisor for Millennials

How To Find and Vet A Financial Advisor for Millennials

Millennials are just starting to consider hiring financial advisors en mass, and many different types of financial advisory firms are starting to market specifically to young adults.  Some of these are online services like we’ve reviewed here: WiseBanyan and iQuantifi.  Others are more traditional firms, like Sophia Bera’s Gen Y Financial Planning, but even these firms mix [...]

no load mutual funds

Investing Tip #103: Look for No Load Mutual Funds

You don’t have to pay a front-end or back-end load when purchasing or redeeming the mutual funds issued under the SEC rule 12b-1.  The mutual fund charges only an annual marketing or distribution fee as an operational expense @ 0.25-1% of the current value of the investment. To get the most out of your investments [...]

investing advertisements

Investing Tip #102: Don’t Invest Based on Big Advertisements

Many companies promote IPOs or new funds through aggressive marketing tactics. Always do your own research before buying any financial products. Brokers and agents generally push higher-commission products. If you want to learn more check out these resources: 4 Easy Steps to Grow Your Money How to Use SWOT Analysis for Your Investments