What benefits do you provide to visitors? What
is this site about?
Get
cutting-edge personal finance advice that will cause you to save
money, make more money... and enjoy the ride. Improve your
standard of living, NOW, don't wait till you are old.
Get money-saving tips. Discover ways to
save money that involve little or no sacrifice. Saving
money is fun! Comfortable cost cutting made easy.
Join our investing newsletter that is
geared to real world investors. We strive to generate returns
about 80% of a GOOD stock market, while taking significantly less
risk. We strive for the
"sweet spot" of investing.
See, after taxes, inflation, costs,
capture rate of high risk vs. half the risk - and given the
average person's bet amount, there really is scant POTENTIAL
difference in return if they jack up their risk to TRYto
capture 100% of the GOOD period. Such a huge leap for so little
POTENTIAL strikes us as absurd. Besides, it would take way too
longand demand that you continually reinvest every last
penny of profit, jacking up your bet percent as you age
(contrary to basic finance).
We believe in near term rewards,
not just long term. Life is all about NOW so ENJOY THE RIDE!
We believe in the bulk of our
rewards be rewards that stick (or suffer only marginal
retracement).
We believe that one should ENJOY
the ride, REGARDLESS of what the market is doing. Not from a naive
stance but with a portfolio and strategies that lend themselves to
the objective of a smooth and pleasant ride.
We also showcase personal finance
books that will help improve your bottom line... and ENJOY
the ride more! Here are some that come to mind:
According to the
Federal Reserve (the "financial" branch of the U.S. Govt), only 8%
of the rich got there due in partto stocks. Obviously,
they ALSO had to have a wad of cash due to salary, etc. I mean,
you think they had just $10,000 cost basis? Or, the average
salary? Doesn't compute.
Math is far better at
getting at the truth then talking-head selectively reported
drivel.
If you consider the
9.7% median return (a cherry picked sliver of the stockmarket is
used to represent the "market" - which is known only in hindsight
and not extrapolateable) it's easy to see how hard it is to amass
a fortune via the stock market. Especially since MOST people
LAG
the 9.7% return of "the market." So, the 9.7% is sort of a myth
that is predicated on built in assumptions, galore, being met.
And, assumes not just that the past is prologue, but THAT
particular representative will repeat! That is even more of a
joke. Every beginner uses that method: Buy what is deemed "best"
long term (which is also what is up the most of late, provided it
has skewed its long term up to attractive, from its previous
mediocre return).
Then consider what
portion of your money you can actually invest in stocks. Compare
it, NOT to a hole in the ground as you are told, but to an
OPTIMAL HALF RISK ROTATIONapproach.
Then take out taxes,
inflation and expenses because It's THE NETworth NOT
GROSS
worth that counts.
Don't be duped into
just looking just at FEDERAL capital gain taxes! There are also
Federal dividend taxes and federal taxes on capital gain
distributions.
Then factor in state
and local taxes, which Money Magazine estimates averages about
10%, nationwide.
You're looking at
about 30% hit on your gains. It's hard enough to envision 9.7%
making you rich, but 6.79% BEFORE the historic 3% inflation?
That's 3.79% BEFORE costs. Then compare that to lower risk
alternatives. Don't order the lear jet just yet!
You can find
feedback/testimonials/reviews on our site and ezine
here.
How do I submit an article to your website?
Email
. Keep "Article"
as the subject. Paste your
article into the body of the email message (do
NOT send attachments). No more than 1,000
words, please. Please space each paragraph
apart (as shown on this page). Please do not
write in CAPITAL LETTERS.
What is a good
way to tell a friend about the virtues of this
site?
We get most of our subscribers
and visitors from referrals. This keeps our
costs down so we can provide free content.
Please visit our tell a friend
page and type
in
the email addresses of people you know. As thanks, we will provide
you with a bevy of nice
items.
Or, click:
Can you recommend a tool to improve efficiency?
Roboform fills in forms, instantly.
Click here
to get this form-fill
tool
for FREE (this is NOTa
demo or a trial but a complete program). The download takes only 1
minute. This page will stay open as the file is
downloaded.
Once installed,
when you encounter a form, just click a button and voila, the form will be
filled in. This is a tiny tool that does not bog your system down.
Personal finance news - CNNMoney.com
Financial advice: The yes-man problem Experts have long counseled against using financial planners who charge commissions, given their incentive to simply sell products that pad their paychecks.
Hunkering down for rising interest rates Question: I'm 65, retired and have about 50% of my portfolio in a bond index fund. I'm thinking of switching to a short-term bond fund. Do you think that's a good idea? --Judy, Flowery Branch, Georgia
The wrong way to pick funds Photographer friends tell me that if you're picking out a point-and-shoot camera you shouldn't focus much on the megapixels. That measure of a camera's resolution is hyped by manufacturers, but most cameras on the market give you all the pixels you'll need.
43% say they have less than $10k for retirement The percentage of American workers with virtually no retirement savings grew for the third straight year, according to a survey released Tuesday.
How Uncle Sam wants to boost your retirement Usually I cringe when our leaders in Washington try to help improve our finances. I'm afraid their efforts may do more harm than good. But two new ideas being discussed inside the Beltway could actually make it easier to prepare for retirement. Both center on the income you'll generate from your 401(k).
Ford shares: Buy or sell? Ford is back. The automaker recently reported its first annual profit in four years; sales are improving; and investors have pushed up its stock 550% in the past year.
You can use this WITH or without Google.
Get in on the ground floor. It's
100% FREE! If you
don't have a site or blog, you might want to put one up and take
advantage of this stellar free offering.
We respect your privacy. We do
not share emails or information.
Privacy Policy.
Can you recommend
something that will improve my security/privacy?
Your computer should
definitely have a good firewall. A firewall protects your computer and personal data.
Let me recommend the ZoneAlarm Firewall. It is very easy to install, requiring no technical
know-how (it basically installs itself - just click 2 boxes). You do
NOT need to make ANY adjustments!
You can get ZoneAlarm for
free by clicking here. This is NOT a demo or a trial. It is the
real deal.
You won't notice it running unless you peer down
at your computer tray (lower right of your screen). If you do that,
you'll see a dinky little icon there, a little Z, about the size of your
pinky finger nail. Oh, and by the way, it does NOT bog things down, at all.
So, why not?
Home
