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!
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Personal finance news - CNNMoney.com
4 tips for caring for mom and dad Caring for an ailing or aging parent is never easy, but the challenges only multiply when Mom and Dad live far away.
Second act: Software to wind energy Jim Maguire describes himself as being ahead of his time, and he's hardly bragging. In 2002, Maguire -- who managed software projects for large companies -- was consulting in Germany when he discovered "the next big thing."
Can mom afford to work only part-time? Shawn and Mary Kate DeRose live comfortably on a combined $133,000 income. They pay their debts, save for retirement, even have room to splurge on dinners out and high-end gym memberships.
Are Americans de-banking? The financial crisis that destroyed some of the world's biggest banks and sent others to the brink of failure have changed Americans' idea of lending and borrowing. While most still seem to have no problems storing their money at banks small and large, a few trends indicate that everyone from consumers to some of the world's largest companies are straying away from large financial institutions as sources of funding.
Quest for the perfect credit score A major league pitcher dreams of throwing a perfect game. High schoolers eyeing the Ivy League study furiously in hopes of earning 2400 on the SAT. Meanwhile, Chris Peplinski is pursuing his own brand of flawlessness: an 850 credit score.
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