Bonds confuse lots of people but actually they are very straight forward. When you buy a bond you loan your money to a company, city, state or country for a fixed term. When you first make the loan, the interest rate is fixed (in most cases) as is the maturity date (the date they have […]
They don’t teach investing in school. It’s no wonder that so few of us really understand how investments work, what mutual funds are and how to select the right investments for our unique situation.
The following articles explain how the stock market, mutual funds, annuities,stocks and bonds work in plain English. They demystify investing and empower you to make better investing decisions for you and your family.
Executive Summary: You probably already know how important it is to invest. But this overview guide explains why investing is so important for you in ways you may not have considered. This will help you understand inflation and risk in way you can put to use and improve your life. It will also help you […]
Executive Summary: After you study this guide, you should be able to plot out an investment plan that is tailor made for your specific situation using low-cost mutual funds and ETFs. This guide includes unique ideas on how to funds, when to buy them and when to sell them. Keep in mind that I am […]
Lately major stock market indexes have hit dizzying heights. The S&P 500 and Dow Jones Industrial Average both reached several new records recently. While this is very exciting for investors today, it is actually very sobering. I say that because if you bought a Nasdaq index fund back in 2000, it took 15 long years […]
If you have bad credit, you might make it a policy to avoid borrowing whenever possible. That’s usually doable when it comes to credit cards and other consumer loans, like those used to purchase furniture. But auto loans can be unavoidable. That’s because you probably need a car in order to get to and from […]
Regardless of what business you are in, there are times when money becomes tight. During those tough periods, you might be tempted to lean on easy sources of cash like credit cards to get you through. I met a woman a few weeks ago who did just that during the 2008 financial crises. She was […]