Investing Strategies

If interest rates start climbing you are going to start hearing more and more about I Bonds. What are they and are they worth buying? What are I Bonds? I Bonds are a type of U.S. Savings bonds. They are issued by the Treasury and they are designed to help investors protect their income and [...]


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If you want to grow your money for the long-term you should probably avoid buying funds solely based on their 10 or 20 year track record. That’s because it’s highly unlikely that they will turn in a winning track record over the next 10 or 20 years. There are several reasons for this. First of [...]

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With market indexes hitting all time highs these days, it’s tough to know what to do with your money. If you are sitting on $5,000 or $10,000 (or more) you are probably wondering what to do.  Who wants to invest at the top and then get whacked by a downturn?  Nobody.  On the other hand, [...]

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If you want to make money with your investments, keep your emotions out of the mix. Investment mistakes happen easily when your emotions run high.  And your mindset is the greatest determinant of your financial success. The problem is you can become emotional quickly if you have easy access to your investments. I realized this [...]


There are many ways to create income from mutual funds. But there are only a few that are really safe over the long-run (which we’ll get to). Many people think that they can buy mutual funds that buy bonds or preferred stocks and that by so doing they’ll safely get the income they want. It’s [...]


A variable annuity is a deposit with an insurance company like a regular annuity.  The big difference is that you decide how to invest the money and you have many choices (including growth mutual funds). As long as you keep your money with the insurance company, you don’t have to pay tax on any growth. [...]