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Should you invest in Gold?
Image by dieselbug2007 via Flickr Over the past few years, the stock market has been tanking. All the while, Gold has been going up and up, seemingly without limit. So why not invest a larger portion of your portfolio in gold? After all, traditional wisdom says that the stock market and gold are negatively correlated [...]
Continue reading...Economic Outlook (Guest Post)
12 May 2010
Image by artemuestra via Flickr The following post was written by Thomas King, a CPA and financial planner based in Kansas City. The following letter was sent to his clients last week, and he allowed us to repost it in its entirety. These views are not necessarily reflective of his firm, CBIZ. As you are [...]
Continue reading...Application Launch – Analyze your Finances
23 March 2010
Image by sbwoodside via Flickr For the last few months, I’ve been hard at work on a comprehensive system for determining what to do with your money. I’ve spoken with financial advisors, friends and family, working to establish the easiest and most effective way to give you a personalized financial report. And now, it’s ready [...]
Continue reading...Sell your company stock
18 February 2010
Most of us who work for large corporations get granted stock options as part of the compensation package. As a result, many also hold onto stakes which make up huge portions of their net worth. Make no mistake, Stock is a great incentive mechanism, especially for smaller companies where each individual has more effect on [...]
Continue reading...How do you figure out your asset allocation?
6 February 2010
Once you’ve determined how much cash to keep on hand the next step is to figure out what to do with the rest of your assets. It seems confusing, especially if you’ve never done it before, but it’s not. These assets should be divided into two categories, fixed income (or assets whose value is derived [...]
Continue reading...Information Overload – What are some good index funds?
3 February 2010
Image by Getty Images via Daylife How do you decide what stocks to purchase? Which index funds are the best? The problem with finance isn’t the lack of information but rather that there is too much of it. The paradox of choice overwhelms us and in the end, we do nothing, and stick with the [...]
Continue reading...Your Home is Not an Investment
17 January 2010
Image by thinkpanama via Flickr Those real estate agents are tricky, prone to all sorts of chicanery. They will tell you things like “oh, this home is a great investment!” and fill your head with dreams of your home doubling, or even tripling in value. Certainly, you will live here and raise a family here, [...]
Continue reading...Retirement Calculators are Risky
8 January 2010
Image via Wikipedia MarketWatch just came out with an interesting article analyzing twelve different retirement calculators (courtesy of the Society of Actuaries) and came to the conclusion that they all, in short, sucked. Here are the reasons they listed as the short comings: Longevity- In other words, how long will you live. Average age is [...]
Continue reading...Why Investing Is Valuable
7 January 2010
Image via Wikipedia Everyone knows that you should invest your money in the stock market, but not a lot of newbies understand a lot of the rationale. Thus, here’s a little investing 101 seminar. Risk/Reward To simplify, the riskier something is, the better the payout should be. For instance, winning the lottery is such a [...]
Continue reading...Where should you put your cash fund?
4 January 2010
Image via Wikipedia In our last post, we covered exactly how much cash you should keep on hand. 6 months worth of expenses plus any additional known large cash outlays should do just the trick. One thing that wasn’t mentioned is that this assumes that your income is greater than your expenses. If you are [...]
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17 May 2010
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