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Personal Finance

American Grads: Here’s a Great Guide to Personal Finance

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Graduating from college can be an exciting and stressful time. Suddenly you need to find a job, replay loans and make solid financial decisions. Fortunately, you don’t need to be unprepared. Below are some budgeting basics to keep your spending under control, some suggestions on how to set financial goals and a list of the top 10 American cities for starting out.

February 2nd, 2012 | Posted in Personal Finance | Read More »

Become a Dividend Investor & Retire Comfortably- Here’s How

I invest in dividend paying stocks in order to generate a sufficient income stream that will meet and exceed my expenses in retirement. “Retirement” to me is the point where my dividend income exceeds my annual expenses by 1.5 times, which means that I no longer have to work for money. In order to get there I am following several simple, but crucial, principles [which I would like to share with you]. Words: 830

January 6th, 2012 | Posted in Personal Finance,Retirement Planning | Read More »

Stealth Taxation in the Form of Financial Repression is Coming! Here’s Why – and How

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Financial Repression is a form of wealth confiscation and redistribution that is in some ways as effective as taxation – but the government never directly calls it that. It never appears in the budget (directly), and while it is dependent on a comprehensive network of laws and regulations – none of those go through the legislature with a stated intention of creating Financial Repression. So while the economic net effects are similar to a huge and comprehensive set of investor taxes being used to pay down the national debt, the “taxes” are never a campaign issue because voters and investors don’t understand what is happening – they only feel the results. [In this article I lay out for you what is slowly developing and expected to escalate dramatically in the next few years.] Words: 5800

December 1st, 2011 | Posted in Debts/Deficits,Economy,Personal Finance,Retirement Planning | Read More »

Secure Your Golden Years – Now! Here’s How

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Americans spend more time planning their vacations than their retirement and this is the reason why 1 out 7 baby boomers are going bankrupt. With people living longer and spending as much as 30 years in retirement, if you want to maintain a moderate standard of living, it is essential to plan your retirement well in advance to secure your golden years.This article outlines 6 ways to do just that. Words: 665

November 26th, 2011 | Posted in Personal Finance,Retirement Planning | Read More »

Life Insurance: a Pot of Gold or Ready Cash?

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A life insurance policy is intended to provide your family with a sizable amount of money should you meet an untimely death and, as such, can be said to be a something of a an ultimate bonanza – a pot of gold, if you will. Most people, however, think the only way to get money from a life insurance policy is to die but there is another way should your circumstances change and that is called a life settlement. In this article I provide you with some insider insights on how to go about negotiating the maximize payout on such a settlement. Words: 851

November 19th, 2011 | Posted in Personal Finance | Read More »

Move Over Visa, Mastercard and PayPal! Here Comes a Better Alternative – Dwolla

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Imagine that you could pay for a service online without accruing a mountain of fees. Imagine being a retailer and having the ability to take your customer’s money – and keep all of it. Sounds impossible, doesn’t it? Well, now it’s not. Introducing Dwolla [- a better alternative to credit cards and Pay Pal for everyone involved, except the banks. Let me explain.] Words: 615

November 16th, 2011 | Posted in Banking,Personal Finance | Read More »

10 Index ETFs for Building an Ideal Retirement Oriented Portfolio

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Constructing a portfolio for the retirement years requires one to focus on portfolio risk or uncertainty while not neglecting return. If the portfolio asset allocation plan is too conservative, the return will not meet lifestyle expectations. Inflation is again on the rise and this needs to be taken into consideration when putting together a retirement oriented portfolio. Below is a combination of index ETFs that project respectable returns while holding down portfolio volatility. Words: 455

October 31st, 2011 | Posted in Investing,Mutual/ETFunds,Personal Finance,Retirement Planning | Read More »

Ways to Pay a Financial Advisor and Ways a Financial Advisor Gets Paid to “Manage” Your Portfolio

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Just as it’s smart to question the doctor suggesting test after test for you at a facility he or she owns, it’s important to know how your financial advisor’s pay structure creates incentives that may harm or help your portfolio in the long run. [Let's review the various ways there are for you to pay a financial advisor as well as the various ways a financial advisor can get compensated for how he/she "manages' your portfolio.] Words: 1576

October 31st, 2011 | Posted in Personal Finance | Read More »

10 Signs Of A Bad Investment Advisor

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There are two kinds of bad investment advisors: well-meaning advisors without the wherewithal to keep up with the science of the fast-evolving profession, and those whose main focus is not on managing their clients’ assets well, but on gathering assets under management in order to grow their own practices. How do you tell if you’re sitting across from either one of these types of bad advisors in an industry that lacks transparency? [Well, I have done just that with a list of 10 signs that you are working with a bad investment advisor.] Words: 1467

October 18th, 2011 | Posted in Personal Finance | Read More »

Think Differently and Become More Successful in Business, Life and Making Money! Here’s How

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Objective and independent thinking is increasingly important to investing and trading success, particularly in the current and prospective economic and financial market times. How do you score yourself against the 15 ‘successful people traits’ outlined below? Words: 855

September 22nd, 2011 | Posted in Personal Finance | Read More »

 

WHAT'S HOT

  1. Investing in Mutual Funds is a Loser’s Game! Here’s Why
  2. How Inflationary and Deflationary Outcomes Might Affect Your Bullion and Mining Shares
  3. U.S. Fiscal Situation MUCH Worse Than Government Lets On!
  4. Taking What Buffett Says Literally Would Hurt Your Portfolio Returns! Here’s Why
  5. Trading Using Technical Analysis is a Mug’s Game! Here’s Why
  6. Forget the EMH: Motivated Stock Pickers CAN Beat the Market!
  7. Invest in Natural Gas – Here’s How
  8. Gold: $3,000? $5,000? $10,000? These 151 Analysts Think So!
  9. Want to Invest In Agriculture? Here’s How – and Where
  10. von Greyerz: Expanding Central Bank Balance Sheets Guarantee Massively Higher Inflation & Gold/Silver Prices – Here’s Why
  11. American Grads: Here’s a Great Guide to Personal Finance
  12. David Nichols: Expect to See $2,750 – $3,000 Gold By June 2013 – Here’s Why
  13. The 5 Stages of Collapse: Where Are We Currently?
  14. Alf Field Sees Silver Reaching $158.34 Based on His $4,500 Gold Projection!
  15. The GOOD, the BAD, and the Downright UGLY Factors Affecting the USD!
  16. U.S. Can NOT Avoid Coming Economic Collapse – No Matter What! Here’s Why
  17. Silver Will Go to $50 and Then Explode Dramatically Higher! Here’s Why
  18. Alf Field: Correction in Gold is OVER and on Way to $4,500+!
  19. These Major U.S. Companies On Verge Of Collapse
  20. Leeb: Gold Going to $3,000 Before the End of 2012!
  1. mygoldmygold: Wow…that’s a nice prediction…I don’t think we can predict 100% accurately...
  2. taluis: A punitive Sales or Capital Gains Tax on the sale of gold in an economic collapse (or similar situation) is...
  3. steviebee: But….if gold is going to $10,000, why should I only have “7 to 15% in Precious Metals”...
  4. GoldRate: it will be interesting to see if this triangle breaks up or down. We’ve had big volatility this week....
  5. Blindfolded Monkey: I don’t have quite the same negative view of Paul Krugman but I agree that it is clear that...


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