Thursday , 2 July 2020


Personal Finance

In Debt? Consolidate It (Without Using A Service) – Here’s How

Getting out of debt is rarely simple or painless. It’s a process that takes a great deal of time and requires a significant amount of patience. While there are a number of options to consider (including debt management and bankruptcy), the first step you should take — the least drastic one — is debt consolidation. This article looks at five alternatives, and weight the pros and cons of each.

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Should you keep renting, or should you buy a home?

Should you keep renting, or should you buy a home? It's an age-old dilemma nearly every American adult wrestles with at some point. No one wants to throw their hard-earned cash away on rent payments they'll never see again when they could be investing in a home that will grow in value and potentially provide a nice return one day. If that line of thinking sounds familiar, Todd Sinai, a real-estate professor at the Wharton School of the University of Pennsylvania, would like to stop you right there.

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Doing Next To Nothing In Your Portfolio Is A Winning Approach – Here’s Why

As of the end of 2015, there were over 15,600 mutual funds, 11,000 hedge funds and 2,100 ETFs...[which] account for almost 50% more...than there are individual stocks and bonds. The paradox of choice makes it extremely difficult for investors to wade through this sea of complexity, but it also increases the temptation to make changes to a portfolio. People have a hard time sitting still in the face of this sheer number of choices, even when there are proven benefits from inaction with your investments. [Let me explain.]

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Financial Advice vs. Investment Management – The Differences Are Dramatic

A large majority of what the financial industry calls financial advice is really just glorified product sales. What most people actually need is advice about how their investments fit into their overall financial plan, and more importantly their life. Investment management & financial advice are both necessary components for long-term success, but it’s important to understand the differences. This article points out those differences.

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