Category Archives: Personal Finance

Simple, Low Cost, Investing Is Best for Most People: Don’t overthink your long-term investment strategy. Instead, be patient and be frugal

Stop looking for pricey investments and stick to the long-term plain vanilla investment. Once again, we have proof that Wall Street’s high price offerings usually don’t work for the average investor and that simple index investing works best for most people over the long term. The latest example comes from one of the greatest value…

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Should You Put Money Into Alternative Investments?: A Trendy Investment Pick So Far Disappoints Some Investors

What is alternative investing and should you consider using alternative funds or strategies in your portfolio? That is the issue that some are debating as the recent bull market continued. Investors enjoying recent fat stock returns and using conventional diversification strategies, those ignoring alternative investments, could be sorry in the next crash. That is the…

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Taxpayers Pay Attention!: How Healthy Is New York State or Any State? Will Your State or Province Be Able to Pay Its Pension Obligations? How Will It Have to Raise and Raise Taxes Some More? New York’s Fiscal Health is Poor, Report Claims

Albany must spend smarter, keep a closer watch on pension obligations and total debt. That’s what two groups concluded in examining how New York State spends money and runs up debt. They say the state should do better in how it pays for retired workers and infrastructure. That’s because New York State’s fiscal health is…

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Is Renewal Rip-off (RR) Coming for You?: Some card companies enable vendors to keep reaching into your pockets forever. How to stop the rip-off

Someone offers you a publication or some kind of service at a dirt cheap six months or one year introductory rate. You’ve always wanted the publication so you are delighted to obtain it. You give the vendor your credit card number. You have no idea of it at the time, but soon you’ll be receiving…

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What to Do with Twenty Five Thousand Dollars: Some commonsense strategies on how to invest a windfall or make it last

Recently a friend asked me what to do with $25,000. He didn’t tell me if he wanted to invest it for growth or make the money last as long as possible. There are a number of ways to work with an unexpected windfall. Here is one possible scenario. Funds Can Make Sense I would recommend…

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Help! I Need Somebody to Explain the ABCs of Personal Finance: Studies find Americans’ financial understanding is poor. Many could be headed for financial disaster.

Financial illiteracy in America is widespread. And it is not just for millennials or baby boomers or the poor or women or men. The problem goes across the board. Millions of Americans are in danger of falling into the trap of not understanding what they need to do to ensure their financial health and their…

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