Is Betterment Good for the Hands-On Investor?

Is Betterment Good for the Hands-On Investor?

April 14, 2016April 14, 2016

Based in San Francisco, Betterment has everything built for the first-time investor. More than that, it caters to people who don’t have a lot to put into the market – at least, not in the beginnin..

Commercial Real Estate Debt: Alternative to Fixed-Rate Investments

Commercial Real Estate Debt: Alternative to Fixed-Rate Investments

April 7, 2016April 7, 2016

It’s one of the most universally accepted principles in investing: your portfolio should combine higher-risk, higher-ceiling investment vehicles, and lower-risk vehicles offering more modest returns..

Managing Your Finances with Personal Capital

Managing Your Finances with Personal Capital

April 6, 2016April 6, 2016

With your money spread out across many different accounts, keeping track of it can be a challenge. In fact, it can sometimes feel impossible. You’re faced with the reality of being a person with a h..

Three Simple Ways the Average Investor Can Protect Their Portfolio

Three Simple Ways the Average Investor Can Protect Their Portfolio

April 5, 2016April 5, 2016

The stock market has certainly been less popular than back in the late 1990s. I remember the Dow Jones was making new highs almost every day and everyone was making double digit yearly gains.  People..

Fintech Tools for Investing Your Tax Refund

Fintech Tools for Investing Your Tax Refund

April 4, 2016April 4, 2016

It’s tax season again and for many people that means figuring out what to do with your refund check. Last year, the average refund was about $3,000, a decent chunk of change for a young professional..

Where Should I Put My Money? (A Guide to Asset Allocation)

Where Should I Put My Money? (A Guide to Asset Allocation)

March 31, 2016March 31, 2016

I’ve got a problem. I suspect you have a problem, too. I can’t figure out what to do with my money.  Can you? I just freed up some liquidity via the sale of my house, and I’m nervous about plow..

Short and Long End of the Capital Gains Stick

Short and Long End of the Capital Gains Stick

March 29, 2016March 29, 2016

Are your investments making money? Have you been investing efficiently? Are you accumulating critical retirement assets? Are you achieving your ultimate financial goals? If you have answered yes to ..

REITs and Affordable Housing

REITs and Affordable Housing

March 25, 2016March 25, 2016

Finding affordable housing in the U.S. is becoming more and more difficult as the average price of homes continues to increase. Normally one would expect that popular urban centers such as New York Ci..

Investment Choices: Is Gold the Answer?

Investment Choices: Is Gold the Answer?

March 25, 2016March 25, 2016

There is no commodity other than gold that has a better track record for being a solid, long-term wealth store, especially during economic episodes when the entire world’s financial system is thrown..

The Rewards and Risks of Financial Spread Betting

The Rewards and Risks of Financial Spread Betting

March 22, 2016March 22, 2016

Often the most rewarding pursuits carry an element of risk. This is certainly true of financial spread betting. If you successfully navigate the risks, then the rewards can be massive. However, you co..

When It Comes to Investing, Debt Isn’t a Bad Four Letter Word

When It Comes to Investing, Debt Isn’t a Bad Four Letter Word

March 17, 2016March 17, 2016

People often think about debt as a bad thing. When you mention to someone that you have debt they look at you as if you just said a bad four-letter word. In some cases, debt is a bad four-letter word ..

How a Wealth Manager Can Help You Prepare for Retirement

How a Wealth Manager Can Help You Prepare for Retirement

March 16, 2016March 16, 2016

We all want to live long, healthy useful lives. A solid retirement plan is one of the best means of achieving security in advanced age, and even sooner if one plans to build enough wealth to retire ea..

6 of the Most Popular Instruments for Financial Traders

6 of the Most Popular Instruments for Financial Traders

March 16, 2016March 16, 2016

Getting into the financial markets can be daunting to say the least, as whichever trading vehicle you decide to use may offer access to 1000s of different instruments. The most popular securities can ..

10 Things Successful Forex Traders Do

10 Things Successful Forex Traders Do

March 14, 2016March 14, 2016

  Forex trading can be exciting, rewarding, and lucrative if you’re disciplined about applying sound trading principles and strategies. Ultimately, there is no single formula or strategy for tr..

5 Reasons Why You Should Review Your Credit Report Monthly

5 Reasons Why You Should Review Your Credit Report Monthly

March 10, 2016March 10, 2016

Many people tend to lead hectic and busy lives, without paying attention to what their credit history could mean for them. Eventually, when it’s time to apply for a mortgage or a new or used car fin..

How a Company Like Procter & Gamble Can Set You Up For Retirement

How a Company Like Procter & Gamble Can Set You Up For Retirement

March 10, 2016March 10, 2016

As more and more people begin to enter their retirement years they are finding that generating income to fund their expenses can be very difficult. Before 2008, most retirees used a healthy dose of tr..

Staying Motivated While Paying Off Your Mortgage

Staying Motivated While Paying Off Your Mortgage

March 8, 2016March 8, 2016

The most expensive item most of us will ever pay for is our home.  When tackling a debt so large it can be difficult to keep up motivation to stick with it.  Even an aggressive plan can take a decad..

How to Safely Invest Throughout Your Lifetime

How to Safely Invest Throughout Your Lifetime

February 24, 2016February 24, 2016

Your parents may have taught you the value of a savings account when you were a child. Money sitting in a piggy bank won’t accrue interest unlike a solid savings account. Investing as an adult i..

The Secret IRA Your Advisor Doesn’t Know About

The Secret IRA Your Advisor Doesn’t Know About

February 18, 2016February 18, 2016

Most investors mistakenly believe they have a “self-directed IRA” when in fact they really have a multiple choice IRA.  You may self-direct your account as long as you buy stocks, mutual funds, o..

5 Safe Investment Tips for the First-Time Investors

5 Safe Investment Tips for the First-Time Investors

February 15, 2016February 15, 2016

What would you do if you become a millionaire all of a sudden? Ask this question to ten people. I bet nine would give you the most cliched replies that they’ll use the money to go on a vacation trip..

Why Company Earnings Matter

Why Company Earnings Matter

February 8, 2016February 8, 2016

If you have been following the Charisse Says series via Modest Money, you have learned how to take over a position of power over your money, why you need a financial advisor to grow your wealth, how t..

Top 5 Reasons to Invest with Betterment

Top 5 Reasons to Invest with Betterment

February 4, 2016February 4, 2016

Based in New York City, Betterment is a fairly new company that seems to cater to new investors. Their tools are not only designed for ease of use, but they can also help newbies to get a leg up in th..

The Interesting Effects of Higher Interest Rates

The Interesting Effects of Higher Interest Rates

February 1, 2016February 1, 2016

The Feds made the fateful decision in December 2015 to hike interest rates for the first time since 2006 from historic lows of 0.25% to 0.5%. Fed Chairwoman Janet Yellen has said that the central bank..

Declining Oil Prices and Real Estate

Declining Oil Prices and Real Estate

January 26, 2016January 26, 2016

Oil prices continue to fall – months (a year, anyone?) after most observers thought they had already reached a bottom.  Many consumers are benefiting, and the energy expenses of businesses are decl..