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 gai..

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..

Investing in an Aging Population

Investing in an Aging Population

April 1, 2016April 1, 2016

A report commissioned by the National Institute on Aging suggests that there are approximately 617 million people aged 65 and older in the world today. These individuals make up 8.5% of the world's po..

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 answer..

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 ..

Financial Swagger

Financial Swagger

March 11, 2016March 11, 2016

Do you have financial swagger? In the past nine episodes of the Charisse Says series on Modest Money you have become the CEO of your money, learned how the stock market works and why company earning m..

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..

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 va..

Does Prosper Really Work? A Prosper Review for Borrowers and Investors

Does Prosper Really Work? A Prosper Review for Borrowers and Investors

February 9, 2016February 9, 2016

Peer to peer lending (P2P) is the fastest way for regular people to get affordable loans online. Prosper is one of a number of P2P services that have sprung up in the United States over the past decad..

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..

Why You Should Date Your Financial Advisor

Why You Should Date Your Financial Advisor

January 30, 2016January 30, 2016

In my last post, “Demystifying Financial Advisors”, I talked about why it is a good idea to get a financial advisor, what types of advisors are available to you, and how much they cost. In..

Is Prosper a Good Investment?

Is Prosper a Good Investment?

January 26, 2016January 26, 2016

Now entering its 10th year, Prosper looks like it is here to stay. America’s most recognizable name in peer to peer lending (with Lending Club in close second), Prosper offers financial methods to b..

The Pros and Cons of LendingClub – For Borrowers

The Pros and Cons of LendingClub – For Borrowers

January 26, 2016January 26, 2016

Peer to Peer lending giant LendingClub is one of two major American P2Ps that borrowers have to choose from when seeking out fast-approved loans with reasonable interest rates, outside of traditional ..

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..

10 Reasons the Rich Use Life Insurance to Create Wealth

10 Reasons the Rich Use Life Insurance to Create Wealth

January 25, 2016January 25, 2016

Just a few short years ago, I was staunchly opposed to whole life insurance, because that’s what I was taught by national “gurus” 25 years ago. I wholeheartedly believed (as many peo..

Should You Invest in Stocks or Real Estate?

Should You Invest in Stocks or Real Estate?

January 22, 2016January 22, 2016

Investments are a great way to make some extra money, especially if you’re planning to have an early retirement or simply need funds to finance something important. Two of the most common invest..