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Money And Investing
Ideas on saving and growing your money leading to healthy Personal Finance....
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3 months / 6 Months – Dividends Help
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Many financial planers, including
myself, recommend having cash
reserves that would cover 3 to 6
months of expenses, in case you
loose your primary source of income:
the job. It is also a very good
cushion for all of those emergencies
that life brings us ...
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Have You Driven A Prius Yet?
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I was surprised when the Hertz agent
asked me if I wanted to drive a
hybrid Toyota Prius. Of course I
wanted to. It has been several
years since the hybrids came out and
I haven’t been able to. My mom has
two hybrid Honda vehicles on her
garage but know...
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Do it Like Your Life Depends on It
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When we go to a job interview
we think that the worst that could
happen is that they do not choose us
for that position. That is an easy
situation if we happen to be
gainfully employed at that time.
That is precisely the risk as well:
we might not...
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2006 Financial New Year Resolutions
- End of November Update
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Early in the year I shared some of
my 2006 Financial New Year
Resolutions (just about the only
resolutions I make, as I am not a
strong follower of the resolutions
tradition). To hold myself
accountable for what I did said,
here is my update of how I am d...
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Unquoted Job Wisdom
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”You need four things in a job”, I
was told by a colleague I respect.
You get less than four and you will
not be satisfied and have to take
corrective action. You get only two
of them and you better get a
different job. If you get only one
or none of th...
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Coach Others to Coach Yourself
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It is very easy to talk to friends
about ways to improve life. In
every party or social occasion I
hear tens (literally) of ideas of
how I or someone else should change
my or their life to experience an
overnight improvement. Stock tips,
business ideas, ...
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I Wonder if People Date Like They
Job-Hunt
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My brother once mentioned that job
hunting was like dating – you are
trying to get the other person to
like you enough to establish a
medium to long term relationship
with you (one is professional, and
the other one is sexual – and most
of the time they ar...
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The Teacher is the Problem, Not the
Student
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The other day I was talking to one
of my primary financial knowledge
protegees. I explained to her that
she was doing well in her life, but
had to improve. She went ballistic
on me expressing that she doesn't
has any debt, she lives well below
her means,...
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HYIP Blog - GoldPoll - The Best HYIP
Rating
GoldPoll.com - The Best HYIP Rating. The Fairest High Yield Investment Programs Monitoring Service. HYIP Mailings, HYIP Articles, HYIP Compares, HYIP Analysis...
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8 Simple Guidelines For Profitable
HYIP
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Have you thought about guidelines of
profitable HYIPs? Here is a few
guidelines by Victor Akinwumi
Omidiora. It is the author's opinion
that to join a profitable hyip you
have to follow the following 8
simple guidelines:
1. The
interest rate being offer...
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Investigation of Payouts in
Year-Profit HYIP
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Today we've received complaint from
member of Year-Profit HYIP. He told
us that he has received 120 payouts
from Year-Profit HYIP, but they've
promised to pay 350 times. As proof
of his words he gave us free access
to his egold history.
We've
investiga...
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Net Investments Takes a Break
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Admin of Net Investments HYIP has
reported that they will not be able
to process members withdrawals from
15 till 22 June.
This information
has been received via email. We
will ask them to put this
notification on their website to
inform their current an...
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New Report About SPAM Emails
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Somebody is SPAMming people on
behalf of GoldPoll. They are using
fake e-mail address in the FROM
Field to promote skillinvest.com .
This is not from us, and we never
send spam to anybody.
These
SPAMmers have been detected and we
have abused to their ho...
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Growth Forex Ltd
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Hello,
I hope growth-fx'admin will
read this..
I invest to this
program 105 USD (5/30/2007). Until
now no payment recieved. Try to
cantact admin
(administrator@growth-fx.com &
littlebit2594@yahoo.com), no reply.
I've post to program forum my
request to c...
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Our Blog Upgrade
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We have upgraded the functionality
of our blog. Hope you will like it!
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To Compound Or Not? That Is the
Question
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User can specify the compounding
percent when depositing to HYIP.
Compounding is the good way to
increase your original investment.
Is that so? How the compounding
system works? Click here to read
user's opinions on this subject.
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Solo-Invest HYIP Has a Serious
Failure
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Admin of Solo-Invest has reported
about a problem in their program and
they need 2-3 days for resolving of
this situation.
In other words
you CANNOT withdraw your profits
now.
At the same time they do not
declare this news on their website
and continue...
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Hello Dollar
Finding the "Secret" of Wealth...
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Taking a Step Back
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I have taken a little bit of flack
for a few of the articles I've
written here that advocate
penny-pinching and saving over
spending. Most of it is along the
lines of, What good is it to have
money if...
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What is Rich?
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I have a problem with surveys that
determine the richest people in the
world, or in a country, based on
their income. After all, it's not
how much you make, it's how much you
have. Would you rather make
$50,000...
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Long-Term Financial Plan
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Lately I've been working on creating
a comprehensive long-term financial
plan. As much as I think and learn
about personal finance, I have yet
to put all of my goals and plans
down in one place. So I thought
I'd...
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Inflation Calculator
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With all the talk about interest
rates and immense savings growth
over time, it's important be
conscious of the effect that
inflation will have on your money.
Inflation is the (generally) slow
but steady increase in the price of
goods...
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What is Your Net Worth?
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You know that the most important
measure of financial health is net
worth. So how do you figure out what
yours is? It's actually pretty
easy....
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Eliminating Credit Card debt:
Snowballing
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There are a bunch of systems that
people use to get out of credit card
debt. From talking to people who've
successfully conquered credit cards,
the system called snowballing debt
seems to work well. The snowball
system works like this:...
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Carnival of Personal Finance #17
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Welcome to the 17th Carnival of
Personal Finance! If you haven't
read the Carnival before, it's a
gathering together of personal
finance-related posts submitted from
across the blogosphere, and hosted
on a different blog each week. If
this is your...
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Close your Credit Card Accounts?
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One of the reasons people get into
credit card debt is that they have
too much credit available, and are
unable to manage it responsibly. If
you're working to pay off credit
cards, you can lower the risk of
getting...
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About Investing for Beginners
Investing for Beginners...
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Financial Ratios - Learn Which Ones
Matter and How to Calculate Them
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One of the quickest ways for new
investors to begin understanding
their portfolio and the stocks they
may own in them, is to learn to
calculate basic financial ratios.
...
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An Introduction to Capital - The
Three Primary Types of Capital
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Confused about the difference
between debt capital, equity
capital, sweat equity, float
capital, and vendor financing
capital? Don't worry. As a new
investor, Wall Street can often
seem...
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Would You Please Let Me Know What
You Think? Leave a Comment ...
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When I was only ten years old, I
used to go to the public library in
a tiny farm town where my family
lived at the time and plow
through...
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Getting Rich by Investing in an
Excellent Business
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At the annual meeting in 1996,
Warren Buffett and Charlie Munger
commented that, “If you find three
wonderful businesses in your life,
you’ll get very rich.” At the
meeting one...
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The Benefits of Owning Blue Chip
Stocks
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Despite their reputation as boring,
stogy and perhaps even a little
outdated, blue chip stocks have long
reigned supreme in the portfolio of
retirees, non-profit foundations and
conservative individuals. These...
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Become a Better Investor ... on
iTunes?
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As you've read on this site
countless times, one of the best
keys to financial success is to
invest in yourself. Now, thanks to
the innovative geniuses at Apple,...
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Walter Schloss - A Brief History of
a Great Value Investor
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Walter Schloss was one of the best
investors of his generation.
Working out of a small corner of the
Tweedy Browne & Company
offices, he managed to crush the...
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How to Invest in Stocks
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Looking over requests from readers,
it seems that you are all searching
for a quick way to understand how to
invest in stocks. Ever the obliging
fellow, I put...
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Gannon on Investing Blog
Value investing blog influenced by Benjamin Graham, Joel Greenblatt, and Warren Buffett's value investing model. Built upon the value investor insights of intrinsic value, margin of safety, competitive advantage, and protection of principal....
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On Comments and the Project
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Comments
If you try to comment to
this blog, you'll notice that I've
adopted an authentication service
which requires you sign in before
leaving a comment. I don't need to
know who you are (although a name is
always appreciated); but, I do need
to make ...
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On Old Posts and a New Year
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I started this blog on Christmas Eve
2005 with this post. So, the blog is
now just over one year old heading
into 2007.
In the weeks ahead,
I'll review some of the posts of the
past year as well as the performance
of the twenty or so stocks discussed
o...
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On the Difference Between Actual
Earnings and Normalized Earnings
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Yesterday, I concluded my post On
Calculating Normalized P/E Ratios
with this graph of the percentage
difference between the Dow's actual
earnings and its 15-year normalized
earnings for each year from
1935-2005:
I also
wrote:
The difference betw...
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On Gold and Rome
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Over the weekend, Bill Rempel put up
an interesting post entitled Not
Bullish on Gold.
Bill makes two
important points early in his post:
1) Gold is not original money
2) When a government controls
money, it will manipulate the
situation to its a...
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In Defense of Extraordinary Claims
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About two weeks ago in a post
entitled We Have Some Bearish
Bloggers Out There, Bill Rempel
wrote, Personally, I
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On the Dow's Normalized Earnings
Yields for 1935-2006
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Before tackling the subject of what
kind of returns investors can expect
from the stock market over their
lifetime (and what a fair value for
the Dow might be) we need to put
today's valuations in historical
perspective.
To do this, I will
first provide...
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On 15-Year Normalized P/E Ratios for
the Dow
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I just finished entering all the
data needed for the project I've
been working on. As a result, I can
share a snapshot of some of the
15-year normalized P/E data.
Although the project included data
from 1920-2006, I only have 15-year
normalized price-to-ea...
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On Normalized P/E Ratios Over Six
Decades
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After my last post, Bill Rempel
(among others) inquired about the
difference in normalized P/E ratios
over different decades. He felt a
standard applied across 70+ years
might not be particularly useful
today, because so much has changed
(increased partici...
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