Barbara Friedberg's Blog: Barbara Friedberg Personal Finance, page 41
July 9, 2015
How to Measure Investment Risk & Protect Against it
The Investments class I teach at a local university focuses on investing risk and return. We talk about the risk that you’ll lose money if you invest and your stock and bond funds decline in price. There’s also the risk that your purchasing power will erode from inflation. According to a recent Fortune-CNN article food prices increased 2.6% last year. Although, in my region, it seems as though the food increases were quite a bit more. Although the CPI (consumer price index)...
July 6, 2015
How to Invest and Get Rich (Slowly)
“Cash confiscates capital. Long term, after taxes and inflation, the return on cash is negative.” Catherine Keating
When you factor in the impact of inflation, you must achieve a return on your investments of greater than 3 percent or you are losing money. So, how can you live a decent life today and still invest and get rich?
With today’s difficult economic conditions, wages stagnating, and unemployment still rather high, it’s more important than eve...
July 1, 2015
Cheap 4th of July Fun-7 Great Ideas
By contributing columnist, Alexandra Deluise
The Fourth of July is one of the highlights of summer for me. The holiday almost always includes a cookout, fireworks, and time spent with family around a campfire with marshmallows.
This year, July 4th is on a Saturday. For those of you who get Friday off as a state holiday, this means three full days of potential festivities and cheap 4th of July fun! However, getting crazy on this patriotic...
June 29, 2015
Miranda Marquit-Personal Finance Luminary
Welcome to an inside look into some of the most important personal finance luminaries online. These influential peopleeducate and entertain others about money topics. From authors to podcasters to writers, these money mentors are working to raise the level of financial knowledge and education.
Read more about Personal Finance Luminaries
What is your background and money/financial influences?My training is in journalism. I began learning about money as a resu...
June 25, 2015
Would You Invest in a 100% Muni Bond Portfolio?
The recent “reader question” article, “Should I Invest in Bonds Even Though I Might Lose Money?” garnered some fascinating investing conversation. Among the thoughtful comments, one in particular stood out, because it was contrary to the typical investing viewpoint.
Randy C.H. responded,“Stocks, Never. Short term bonds? Not for me. Go to FMSbonds.com and READ!!! Buy short term ONLY if you have a need at a s...
June 22, 2015
Personal Finance-An Encyclopedia of Modern Money Management + Baseball
Excerpt of article published on LinkedIn
Personal Finance-An Encyclopedia of Modern Money Management just launched. See what baseball has in common with writing and editing an encyclopedia.
I’ve thought of my career as that of a baseball player.
But not one of the home run sluggers like Barry Bonds, Hank Aaron, or Alex Rodriguez. Sure, I’ve had my good dayscareer as an investment and finance profe...
June 18, 2015
Prosper Review – Where to Get a High Return On My Cash?
Since October 2011, I’ve invested in Prosper Loans. This is the fourthupdate of my experience investing in Prosper loans.
In October, 2011, I decided to take a small percent of my investment money and lend it to Prosper borrowers through theProsper Marketplace
. Prosper borrowers must meet minimum credit score ratings and go through a vetting process. These borrowers typically want to borrow money for short term needs such...
June 15, 2015
What Not to Do With an 401(k) Rollover
Financial professionals frequently suggest rolling over your 401(k) into an IRA when you leave a job.
The down side of leaving your retirement account with the old employer means you’re subject to their fee structure and investment options.
If you rollover your 401(k) into an IRA-you gain control!
You choose; where to house your money. Already have an account with Schwab, Fidelity, Vanguard, ETrade or another discount...
June 11, 2015
TIPs: An Investment Guaranteed to Keep Pace with Inflation-Part 2
“Inflation is as violent as a mugger, as frightening as an armed robber and as deadly as a hit man.” Ronald Reagan
Since we haven’t had much inflation in recent years, it’s easy to forget about it’s violent impact.
One of President Reagan’s (1981-1989) political challenges was combating the rampant inflation of the time. He entered office after record levels of inflation!
Check out what Reagan was talking about. These are the inflation rates from 1975 to...
June 8, 2015
5 Perfect Father’s Day Gifts
By contributing columnist, Alexandra Deluise
Father’s Day is always a difficult holiday to shop for because my father is one of those “don’t get me anything” types. While this would make for a very frugal Father’s Day indeed, I still enjoy finding ways to let my dad know I appreciate him. Realistically, there are no Perfect Father’s Day Giftsyet, there may be gifts which are just right for your dad.
The following gifts go beyond the cliché necktie or slippers...
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