“Isn’t Personal Finance Pretty Simple?!”

Investing is an extremely important part of being wealthy and is how many Americans are able to build wealth and retire. While most Americans know about investing, people often underestimate the power of it and how great of a tool it can be to achieve financial freedom. Additionally, the earlier you start investing, the more powerful it becomes. Because investments grow at an exponential rate, meaning it builds onto itself, investing earlier will leave you with a significant larger retirement sum than if you had chosen to wait.

I have been writing for a while now about the issue of balanced funds being broken. In 2017, I wrote: Are there ‘suitability’ issues in relation to putting clients into passive multi-asset funds that have massive bond risk? Back in 2008, the real 10-year Gilt yield was around 1%. Although this was low – 10 years earlier real yields were 4% - one could still justify buying Gilts on the basis that the real yield was positive. Fast forward to today and real 10-year interest rates in the UK are close to -2%.

The recent rise in real yields for inflation-indexed Treasuries (TIPS) looks compelling for locking in relatively attractive payout rates, but the usual risks with bonds still applies. That inspires looking at a somewhat unorthodox strategy of holding TIPS and conventional Treasuries as a hedging strategy.

Whether it is a student loan, private loan, or federal loan, there are ways that you can use to reduce the total loan cost. Some situations can require you to take a loan, whether for personal use, emergencies, mortgage, or school fees, among other needs. When such cases are over, you are left with a huge debt to settle, and the best way for a loan is to find ways to reduce the total cost so that you can reduce the burden that comes with repayment.

There are a lot of introverts in the world, and they retire. I’m one of them, though I just figured out I am an introvert. There are a ton of implications if you are an introvert and retired. But it comes down to quality over quantity. Let’s explore.

We expect a lot out of Retirement. What if the key to a successful retirement is to lower our expectations? After all, we will spend a third or more of our life in Retirement. After all that hard work, should we not expect some happiness or at least fun? If you want happiness in Retirement, let me tell you why the key to retirement happiness is to lower your expectations.

When volatility grips the stock market, as it has this past year, income investors should focus on quality dividend growth stocks.

This is what dividend investing is all about! Investing in dividend stocks allows YOU to earn dividend income, the best passive income stream! Bias, you better believe it.

You can make all the right money moves to set your business up for success, but sometimes, it may seem hard to do that without the right team behind you. Whether you’re planning a major pivot or just looking to grow, hiring a financial planner or coach can be a great way to support your business on its journey.

After selling off amid speculation that China’s Covid policy was going to ease, we expected the greenback to recover and consolidate ahead of Thursday’s CPI.

Going from side-gig to full-time gig? Make sure you take care of some administration before you take the plunge.

In the world of investing, the goal is always to compound wealth as efficiently as possible. We think the best way to do that is to buy high-quality dividend stocks, reinvest the dividends, and stay the course over a number of years. However, investors can also infuse their own personal preferences or beliefs into their investing strategy, and still make great returns.

The US Markets are waiting on FOMC Rate Hike of 75 basis points on Wednesday. Will Chair Powell pivot on rate hikes before the end of year?

When an income investor researches utility stocks, the dividend policy is an important decision factor. Here are the dividend policies of the top utility stocks and what they say about the stock.

Based on the stock performance over the previous 8 years, AMC has traditionally increased by 80.5% during the following 52 weeks. Learn more!

Based in Hampton, New Hampshire, Planet Fitness (NYSE:PLNT) is an American fitness facility franchisor and operator. Let's explore it!

Stock Market Commentary

When I went to med school, fight or flight were the two options for an acute stress response. Well, I guess humans have evolved since then (or at least our understanding of them has), and now there are four acute stress responses: fight, flight, freeze, or fawn. Let’s look at the acute stress responses and see what they mean for stock market investors.

It is no secret that gold has been historically valued from ancient times until today. Just by describing why people appreciate it, you will already see the pros of this precious metal. People used gold in trading for a long time, and today, people are storing metal as a valuable investment.

Are we in an index fund bubble? Should you stay the course and keep investing, or should you sell and look for better opportunities? As with most things there is no one size fits all answer. The markets are in a state of turmoil, so it is easy to see why one would think that avoiding certain asset classes might be a good idea. Let’s take a look at index fund investing so you can see if it is right for you.