One of the biggest obstacles keeping people from investing – especially Millennials – is just getting started.
More specifically, it’s the inability to save money to invest that keeps them from getting started.
But there’s a trend developing called micro-investing that can help you to overcome that hurdle.
Micro-investing not only handles investing for you – with very small amounts of money – but it also enables you to save money ...|
Today is the last day of the 21 Day Money Challenge! I know from the comments, emails and messages that many of you have saved thousands, found lost money and have new ways to make more money. Even though it’s finished, you can redo it whenever you like or save your favourite posts to revisit […]
The post Commit, plan, invest #21DayMoneyChallenge appeared first on The Thrifty Issue.
I can’t imagine a more joyous and fulfilling time in my life than when I got to marry my soulmate Justine earlier this year.
The weather was perfect in sunny St. Augustine, and we enjoyed the company of friends and family we hadn’t seen for years — some for a decade.
But there was one problem that continues to nag me to this day: hashtag shame.
Yes, we actually had a hard time ...|
For the past several years, I have been encouraged by friends and family to get an Amazon Prime account. Everyone speaks to how great it is to buy and have items shipped to you immediately for the low cost of $99 per year. Plus, they give you free media like movies or books or other digital content. Is it really free, though?
I’ve never liked the idea of paying a fee ...|
This probably isn’t the first thing you’ve read about this year’s major data breach at Equifax, one of the nation’s three major credit bureaus, that has potentially put sensitive personal and financial information for about 143 million U.S. customers into the hands of cybercriminals.
Data breaches are increasingly common. But the backlash against Equifax has been especially harsh given the scale of the breach and, because, of all companies, we expect a credit bureau to protect ...|
LTC Properties Inc. (NYSE:LTC) is a healthcare REIT investing in seniors housing and health care properties spanning 28 states.
The 2 things certain in life are Death and Taxes so senior housing is fast becoming a necessity of life as we start to live longer. This company has been in business since 1992 with a long history of dividend payouts and decent revenues. This is the kind of stable income stock ...|
Which sectors are overvalued today. (intrinsicinvesting.com)
You can't like gold unless you think real yields are going higher. (marketanthropology.com)
A falling dollar has pushed overseas equity markets higher in 2017. (macromon.wordpress.com)
No one is recommending long positions in the US dollar. (themacrotourist.com)
The ongoing myth of 'the easy money' having already been made. (pensionpartners.com)
Capital allocators don't want high daily volatility. (martinkronicle.com)
Why cash has high 'option value' today. (macromon.wordpress.com)
Ben Carlson, "Being right is easy. How ...|
Congratulations! You just found out you’re having a baby. Better start saving for college now, because it’s expensive. It’s going to cost you upwards of $50,000 in today’s dollars to put junior through college nearly two decades out. Luckily, you’ve got a lot of time to dig yourself out of
The post Saving for College? What’s the Present Value? appeared first on Present Value Finance.
|9/20/17 | Diana Eastman Wouldn’t it be great to reap all of the benefits of owning a real estate investment property without having to “sow” the time commitments, money, and labor? If it sounds too good to be true, maybe you haven’t considered turnkey properties. Turnkey properties are one of the easiest ways to get […] ...|
In light of the madness that has ensued as a result of the data breach of major credit bureau Equifax, credit is at the forefront of everyone’s minds. Equifax recently experienced a serious security breach that exposed the data of 143 million consumers. The result of this breach includes unauthorizedRead More
|Unless you were operating in the trading pits like Billy Ray Valentine in Trading Places, it was basically impossible to invest in commodities for the average investor until the 1990s. But no one really paid attention to commodities until the huge boom in the mid-2000s. Price tends to drive narratives so most investors felt they needed to load up on commodity funds to get in on the action. Since a ...|
There is nothing like a significantly stronger currency to get central banks to take pause.
I cannot recall in recent memory a time where a little known (or under-appreciated?) Deputy Director of the Bank of Canada made a notable impact on the Canadian dollar. Such an event occurred on Monday, September 18th. Deputy Director Timothy Lane spoke at the Saskatoon Regional Economic Development Authority in Saskatoon, Saskatchewan. Lane discussed international trade ...|
I’ll tell you this right now: Halloween is not my holiday of choice.
I usually spend the weeks leading up to Oct. 31 being a grump and refusing to dress up. Then, a few days before, I start feeling left out and just want to go to the party, so I have to piece something together.
It always ends up being expensive.
And I feel like a fool in a scrappy costume while ...|
Bill Dwight is a dad to five, husband, lifelong software geek, and founder of FamZoo.com which combines prepaid cards and a financial education for kids in one award-winning family finance app.
So let’s dig in. Let’s meet today’s Master of Money.
Listen to the Episode with Bill Dwight
Listen to it on iTunes.
Stream by clicking here.
Download as an MP3 by right-clicking here and choosing “save as.”
I hope you enjoyed that. A big thank ...|
I got my first credit card earlier this year, and it’s safe to say I definitely did not use it properly. Like, at all. I learned a few hard lessons along the way during my first year of having ~credit~, and I thought I would share these with the TFD community, so maybe you won’t … Continued
The post 5 Ways You Should Never Use A Credit Card, Oh My God ...|
Equifax’s big data breach is scary. It’s not the last hack we’ll see either. They keep getting more massive, frequent and sophisticated. It can take you years to recover from resulting identity theft.
A data breach will eventually get you, if one hasn’t already. The recent theft of personal data from Equifax compromised more than half of us – 143 million+ credit files. It’s the largest and most insidious yet.
What data ...|
The Celgene diagonal is threatening to have the short call move into the money again.
music selection: “Seasons” — Chris Cornell
Celgene (CELG) has been on a tear since I opened a diagonal call on it on 15AUG2017. I’ve already had to put more money in the trade once and now I’m going to have to do so again. A real case of First World Problems. My short call (CELG171013C00145000) was within ...|
|This is a guest post written by Mike McNeil, author of the Dividend Guy Blog and co-founder of Dividend Stocks Rock. Mike is currently investing $100,000 in a 100% dividend growth portfolio as the market trades at an all-time high.
Regardless where I look these days, I read alarming news about the stock market. Government debts are through the roof, there are tensions among many countries, debt...
To read the whole article, ...|
I added a couple steps to my march Wednesday, earning a combined $1.02 in dividend income from two different companies. The dividends grew my September total to $27.51 and my 2017 total to $227.28. I also earned dividends on Monday and Tuesday, making today the third straight day this week I earned at least one+ Read More
The post Another couple steps added to the march appeared first on March toward ...|
|The Missouri State Board of Education has approved revised personal finance standards for public schools. This was the first review of the standards since 2006. Missouri is one of only 17 states that require personal finance coursework in high school, according to the Department of Elementary and Secondary Education. “Financial literacy is a vital component in the education of Missouri students,” Commissioner of Education Margie Vandeven said. “We are committed to ensuring ...|
I was enjoying a walk downtown with my son recently, when I noticed something wasn’t quite right. A man was emerging from the background of other pedestrians, trying to make eye contact. We kept walking.
“Excuse Me! Gentlemen! How much are you paying for your Cable TV right now?”
I could now see that he was carrying handful of glossy flyers for one of the monthly television subscription outfits – Dish network or ...|
|The majority of Americans feel good about their financial health. A recent survey by financial services company Financial Engines found that over 47 percent of Americans feel more secure about their finances today than they did five years ago. But feelings aren’t the same as facts. When Financial Engines gave the same survey respondents an 11-question financial literacy quiz, only 6 percent passed. ...|
A good debt relief program may be all it takes to finally get you out of debt. The sooner you enroll in one, the better your chances of managing your debt and stopping it from ballooning further. The challenge now is finding and choosing a debt relief program that fits your needs and financial situation. This can be done by first getting a list of programs that you have the ...|
Annual goals and achievements have been the cornerstone of my forward-thinking life for several years now. I use goals to form excellent habits early-on in life, and to make sure I'm pushing myself forward in some meaningful way every single day. It gives me reason to rise out of bed, and allows me to sleep better and quicker when I lie down to think about my accomplishments and progress for ...|
I was shocked when I learned there are many people living in cities, half of my friends included, who probably haven’t turned on their oven in six months. But that doesn’t mean they can’t and don’t eat healthy and without spending a fortune dining out.
Here’s what you need to know to...
Get the Details... »
Technology mingled with the financial world long ago to create credit profiles on all citizens, and like it or not, your credit score is something that financial institutions often refer to, as it gives details of a person’s credit history.
If you are planning on applying for a mortgage anytime soon, then your credit score will have some bearing on this, and your score would typically be a number between 0 ...|
ALCOAST 278/17 spells out the authorization for ALL Active Duty members to receive the promised Continuation Pay. (reserves get 0.5 mo)
Members must have less than 12 years of service to sign up for BRS and receive the Continuation Pay. If you Sign up for BRS in 2018 after hitting 12 years, no pay for you, so it pays to pay attention to timing on this one.
Similarly, make sure to contribute ...|
This is a guest post from my friend Ann deSaussure.
I started writing this post in a hotel room in Sparks, Nevada that I booked from the car after driving for ten hours straight. That was not the original plan (not by a long shot), but the campsite my boyfriend and I were eyeing was less than ideal and I dissolved into tears the moment I saw where we were supposed to ...|
Exactly how much should you be saving for retirement? It seems everyone has an opinion on this deceptively simple question. Actually, it is simple to answer, so long as you understand the implications of your choices.
Are your retirement savings going to be enough for you to live comfortably during your golden years? To address this question, we are going to look at the standard rules of thumb on retirement savings. But ...|
Looking at your monthly bank statement each month might not give you a lot of insight into your actual financial well being. Simply having a steady income does not necessarily make you financially healthy, although it puts you one step closer. Why is it important to strive for financial “health,” and what does financial health even mean?
Financially healthy individuals are prepared for any financial situation that comes their way. ...|
To the befuddlement of my millennial peers, I’m a huge fan of cash. Personally, I blame growing up in Japan and China where cash not only was, but still largely is, king. I use my credit cards a lot (hello, reward points!) – but I will always have at least some cash on my person and routinely will do a cash diet for a week or two just for a little ...|
Yesterday we participated in a Reddit Ask Me Anything (or AMA, as the cool kids call it), and while there were many questions curious about our journey, it also brought in the Internet haters. And because it had been awhile, I had forgotten what it was like to get blasted by Internet haters. Specifically, I had forgotten how much fun it was to spar with them. Here’s the AMA here ...|
Today’s post is our third in a series on Stockopedia for AIM – we’re hoping to use the screening tool to put together an AIM IHT portfolio.
The post Stockopedia for AIM #3 appeared first on 7 Circles.
I am many things. Mom, entrepreneur, writer, blogger, photographer, wife, sister, daughter, project manager, basketball player, traveler, super chef (in my own lil’ kitchen), friend, singer (best karaoke in cars!!), organizer, dancer (killer moves, here), dreamer, doer. Only one thing at a time (rare). All of them at the same time (often). But, here is … Continued
The post How I Landed A 6-Figure Salary After Being Out Of The Workforce ...|
Here at SFE, part of our charter is that “drinks must be imbibed” at each of our meetings. Naturally, this has lead to discussion about what drink is optimal for picking stocks. The debate for the future rages on, but we can look backwards and see what we should have been drinking if we were to best represent what we invested in:
Lending Club (LC) – (21.95)% = Your First Beer
It’s been about 2 years now since we sold our one remaining car, Eleanor the Subaru Outback. It feels weird but liberating to say we have zero cars.
In this post I’ll share our decision process and a few reflections on car culture. And I’ll wrap it up with the benefits of car-free life and a list of some places I’ve been able to travel without a car.
From 1 Car to ...|
Who wouldn’t want to have a little more money at the end of every month? Unless you can simply walk into your boss’ office and demand a raise, one of the easiest ways to end up with more money in your bank every month is to make the most out of the funds that you’re already making. That is, save money at home.
For the vast majority of people, there are ...|
I am naturally cheap. I get it from my Dad. The point is that being cheap is not a very desirable trait. I am conscious of this fact and strive against my instincts. I purposely spend money now and again to guard against sinking into a miserly existence surrounded by my piles of gold and … Continue reading Frugal, Not Cheap – Or so I keep telling myself.
The post Frugal, ...|
Consumers were surprised when Equifax announced a large-scale hack to the public in September, despite having learned of the breach way back on July 29. The hack exposed a security gap that led to the theft of 143 million consumers’ financial information. Investigators later learned the hackers accessed data as far back as mid-May.
Now, new details have emerged that show Equifax was hacked in an unrelated attack back in ...|
|Follow us! by The Challenge of Morally Responsible Investing
Deciding where to invest your hard-earned money can be a tricky task. You have to weigh your goals and your aversion to risk. There are industries you may want to avoid if you think they are on their way out. ETFs (Exchange Trade Funds) can be linked to foreign markets that may be more or less stable than domestic ones. Performance ...|
Passive income. We all want it. We all crave it. We all want to make money without work. But how do you actually make passive income in 2017?
Well, there are four main ways to make passive income:
By investing money
By investing time
By renting things out
By getting paid to do activies you do anyway
Below we have given you specific ideas for each of these four passive income categories for a total of ...|
Find Your Culturelle Kids Coupon Here: $5.00 Off Culturelle Kids Probiotic Coupon
We are learning more and more about the positive benefits of taking probiotics. Sometimes our diets and chlorinated water can effect the healthy bacteria inside our stomach.
Taking a probiotic can help revitalize this healthy bacteria and keep our gut and digestive system running smoothly.
It’s also important for kids to do the same, but they should take a specifically designed ...|
It’s been about a month now since I shared that I’m carrying some debt. As promised, I wanted to update you on my progress towards putting it the eff to sleep.
The Progress Chart
I was able to put a nice chunk of change towards Debt #1. I was fortunate that last month was a month of low expenses and relatively decent income. I prioritized debt as a goal, and made sure ...|
The Struggle Is Real – Housing is pretty damn expensive!
Econ 101 – Market stats and salary requirements to buy a home.
So What’s The Game Plan? – Take advantage of the opportunity and operate from a position of strength.
Wrapping It Up – If all else fails, you can always buy a tiny house.
The Struggle Is Real
Housing affordability is becoming a big problem in major cities across America. Especially here in California ...|
Are you sure your 401k plan is going to meet your needs? Get a free 401k review and find out! For almost six-of-ten Americans (59%), a company 401k plan is their largest or only source of retirement savings. That’s neither good nor bad. These plans usually come with a company match and all offer tax […]
The post Are You 100% Sure Your 401k is Right for You? appeared first on ...|
Recently, Cait Flanders has mentioned spending some time to clean up her digital footprint. This has been a good reminder for me to revisit this and evaluate areas that are and aren’t working in my digital life.
Here’s a screenshot of my desktop. The background is a scene from one of my favorite Miyazaki films — Howls Moving Castle.
The applications my dock include:
Pathfinder – Finder replacement
Atom – My code editor ...|
Like many young people at the start of their careers, I don’t control my own schedule at work. It can be completely dead one minute and crazy hectic the next, so I struggle to make effective use of my downtime when I never know how long it might last. Over the past year, I’ve been … Continued
The post How I Used A Smartphone Game To Reclaim My Work/Life Balance appeared ...|
What makes for a strong financial advisor brand. (iris.xyz)
Morningstar is merging its two major conferences into one. (riabiz.com)
Robo-advisor portfolios are different enough that they require some research. (marketwatch.com)
A shout out to some financial mentors. (whitecoatinvestor.com)
United Income is targeting an older, wealthier demographic. (wsj.com)
How Millennials can prepare for the next financial crisis. (awealthofcommonsense.com)
Why you should try to put a value on income streams like your paycheck and Social Security. ...|
Welcome back to the 20th installment of the Safe Withdrawal Rate series. Check out Part 1 to jump to the beginning of the series and for links to the other parts! This is a follow-up from last week’s post on equity glidepaths to address a few more open questions:
Some more details on the mechanics of the glidepath and why it’s so successful in smoothing out Sequence of Return Risk.
Additional calculations requested ...|
Fondos de Inversión Autor(a): Designed by Freepik Bajo licencia CC con modificaciones Dentro de la gama de instrumentos que se comercializan en la Bolsa de Valores están los Fondos de Inversión. Los cuales le permiten a pequeños(as) inversionistas entrar en el mercado de valores. Sin embargo, esta opción no siempre es conocida en el público. No todo el mundo está al tanto de los fondos de inversión y la ventaja ...|