Learn to live within your means and be debt free. Increase savings, invest to grow your money for retirement. Watch out for scams, scums and the schmucks of the financial world. Get more information from books and seek help from financial advisers.

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Keep in mind, investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.

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Update Your Financial Plan Annually For Investment – Part 1

Wednesday, November 16, 2011, 2:00 AM | Comments are off

The bad economy keeps dragging its feet and pulling down the pants off of our personal finances. It’s an insult to our core senses. Needless to say these uncertain times make it essential to update your financial plans annually. It’s more crucial now than ever to have your annual financial review with the help of […]



Market Moves Affect Your Personal Finances

Saturday, May 21, 2011, 2:00 AM | Leave Comment

For many, perhaps the majority of the people, Wall Street and other financial markets around the world is a mystery. But in retrospect, we know one thing and that is that the fluctuations of share prices affect all of us – often in a more direct way than many of us realize. The only thing […]



Gain Financial Literacy For Success

Sunday, May 15, 2011, 2:00 AM | Leave Comment

Is it important to have financial literacy in order to be successful and for the most part be debt free? Yes and No. No, because literacy of any kind will not take the greed out of anyone’s life. Millions of consumers will always overspend, will always buy homes 10 times more than they need, use […]



Secret To Your Financial Success Is Inside Yourself

Thursday, April 28, 2011, 2:00 AM | Leave Comment

I was looking for some information using my favorite search engine, when by chance I came across the name Benjamin Graham. I started reading about him and the more I read, the more I got interested. Apparently Graham was an investor and investing mentor of such notable investors as Warren Buffett. Graham is generally considered […]



Diversification In Investing Always Makes Sense

Wednesday, April 27, 2011, 2:00 AM | Leave Comment

According to the Federal Reserve’s Flow of Funds report, household net worth – the difference between the value of assets and liabilities – was an estimated $56.8 trillion at the end of the fourth quarter of 2010, up about $2.1 trillion from the end of the previous quarter. The value of corporate equities owned by […]



Invest In Death And Grow Your Money

Monday, April 18, 2011, 2:00 AM | Leave Comment

You know times are tough when economists and Chief Financial Officers (CFO) in a company cannot agree on certain economics terminology. Economists use the words “recession-proof” industries while CFOs shy away from that term and instead suggest that “recession-resistant” is more accurate. I agree with CFOs because I don’t think any economy or industry can […]



Take A Top-Down Approach When Investing

Tuesday, April 5, 2011, 2:00 AM | Leave Comment

Many financial gurus, websites and blogs have pointed out individual stocks that are good to invest in for 2011. Most people follow that when they select an individual stock. That’s fine and dandy. However, there is another way to make selection for your investments. First of all, select an industry. That way you can make […]



Three Major Reasons of Asset Allocation

Saturday, February 12, 2011, 1:19 AM | Leave Comment

I have done a few posts on asset allocation. This is just an extension and a reminder for you – the investor – to review your asset allocation in the new year. It is advised by finance gurus to review it once every year if not more frequently. Why is it the preferred way of […]



Inflation Follows Excess Money And Credit

Friday, February 11, 2011, 7:38 AM | 4 Comments

I am reading a book about finance and economy and it makes some interesting points about inflation. If I understand it correctly, inflation is not just an increase in prices, but it is a symptom of excess money and credit in the national economy. I always thought and I hope millions of folks thought too […]



Bombay Stock Exchange Launched Islamic Shariah-50 Index

Monday, January 3, 2011, 12:14 AM | 1 Comment

Bombay Stock Exchange (BSE) on Monday December 27, 2010 launched Shariah-50 Index which consists of companies that don’t deal in interest, alcohol, gambling, etc. This post is for those folks who strictly adhere to the Islamic Code of Sharia in all their personal finances. The rest of the world does not give a shit what […]