Saving and Investing ideas

Which Fund Allocations Should I Choose for My 401K or IRA Contributions in 2016 Given Markets, Economy and Elections

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With the markets rocky, US and global economies facing headwinds and a presidential political campaign in full swing, choosing how to allocate your current and future retirement savings for the medium to longer term is no easy task. But rather than just leave your current 401K and IRA allocations as is amid changing macro and micro […]

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Quick and Practical Ways to Improve your Finances – Automatic Saving, Education, Refinancing to Tax Planning

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NOW is always a good time to reassess your financial situation and try and determine how you can improve your personal finances. Based on my experiences and observations, here are five simple and relatively cheap strategies to improve your finances. All it requires is a little discipline and overcoming normal procrastination that is associated when dealing […]

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2016 529 Plan State Tax Deduction Limits and How to Choose a 529 Plan And Save Now For Future College Costs – Prepaid vs. College Tax Savings Plan

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With my son approaching another birthday, I’ve started thinking more seriously about his schooling from elementary to college/university. My parents paid for a significant part of my education and I would like to do the same for my son. Given the rising cost of tertiary education, I figured the earlier I save the better. And thanks to […]

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Why Vanguard and Fidelity Money Market Funds Are a Money Losing Proposition. Go For A High Yield Savings Account Instead

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I recently got an email saying that my Vanguard prime money market fund’s expense ratio had increased from 0.16% to 0.17%. Not such a big deal because even with the higher expense ratio, Vanguard’s prime money market fund fees are still amongst the lowest in the industry. But what caught my attention when I went […]

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Oh No I Am a Speculator and Not an Investor! Another Reason To Go With Index Funds

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Of late I have been reflecting on my investing performance over the last decade. While I have made some money on “winning” stocks, I have probably lost much more on duds. In fact as I looked at my portfolio I still own many of these dud stocks, hoping for some miraculous bounce that will restore […]

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2013 Best Online Broker Survey – Is Your Stock or Options Broker in the Top 10

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Barron’s has released their 2013 broker survey and it was good to see that most of the online brokers I use and recommend made the list. What’s interesting is the continuing shift towards mobile trading, particularly on the iPad and other tablet devices, which are being used by more and more investors for their online trading needs. You can see this […]

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When Should You Start Saving for Your Child’s College Education? Right Now.

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A set of three couples sit around an oval table, discussing the future of their newborns. A father asks, “Has anyone actually started saving for college yet?” One parent cries, “Ugh not me.” Another parent tries to explain, “No, no you got time.” But then the “smart” couple confesses and says, “On no. We’ve actually […]

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Will Markets Crash or Boom? 5 Things You Can Do Stay in The Money

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The graphic to the right, showing the top stories on MarketWatch recently, reflects how mixed views on the market outlook really are. Some experts predict a continuing boom, some a crash and some both. No wonder retail investors like you and I are confused on what to do. The stock market crash of 2008 is […]

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Call For Cheaper Auto Insurance With Your Current Provider By Getting Free Competitor Comparison Quotes

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The NY times had a great piece on the benefits of calling your auto insurance provider for a better rate on your current car insurance policy. In particular, if you can get cheaper auto insurance quotes from competitors, there is a good chance you can save a significant amount with your current provider; if they […]

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End of Year Car Deals – How to Save When Auto Shopping (Dealers Beware)

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Year-end is deal time as dealerships rush to clear old inventory and shift their bottom lines from red to black. So many would argue that buying a car, particularly a current year model, is best done nearing year-end. In addition to timing your auto purchase, here are even more great tips to save money when […]

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