Mutual Fund Trading Tips for Beginners [The Informative Guide]

Mutual Fund Trading Tips for Beginners

Before discussing the different ways one can successfully invest in a mutual fund, it is mandatory to know and understand what mutual funds are. A pool of money accumulated from a large number of investors, professionally managed and regulated by SEBI, to yield higher returns are called mutual funds. Being regulated by SEBI, the investment […]

Peyton Manning, Peyton, Manning, Compounding, compound interest, analysis

The Peyton Manning Story: A few days short of that big bonus!

Peyton Manning – Franchise Quarterback of the Indianapolis Colts is a free agent.  I am not a regular follower of football but I have heard who this gent is.  Potentially the best quarterback to ever play in Indy or maybe best quarterback ever in all of football.  This article isn’t going to talk about all those statistics that he has amassed, but we really could because finance covers stats and various ratios.  If he was on the roster at the start of the league year he was to be owed $28 million dollars as a bonus.  Did you hear that right, a BONUS!!! I don’t know if you have been over to see J. Money at Budgets Are Sexy.  If you are over there check out his Million Dollar Club and … [Read More...]

Monopoly, interest rate, interest rates, adjustable rate mortgage, arm, fixed rate mortgage, vha

What to do Wednesday in Personal Finance? Is the Adjustable Rate Mortgage becoming extinct?

I was reading an article last week that made the motion that adjustable rate mortgages (ARM) are dying.  For starters, adjustable rate mortgages are loans where the interest rate changes periodically.  Generally they are a good option when you are buying a house and the prevailing fixed rate mortgages rates are high. This notion did not surprise me because interest rates are at historic lows for fixed rate mortgages.  You would be silly not to lock in a mortgage at these rates now, the interest rates are likely not going to get any lower than they are in your life time.  Listen they are at rock bottom now, I was having a water cooler discussion at work just looking for a consensus with my … [Read More...]

Part 1 of the Retirement Roundtable: What is a 401k, and why is it all over this material HR gave me?

We just graduated college and just got our first real job.  Great! Congratulations! Now what?  As we make our way through our first few weeks on the new job we are bombarded with emails, packets of information on everything under the sun from employee discounts to the dreaded RETIREMENT word, eeek.  Well you stumbled across the right website to point you in the right direction.  I will have you sipping those dirty martinis out at the beach house enjoying the afternoon rays. You are set up at your desk and looking around at the mountain of paperwork that HR has given you.  I need you to look through everything for the packet that says 401k!  Great you found it.  Take a deep breath I know … [Read More...]

The 3 C’s to Car Buying

Do you buy a new car for looks or based on what you can afford?  Hopefully this will help you. I have noticed many friends buying cars that are way out of their price range and struggling to make the payments.  Ever heard of the saying “house poor” well that is them except it is a car Cost There are many sites that you can go out on to find the true cost of ownership of the vehicle.  There are a lot of factors other than just the price of the vehicle that you need to be concerned with.  The one that I like is Edmunds True Cost to Own.  Consider insurance, the insurance premiums on your new ride may cost more than your old clunker.  There are many factors that go into determining this … [Read More...]

Guest Post: Break Out Those New Year Resolution’s

Welcome to March! It's the beginning of the third month, and, if you're like most people you've already gone off track on your New Year resolutions. It's ok. Let's grab that list and see what we can salvage from it. First, cut the number down by 90%. That means if you made ten resolutions, you will want to save one of them. Change is a process, not a moment of rebirth. If you started off with a small list, of two or three, then pick your top priority. Now, chop that resolution into a three week plan. 21 days. That's all you get.? Here's an example from my own failed list of resolutions: Look like Ryan Gosling. Here is what I'm turning it into: Walk, run crawl or die trying for … [Read More...]

Beta is not just your parent’s old videocassette recorder it is a financial ratio

What is beta? Why beta?  Well it is the volatility of the stock or portfolio to the market as a whole.  This conversation can get really deep really quick if we start discussing various financial models and the actual calculation of it using regression analysis.  If you would like to know more drop me a line and we can discuss more in depth. What can it really tell us about a stock or portfolio?  Well when you look at a stock that has a beta that has a beta of 1.0, this stock would typically move with the market.  What is the market?  Good question!  The market that is typically benchmarked in the United States is the Standard and Poors 500 or S&P 500 for short. Take a look at what … [Read More...]