Financial Resource: Beginner Investing to Financial Independence!

A financial education blog to share experiences on 401K, assets, budgeting, cashflow, early retirement, finance, financial freedom, investing, money management and retirement planning using posts, podcasts and video.

Archive for the 'Bonds' Category

A Basic Guide To Beginner Investing

July 16th, 2008 by Matt Ehrlin

Many people delay planning their financial future as they do not believe they are in a stable enough position to do so. They may believe they don’t have the funds available to start an investing program. But the nice thing about beginner investing is it can be started on any budget. Investing covers many areas such as stocks, commodities, real estate, finance, bonds, mutual funds, currency, mortgages, etc.

The choices available are huge and will depend on your individual needs but this is probably the best way that any individual can plan to look after their family in future years. Here is some useful basic information if you are looking to do this.

If you are considering the stock market then you will need to plan on studying the companies you wish to invest in otherwise you might as well throw your money away. This is traditionally the number one place to invest. Careful research into individual companies is required before stock and mutual funds are purchased as investments. There are many areas where a novice investor can stumble; let’s face it even the rofessionals get it wrong here sometimes.

The quickest way to get started is by doing it online and it is also the fastest growing sector of investment as it can be carried out by just about anyone providing they have a computer and an internet connection. Using your computer you can research the companies that are offering shares and have a good idea of their performance before you make a decision to invest in them.

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Category: Bonds, Financial Planning, Investing, Mortgages, Real Estate | No Comments »

Wealth and Prosperity through Character Development

May 7th, 2008 by Mind Treasures

Do you think your character has any relationship with your finances?

Are you Purposeful (goals & objectives)? Are you Patient (saving)? Are you Responsible (borrowing)? Are you Moderate (balance & budgeting)? Are you Selfless (retirement)? Are you Reliable (credit)? Are you Courageous (business & investing)? Are you Punctual? (35% of U.S. FICO is based on this character) and the list goes on.

True Wealth & Prosperity can only be achieved by discovering and developing one’s hidden treasures:

“Regard man as a mine rich in gems of inestimable value. Education can, alone, cause it to reveal its treasures, and enable mankind to benefit therefrom.”

Of course development of hidden potentials (virtues) must be complemented with learning and implementing various elements of local economy in daily financial activities.

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Category: 401(k), Bonds, Business, Environment, Financial Markets, Financial Planning, General, Investing, Mortgages, Real Estate, Retirement Planning, Spending, Stocks, Tax, World, financial education | No Comments »

Online Stock Broker Comparisons and Reviews

April 28th, 2008 by Wealth Builder

Online Stock TradingAre you looking to open an online stock broker account and overwhelmed with the number of choices out there? Well, thank your lucky stars! Below is a summary of online stock brokers that I put together to help our Financial Resource community.

Most likely many of you already have an online stock brokerage account, but if you are like me, you may have started an account a while back and continued using the same company and account all these years even though we know there are a lot more options and possibly better ones now. For example, I started an Ameritrade account a little over 10 years ago (the company is now called TD Ameritrade after a merger) and I still have the same account. At that time, my priority was to get the lowest stock trade fee (or lowest commissions). I didn’t care too much for stock analysis and company research, as I used other sites like Yahoo Finance to do most of my research. However, over the last 10 years many things have changed and there are a lot more options out there. Maybe I have been missing out on a lot of new features that could save time and money!

The first point I need to make is that there are many online brokers out there. No one solution fits all, and each of us may have a different need, so I will not be recommending a particular broker to work with. My goal is to summarize my research with the most relevant information to share with our Financial Resource community. This summary can serve as a base to work from or help you to decipher which online broker offers what you need. From there, I highly advise you to research their website, their product and offering, and contact and speak with them, if needed, to get a better feel for what you will get when you open a stock trading account.

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Category: 401(k), Bonds, Investing, Stocks | No Comments »

What do you need to know before opening an online stock trading account

April 3rd, 2008 by Wealth Builder

Couple weeks back, I wrote about stock investing tips and one of my final tips discussed using an online stock brokerage account once you get familiar with stock trading and have some experience behind you. To continue that topic, it would be helpful to know what features to look for in an online broker, as there are many options out there.

Whether you are a novice or seasoned veteran to online stock trading, here are some important features and points to keep in mind when you open an online stock trading account.

What trading tools do you need to conduct your research? Company historicals, independent market research, real time quotes, SEC reports, etc. Check to see what trading tools are provided by the broker, both free and premium tools, which may cost you.

What types of online trading are you planning to do, stocks, mutual funds, bonds, ETFs, retirement accounts, IRAs, etc.? Are these investments offered by the broker? What are the respective fees for each of these investments?

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Category: Bonds, Financial Markets, Investing, Retirement Planning, Stocks | No Comments »

Warren Buffet to the Rescue

February 18th, 2008 by Dollar$ & Sense

Warren Buffet is all over the news again! This time it has to do with Wall Street and saving those Bond Insurers. The billionaire investor’s offer to help out troubled bond insurers rallied the markets and the Dow Jones industrials rose more than 130 points, easing some of the market’s concerns about further deterioration in the credit markets. Warren Buffet’s Berkshire Hathaway holding company has offered up to $800 billion in municipal bonds, primarily as a second level insurance. The last time we heard his name all over the news was when he donated a substantial amount of his money towards the Bill and Melinda Gates Foundation. That is just fantastic! We need more of the wealthy in this country to find charitable causes and foundations that will help to alleviate poverty, reduce diseases, provide universal education, bring about more equality, and reduce the increasing gap bewteen the rich and poor. Read the rest of this entry »

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Category: Bonds, Financial Markets, General | No Comments »

China on my mind

February 14th, 2008 by Dollar$ & Sense

Recently my wife and I visited China and Thailand during November and December of 2007. It was an eye opening experience for me. Thailand was nice, the usual tourist spots, warm weather, sunny beaches, and yummy delicious Thai food. China, on the other hand, was a sight to see! Its not like any other place I have visited before, the culture, the people, the food, the historic places…  OK, you probably don’t want to hear me ramble about my 5 week vacation right? There is something else we need to talk about - related to finance of course - the emerging China markets - or has it already emerged and positioned itself as one of the biggest, dominant, and powerful markets now? People, we need to look at China and if you are wondering how to profit in the Chinese markets, you better start your research now!

hello world    shopping in china  Read the rest of this entry »

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Category: Bonds, Environment, Financial Markets, Investing, Real Estate, World | No Comments »

The Web’s No. 1 investing columnist according to MSN Money

February 13th, 2008 by Dollar$ & Sense

Have you heard of Jim Jubak? I have been reading recent articles and posts by Jim Jubak, MSN’s money man. He is touted by MSN as “The Web’s No. 1 investing columnist”.  Look at his site on MSN Money, there is a ton of good information, but if you are a novice to finance and financial information, then it could be overwhelming.

Jim Jubak’s articles range from stock investing tips, to recession markets, bear markets, US energy policy, banking crisis, how to profit from rising food prices, how to profit from the weakening dollar, China markets, Japanese markets, and a lot more. His articles are relatively easy to understand, but you must have some knowledge of financial intruments and markets. If you are well versed with financial markets and financial intruments, then you will have no problem and will find lots of value in Jim’s articles. On the other hand, if you are a novice and are somewhat intimidated or find it difficult to grasp the content of Jim’s articles, then here is a suggestion to help you learn more and become your own financial expert: pick an area that interests you, whether its the stock markets, bond markets, 401(K), rising oil prices, China, or one of the other areas that Jim reports on, review the article, and then post your questions and comments on this blog. Of course don’t forget to reference the article title and date. We can review the article and have contributing authors and experts engage in a discussion with you to help you learn and understand. Sounds good?

Knowledge is Power!

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Category: 401(k), Bonds, Financial Markets, Investing, Stocks | 2 Comments »