Investing

In the first book of the Bible in Genesis we read a full account of God creating heavens and earth, all out of nothing (Genesis 1:1). From the first substances, God created everything else (Genesis 1:2-31). God created man and women in his image, and endowed them with amazing creative abilities. Technology has helped us […]

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For a few years I have been following the blog InvestSense, written by a Christian who is a wealth adviser and attorney. I find his articles refreshingly frank, helpful, non-self promoting, educational and intelligent- cutting through much of the baloney the investment consumer stumbles upon in the media or from some firms. I either agree […]

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A couple of times per year I publish this benchmark return report for investment portfolios.  This is useful for those who use a buy and hold approach to holding their investments, in various common investment allocations of stocks and bonds. I provide this so that you can compare your investment returns to what the market […]

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The most commonly asked question I get is this: “Should I buy gold or some other precious metal like silver or platinum?” The main reasons for driving interest in gold are advertisements, the increased price of gold, and fear. There are a lot of commercials on TV and the radio from companies that want to sell […]

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Question: I lost my job several months ago, and have exhausted my savings. However, I have some money in a 401(k) Plan from an old employer. I need to get to some of it to pay my rent, but I don’t want to pay tax on the entire amount in the Plan. What is the […]

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The stock market is up 16.4% this year, as reported in the Wall Street Journal today’s article “As stocks head higher so do risks.” Therefore, there might be some rationale for reducing one’s portfolio exposure to stocks, contends Daniel Roe of Budros, Ruhlin and Roe, the largest financial planning firm in my hometown (Columbus, Ohio). The […]

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People are aware of inflation, since it is talked about all the time on the news and they see gasoline prices increasing astronomically and erratically. You may have heard someone talk about loss of purchasing power, but what does that mean? As a quick review, when you invest or save money, and you pull it out […]

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The price of gold is climbing again to about $1,800 per ounce, close to its all time high of $1,895 on 9/6/11, so many people are thinking about selling their old gold jewelry they have lying around. If you are interested in selling yours, here are a few tips to help you get the most for […]

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You have some money to invest, and you are not sure where to turn.  I get asked all the time by people that have some money to invest and they don’t know where to turn.  If they have several hundred thousand dollars or more, they can command more attention and higher levels of service, but […]

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My article entitled The Asset Allocation Style of Investing, highlighted this method of investing made popular from the study by Garry P. Brinson, Brian D. Singer, and Gilbert L. Beebower that found that over 91% of long-term portfolio performance is derived from the decisions made regarding asset allocation, and not market timing or security selection. In that article I […]

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The much followed initial public offering (IPO) of Facebook failed to be a runaway opening day success, by they way I warned you to be very cautious about IPOs like this on my February 1 2012 post. The first day of trading Friday May 18th, shares opened up at $42.50 about 11% higher than the initial […]

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There has been constant chatter about JP Morgan Chase’s $2 billion loss on the news, but what does it really mean to you with your personal finances?  How will it affect you? If you own their stock, you have experienced at 12% reduction in value, but it will probably recover in time. If you bank […]

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My article entitled The Asset Allocation Style of Investing, highlighted this method of investing made popular from the study by Garry P. Brinson, Brian D. Singer, and Gilbert L. Beebower that found that over 91% of long-term portfolio performance is derived from the decisions made regarding asset allocation, and not market timing or security selection. In […]

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There are four ways to invest money, and the most boring way works best for most people: Asset Allocation. The other three ways to invest: strategic asset allocation, market timing or picking stocks are more sexy. Next time investing comes up at a cocktail party you will be sure to hear someone touting their get […]

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The Stop Trading On Congressional Knowledge, or Stock act was signed into law yesterday April 4th, 2012 by President Obama, prohibiting members of congress from buying and selling stock based upon inside information. It is about time that this was passed, given the 6 years the bill has been worked on and the opportunity for […]

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There is a commercial running now advertising investing in diamonds instead of gold, touting “diamonds the new gold.”. Many people have lost interest investing in gold, since the price has dropped to around $1,600 per ounce from a high of a $1,895 in September of 2011. Unlike gold, for the average consumer there isn’t a […]

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You may have heard financial advisers advertise their top Barron’s rating on the radio, but have you wondered what it means? If so read this great article from another blog…

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I previously wrote about the federal lawmakers exemption from insider trading laws, allowing them the ability to buy and sell stocks, bonds and real estate using inside information. The lawmakers have access to privileged information that helped many of them to become multimillionaires, peddle influence, and secretly make the information available to hedge-fund managers that only the […]

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The media chatter seems to be full of information about Facebook’s and Groupon’s initial public offering (IPO) of stock. Many people wonder if IPOs make good investments. It is very difficult to determine the value of a stock that has been around a while, let alone a new one with little information to go on. […]

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Conventional retirement projections in most retirement financial planning software packages and calculators looks at everything the moment you enter it, such as your goals, assets, benefits, and expenses coupled with assumptions for taxes, rates-of-return and inflation. Since this is just a calculation it doesn’t measure probability of all of the many variables that could possibly […]

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