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A Few Ways to Earn Extra Money Part Time

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The concept of extra cash is practically nonexistent. However, many people have taken matters into their own hands a found creative ways to earn extra money part-time.

Why Does It Feel Like My Own Expenses Are Going Up Faster Than Inflation?

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Last year, the US Bureau of Labor Statistics reported that inflation was 3%, but many of us feel that things have gotten far more expensive. I feel that there are three reasons for this…

Bonds Part 1: The Difference Between Price and Yield

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The way the media reports day to day bond market activity can be confusing. The reason is…

Annuities Part 2: An Example of How to Use Annuities in Retirement

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As I had said in the previous installment of this series on annuities, when used well an annuity can be a life saver. About five years ago…

What Are Derivatives?

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I remember years ago I saw a funny thing on TV where a journalist was approaching Wall St. brokers at random and asking them what a derivative was. Comically one after another stumbled over their words trying to concisely explain them. Another comical, but more in a highly depressing way was when I was listening to an interview with a very prominent congressperson (who shall remain anonymous) who called for completely out lawing derivatives. My hand slapped my forehead in dismay. It was a careless notion that I could only hope was intended more for political sound-biting.

The Bond Rating System

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The bond rating system can be confusing because there are three separate but similar systems of rating bonds. We all hear of “AAA” rated bonds, and then know…

Financial Management Unique to Baby Boomers

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Boomers are in a tough spot. They’ve had two of the most severe stock market declines in the past 80 years and now they are in an investing environment with fixed income rates (such as on CDs or savings bonds) that haven’t been this low in their lifetimes.

The Top Financial Predators In Life

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Finally, discover your financial predators that can make you broke and poor. Find out how you can avoid them for life. This is all about knowing your opponent when it comes to money. Learn how you can control your money and be the master of it, not the other way around.

Why Buy Karatbar Gold

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Instability is the word that best describes the global economy at the moment, as we seem to be teetering on the edge of a cliff, and a single push will lead to a free fall. The results will not be pretty as entire countries will go bankrupt and their paper currencies will plummet. However, gold, which is the only true currency, will always maintain its intrinsic value. That is why everyone should consider hedging their assets with gold.

Municipal Bonds 101

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There’s only one way that people have the chance to earn a tax free rate of return and it’s through municipal bonds. This is different (and better) than a tax deferred investment, which enables you to pay the taxes down the road such as when you sell it (like an annuity) or when you start taking withdrawals (like with a Traditional IRA).

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