How Much Diversification is Too Much Concerning Stocks and Investments?While giving too much importance towards the advantages of diversification in the stocks and investments world, we don’t realize that how badly it affects when diversification is involved too much in stocks and investments world. What would be its consequences after that? If diversification is not done properly, even over diversification is included in it then it is really harmful to the whole system.

How much diversification is considered as harmful?

Some visible signs of judging that how diversification is inclined towards harmfulness are discussed as below:

Having extra mutual funds due to a single investment

To invest in more than one mutual fund with extra costs burden of investments, the increment in required investment due to diligence and reduction in the rate of diversification can lead to such problems of risk taking.

Excessive use of multi-manager investments

Small multi-manager investments products like funds of funds can lead towards the instant diversification. Whenever you consider investment products related to multi-managing you should compare the advantages against the lack of customization, increasing costs, etc. Take help from your financial advisor as well in this matter.

Having some private non-traded set of investments

Non-traded investment products are only for the price stability and for the benefit of diversification in the public trade. Most important thing in it is that the complex and pattern of irregular methods should be understated to value them. There are many investment plans like this as price equity, non-publicly traded real estate, appraisal value, etc. in the field of real estate.

What effects are created by too much diversification in stocks and investments?

Decreasing Quality

There are so many multinational and established companies that offer prices at very low level due to the maintenance of margin of safety. So it means that the more you put into investments and stocks, the less concentrated portfolio would be for the growing and better opportunities.

Enough complicated

Many investors are there in the market. That tends to add so many types of assets in their portfolios that at the end it becomes much complicated, not understandable. It becomes even difficult for them to understand what it means. It makes you learn that the part of doing diversification is really important but makes it simple.

Risk in Market

Before buying any sort of funds that is relevant to indexing, make sure that you have understood the mathematics of investments and stocks which lower the performance of portfolio altogether. So, the market risks affect the investor’s money that sometimes it is achieved closer to the average returns caused by the volatility of market risks.

Return in below average condition

Similarly, over diversification is also counted as a demerit of diversification. Due to this fact quality suffers altogether. It makes you own the inferior and lower investments along with the proper investments storage. Over diversification also makes you earn below average returns made through the transaction fees or any high mutual fund fees. It is a duty of the investor to make their decisions carefully. They should not let their emotions cause them to make wrong decisions of buying at higher prices and selling in low budgets.

Bad investment decision

Many investors are there who use investment products such as index funds or traded mutual funds for over diversifying. It does not make any sense because in the long run market underperforms due to these practices.

How to Buy a Gold MineTrading in gold has long been a practice around the globe. Gold is, without a doubt, a well-known commodity within the trading community. With the commodity exchange spreading its roots in all places gold has again become an apple of the investor’s eye. A lot of People find the investment in gold as the safest simply because it offers a great amount of market stability. Trading in gold presents a wide selection of feasible opportunities.

One benefit of gold trading is that it does not have high volatile fluctuations. Needless to say, a profitable trading transaction means buying at a cheap price and selling at a very high price. In that sense, gold offers a great range bound price activity at the commodity exchange. A good speculation also takes place which keeps attracting interest.

Buying a Gold Mining Claim

With the rising gold price in the last couple of years, there has been a greater interest in gold mining and people keen on buying a mining claim. Just like anything else in life, it is crucial that you do your due diligence before making any significant purchase. You should do this because lots of mining claims sell for large amounts. There are lots of valid claims out there that are worth purchasing, but the industry of mining claim sales is also ravaged with a snake-oil salesperson, offering claims which have hardly any mineral value. Below are some findings and questions that you ought to ask before thinking of buying a mining claim.

When was the claim filed?

Most high priced mining claims have been around for quite some time, sometimes several decades. If a claim was only filed a couple of months before sale why would the original claim holder sell it so soon? Is there any sign of earlier mining activity in the field? If there is no proof of prior mining and a claim is just a few months old, you should be very suspicious of the mineral values offered on the claim.

What sort of claim is it?

There are actually patented and unpatented mining claims, with the largest percentage of claims being unpatented claims. This implies that you are buying mineral rights to the land and that is all. The land itself remains public and open to campers, hikers, shooters and anybody who wants to recreate on the land. There is a very common false impression that possessing a mining claim gives you your own private piece of land all to yourself; this is simply not the case. You are going to only own the rights to the mineral resources on the land, and that is all.

Will the seller permit you to sample the claim just before buying? If the seller refuses to, refrain from the purchase. Give it some thought, would you buy a pre-owned car without firing it up and taking it for a test drive? Obviously, you wouldn’t. Why then would you buy a claim that you were not permitted to sample for a couple of days before opening your wallet? Anyone selling a valuable claim should really welcome you to sample the property, which would show its worth. You should not buy a mining claim site unseen.

Know that it usually costs less than $200 to file an unpatented mining claim. If the seller is requesting a lot of money for their claim, the burden is on them to prove to you that there is sufficient gold there to justify the price tag.

Blue Apron Family Plan ReviewImagine feeling relieved after an exhausting day at work and coming home to have dinner waiting for you, hot and steaming in a plate on your dinner table.  Well, the dream of effortless food lives on Blue Apron! Blue Apron is a meal delivery service designed to supply you with recipes and all the ingredients needed for the recipe.  The company has grown at an explosive rate in recent years so I am going to give it a review here on DINKs Finance.  Without further ado, here is my Blue Apron Family Plan review.

High Prices

First of all, price is a major factor.  Per Blue Apron’s website, the Blue Apron Family Plan costs around $8.74 dollars per serving.  The plan offers two packages, one is two recipes per week, and the other is four recipes per week. By signing up for the desired plan, you get the ingredients delivered right to your doorstep. With two recipes per week, you receive one box with two recipes. And with four recipes per week, you receive two boxes per week each having two recipes.  Of course, this isn’t as cheap as buying the groceries for yourself, but it is definitely not as expensive as ordering from a restaurant. Here is a handy screenshot of the pricing.

Blue Apron family plan review pricing

Fresh and Quality Ingredients

You get to choose the recipes you prefer, and the ingredients arrive in appropriate packing to ensure the freshness. The ingredients are high quality and as fresh as claimed on their website. The Blue Apron box contains the card with written and visual directions, so you don’t really have to be a master in the kitchen to know how to utilize the box. Apart from looking for directions on their website, you can even download Blue Apron App for directions and tutorials.

Easy to Prepare and Cook

I found the ingredients in my box to be high quality. From vegetables to meat and fish, everything was of best quality. The condiments were carefully measured and packed. I found the box worth my money. Cooking was easy – you have to just toss everything into the pan and dedicate some time to get it in the final shape. Also, the amount was sufficient to feed the number of individuals it was meant for. The recipes don’t take more time than they have mentioned in the directions. It took me around 30 minutes to cook my recipe, and it turned out decent. Below are a few pictures from the spicy shrimp coconut curry that I cooked.IMG_20170313_205858678 IMG_20170313_205644771

Drawbacks: Not Good For Special Diets

One of the flaws I could see is that it might not be a very convenient option for picky eaters since you cannot get a certain ingredient of a recipe changed if you don’t like it – no substitutions.  Also, Blue Apron doesn’t offer gluten-free or vegan options – just vegetarian or pescetarian menus. If you have food allergies, you will have to be a little more careful before going for Blue Apron.   They do, however, post all their menus four weeks in advance so you can plan out your diet.

The Blue Apron customer service number is: (888) 278-4349.  They actually pick up the phone during business hours and the representatives are friendly.

My Blue Apron Family Plan Review Bottom Line

In my opinion, the Blue Apron Family Plan is not worth it unless you are very busy. The price per serving is high – which means it isn’t great for people who are seriously frugal. You may be able to find better prices if you shop yourself. Even though the service was convenient, I personally enjoy going to the supermarket and purchasing my own food. This gives me the chance to get out and spend some time at the store with my significant other.  That said, for busy people having the ingredients and recipes in a convenient package may be what you need.  You can always make cooking together a fun family activity.

So, if you are going to get Blue Apron – find a way to save money on it.  This link is good for $30 off your first order. You can always cancel after your first week.  Another idea would be to call their Customer service number (888) 278-4349) and ask for a discount, they may be offering three free meals if you ask nicely.

If you liked this Blue Apron Family Plan review, feel free to leave a comment below or share it on social media!

Credit Card Advice Everyone Should Know

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A Review of the Investing App Robinhood

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Robinhood was developed around just a single promise: no-fee stock trading. The app was launched in 2014 and rapidly grew to become a favorite among people who want to invest without paying $7 per trade. Since the app was launched, it has gained several thousands of users and facilitated over $1 billion in trades. The […]

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