July 2009

Bonds and Asset Allocation

July 31, 2009

Hi All, Earlier this week we talked about asset allocation and risk. According to asset allocation theory, the greater the mix of investments you have, the less risk you run. One way a lot of people reduce their portfolio risk is by adding bonds to their investment holdings. Proponents of asset allocation argue that its [...]

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Picking up the Tab: Who Pays?

July 31, 2009

So we’ve all likely had experience around picking up the tab at restaurants. This can particularly be a bit touchy on first dates or at the beginning of relationships.Everyone has different opinions, but this is my take on the matter. I’m traditionalist in thinking that it is appropriate for the guy to pay on the [...]

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Wealth On Autopilot & Internet Notables

July 30, 2009

Hi All, Its Thursday. I’ve mostly been thinking about criminological theory for the past three days, so our wealth building has pretty much been on autopilot. Here are some brief highlights of what we’ve been doing to improve the bottom line: 1) Purchased an additional blog. We’ve seen strong revenue and traffic growth here at [...]

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Deadbeats At Prosper.com

July 29, 2009

Hi All, I got this email yesterday. Its from the peer to peer lending company prosper.com. Basically, the company is saying that the number of deadbeats on their website is increasing. I’m posting this as a bit of a consumer advisory. If you are interested in getting into person to person lending, be aware that [...]

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Should I Separate My Checking and Savings Accounts?

July 29, 2009

YES!!! Its important to separate your checking and savings accounts. Why? Two reasons. First, you should be putting your emergency fund into a separate savings or money market account. This is important because you need a safe place to stash your reserves where it won’t get raided to pay for daily expenses. Second, if you [...]

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Possible Fraud in Silver ETFs

July 29, 2009

Hi All, Since we’ve blogged about owning silver before, it’s only responsible that be mentioned. Evidently there have been accounting anomalies with iShares SLV and London-based ETF Securities (SLVR) exchange traded funds. These anomalies were identified by an investigative team working with Zerohedge.com. After catching wind that there were possible problems with these funds, Zerohedge [...]

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It all Adds Up

July 28, 2009

We all know that interest rates are in the tank these days, but it still adds up. We put away our emergency cash of $5,000 about a year ago and I just noticed that we’ve passed the $100 mark for interest earned. This year on our combined accounts we’ve earned $300, it might not be [...]

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Asset Allocation: Aggressive Vs. Conservative

July 28, 2009

Hi All, Okay. So, this posting is following on the topic of asset allocation. At this point I am assuming that you’ve figured out how much risk you are willing to take and are curious about how you should be allocating your money. Well, here are some breakdowns of what a reasonable asset allocation is. [...]

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Executive Pay About 1/3 of Total Wages

July 27, 2009

This just in. Executives now take home about one third of total U.S. wages. The figure is probably higher when you factor in stock options and other forms of non-wage compensation. From the WSJ. Best, James p.s. For the record, this trend bothers me. But, I just haven’t put my finger on exactly what about [...]

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Asset Allocation and Investment Selection

July 27, 2009

Hi All, Okay, so following our recent theme of writing more about asset allocation, here are some thoughts about what kind of assets you want when you are building wealth. 1) Your portfolio should have a broad mix of assets. For example, you want different sorts of investments in your portfolio: bonds, stocks, real estate, [...]

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