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Yielding Wealth | Personal Finance

October 13th, 2008

Ask the Piggy Bank: Should I Put Off Retirement?

I’ve been thinking about my parents a lot lately, since they are approaching retirement age. My husband’s dad retired last year, and his mom expects to retire this year. So I’ve been contemplating their situations. I also had a brief email conversation with Patrick over at Cash Money Life in which he wondered how many […]

By miranda -- 0 comments

October 8th, 2008

Personal Finances Poll: What Are You Doing With Your Investment Portfolio?

With all the craziness in the stock market (bailouts and rate cuts just aren’t doing the job), I thought I’d toss up this poll:

As the economy tanks, what are you doing?

Nothing. Overall, things head back up. I’m sitting tight.

Taking a measured approach. Looking at my portfolio. Keeping the solid investments. Considering cash.

Sitting back. I pulled […]

By miranda -- 4 comments

September 29th, 2008

Investors Express Their Displeasure with Congress: Stock Market Tumbles

The Dow ended waaaay down on the day today, shedding as many as 777 points at one point. The House voted down the bailout package, and investors showed their displeasure, sending the stock market tumbling. Another day like this, and the market will be below 10,000 points. The Street reports on the reasoning behind today’s […]

By miranda -- 5 comments

September 18th, 2008

Ask the Piggy Bank: What is Deflation?

I received this interesting question from a reader last night:
I’ve been hearing a lot about inflation lately. But now I’ve started to hear about deflation. What is deflation?
An excellent question! At its most basic, deflation is a fall in prices. It is the opposite of inflation. In the sense of this economy, deflation is most […]

By miranda -- 1 comment

March 28th, 2008

Stock Investing Now: Stick to Strong Fundamentals

One of the things I am constantly asked is whether it is time to get out of the stock market. Since, over the long haul, the stock market usually manages to come out ahead, I say. “No.”
But there is a qualification. Look at your investment portfolio and make sure that you are investing in companies […]

By miranda -- 1 comment

February 26th, 2008

Why the “WOW” Factor May Not Be Best When Choosing an Investment

If you are an investor that goes in for the long-term, and may not be especially keen on the short-term trading, the WOW factor may not be what you are looking for.
In investing terms, stocks with the WOW factor may be seen as “growth stocks.” These are stocks that offer returns that might make you […]

By miranda -- 3 comments

February 15th, 2008

Ben Bernanke Mentions Possibility of More Rate Cuts

Yesterday, Ben Bernanke testified before Congress about economic stimulus and the possibility of more rate cuts. He did stop short of saying that the US would enter a recession. Instead, he pointed out that while economic growth will slow, negative growth was not a foregone conclusion.
The stock market wasn’t overly impressed by his testimony, and […]

By miranda -- 0 comments

February 11th, 2008

“Economic Stimulus” Won’t Fix Long-Term Economy

One of the main things to keep in mind about investing, and even the economy, is that the whole thing is cyclical. There will be downs as well as ups. The idea is to arrange your personal finances — and your investment plan — in such a way that you can weather the down cycles […]

By miranda -- 13 comments

January 22nd, 2008

Breaking Financial News: Emergency Fed Rate Cut

Today’s breaking financial news is an emergency Fed rate cut of 75 basis points, bringing the overnight lending rate to 3.5 percent and the fed funds rate to 4.0 percent. This is the biggest cut since 1982. Apparently, while the Fed still won’t say “recession,” it is starting to take the economic situation seriously. MarketWatch […]

By miranda -- 4 comments

January 21st, 2008

Beating the Bear Market: Focus on Allocations

One of the keys that Paul Farrell mentions in his MarketWatch article on beating the bear market is the importance of allocations:
Once you determine exactly what asset allocations fit your particular needs, stick to them. Remember, the mix of specific indexes is crucial, not the specific funds. Rebalance when necessary to bring your portfolio in […]

By miranda -- 0 comments