Everyone loves a deal but often investors fall into the trap of an emotional buy, “that low-priced stock is a bargain, and I should buy it.” A five-dollar stock that moves to $10 is a 100% gain it doubles your money; that feels like a win-win, right? Unfortunately, it’s an emotional way of buying stocks. A rational analysis would be that a low-priced stock is not usually a “cheap” stock but may actually be fairly valued or even overvalued.
Take a look at . . .
I spend most of my time as a Financial Advisor telling my clients not to try to time the market. Study after study shows that no advisor can consistently time the market, as you have to be right not once, but twice. First, you have to guess when the market will begin to tank, sell it all, then know when to jump back in after the market has bottomed out and is ready to take off again. But there is one exception to when I can confidently say that you should and could time the market, and that . . .
A broad-based commodities index as represented by the Bloomberg Commodity Total Return Index will help diversify an investment portfolio made up of both stocks and bonds but will not necessarily improve returns in the same portfolio over the long run.
The Bloomberg Commodity Total Return Index is a broad-based index of 24 commodities. The heaviest weighted commodities in the index include natural gas at 10.8%, gold at 9.8% and oil at 9.7%. The index also includes such commodities as . . .
A college education is likely one of the most significant purchases a young person today will make, ranking behind their first house, but probably more than their new car. This was not always the case. Like many other children of the WW II generation, we were able to go wherever we wanted to college and could take on student loans to make up any shortfall. Many of my fellow moms and dads think this is still the case, but as you will see below, such assumptions could cripple the . . .
Leveraging your divorce to maximize college financial aid for your child
Author: Robert J Falcon, CPA, MBA, CFP® Candidate
Release Date: 4/3/17
There are many complexities associated with sending your child off to college. Perhaps the biggest factor that keeps parents up at night is the cost of college. Unfortunately, at $25,000/yr for in-state public institutions to $50,000/yr at private institutions, a 4-year education can approximate that of a small starter house. Multiply that by 2 or 3 kids, and the cost approximates that of a very nice house. Unfortunately, many students are taking on huge loans without regard to their . . .