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Make 2017 the Year You Gain Control of Your Money – Women’s Money Week

Posted by on 11:41 am in Money Management, Personal Finance | 0 comments

Make 2017 the Year You Gain Control of Your Money – Women’s Money Week

Women’s Money Week 2017 – Launch Your Best Financial Year Ever – #WMWeek2017 I’m honored to be selected as one of the California ambassadors for this ambitious financial education program, Women’s Money Week 2017. And, I want to invite you to participate in Womens Money Week 2017 to enrich your financial life. Sign up to receive FREE Daily Action Kits and Event Tickets (click on link and then scroll down) Here’s Why You Should Check out Women’s Money Week 2017 Are you worried about money and don’t know where to turn? You are not alone! Most women feel the same way about money as you do. 74% of women feel misunderstood and confused by money messages. 1 in 3 women lives in or on the brink of poverty*. 63% of Americans say they can’t handle a $500 surprise bill. Check out these women’s money statistics: Less Than 20% Fewer than...

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What is Multifactor ETF Investing – Is it Worth a Try?

Posted by on 1:35 pm in Advanced Investing, Investing, Mutual Funds, Stocks | 0 comments

What is Multifactor ETF Investing – Is it Worth a Try?

Multifactor ETF Investing – A Better Way to Index or Not? Seems as though there’s always a new investing angle cropping up in an attempt to beat the market. We have smart beta, implemented by the robo-advisor Personal Capital, and then the older investment strategies momentum, undervalued and technical analysis. New twists on the index fund front include, equal weight and other tweaks on the traditional market cap weighted fund. The Wisdom Tree Investing firm is dedicated to alternative index fund investing strategies. Bonus; Top 7 Investing Mistakes to Avoid>>> Thus far, I’ve stuck with the market cap indexing and dipped into small cap and value indexes to capitalize on their historical outperformance. But, I’m curious to find out whether the multifactor ETFs will have a place in the “research tested” index fund investing sphere. Hot off the etf.com press is what Sumit Roy calls “Smart Beta 2.0: Multifactor...

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Ultimate End of Year Retirement Planning and Hot Links

Posted by on 10:35 am in Links, Money Management, Personal Finance, Retirement | 0 comments

Ultimate End of Year Retirement Planning and Hot Links

Ultimate End of Year Retirement Planning Dara Luber, senior manager of retirement at TD Ameritrade came out with a simple, actionable end of year retirement planning list. Although you’re probably managing multiple activities now, with school vacations and holiday planning, don’t forget yourself. By dedicating some time to end of year retirement planning, your future self will thank you. Give yourself a gift by taking a few moments to improve your financial retirement life for tomorrow. You still have a few weeks before January 1 to  boost your wealth building for tomorrow-today. Increase 401(k) contributions by just 1 percent: If your income goes up a few percent every year, it’s crucial to up your 401(k) contributions as well. If you automatically increase your retirement savings after a salary increase, you won’t miss the money, you’ll save on taxes and exponentially increase your retirement nest egg. Think and build multiple streams of retirement income: Consider...

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2016 Best Money and Investing Holiday Gifts

Posted by on 8:42 am in Personal Finance, Tips, Wealth | 0 comments

2016 Best Money and Investing Holiday Gifts

Top Money, Investing and Tech  Gifts-Inspired by Money Magazine I’ve subscribed to Money Magazine for decades, and I can’t cancel my subscription. And it’s not that I haven’t tried. Sure, I’ve let the subscription lapse for a few months over the years…. only to subscribe again, for that one or two great finance tip each month. This months best holiday money and investing gifts surprised me once again. You’d think a finance expert wouldn’t need the rudimentary Money Magazine advice. Yet, there’s always at least one nugget, that I hadn’t thought of, which makes the subscription worthwhile. For example, the December issue hit a triple. First, my child-psychologist husband wanted a copy of the “High Cost of Coping” article discussing the importance and expense of treating anxiety, depression, eating disorders and other mental health issues. In the “Your 20 Best Money Moves for 2017” my stake in an emerging market ETF...

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How to Get Rich Without Winning the Lottery

Posted by on 11:55 am in Budget, Investing, Personal Finance | 5 comments

How to Get Rich Without Winning the Lottery

Wealth Building Road Map; How to Get Rich-Without Winning the Lottery I’m pained every time I stop by the neighborhood drug store and see the folks scratching off the lottery tickets. You’re as likely to get rich “investing” in lottery tickets as you are to get killed by lightning. How to Get Rich Without Winning the Lottery will lead you on a step by step path to become a millionaire. The book is filled with actionable tips to slash costs and ways to build wealth automatically.  Would you like a “get rich” approach without hyperbole? (Not a get rich quick scheme.) Are you interested in a workable, life long blueprint for wealth? Here’s a guide for  lifetime wealth, filled with tips, strategies, and actionable steps to go from money loser to money winner.  How to Get Rich Without Winning the Lottery Learn to save $70,000 now, with a few paragraphs from  How...

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Trump’s Policies to Hurt Latino’s & Their Money

Posted by on 8:55 am in Economics, Guest Post | 1 comment

Trump’s Policies to Hurt Latino’s & Their Money

How the Trump Presidency Will Affect the Latino Community By Guest Contributor, George Diaz No one saw this coming. Well, certainly not the media and the pollsters, who had given Donald Trump only an outside chance at winning the election. After all, how could a man who has been accused of being a bigot, racist, sexist, and deemed unfit to run a country defeat an accomplished politician of over 30 years? But indeed that’s what happened. Bonus read; You Need to Know How the Election Will Impact Your Finances>>> Trump, a man who had promised the mass deportation of millions of people, called Mexicans rapists and murders, promised to crack down on illegal immigration, and build a wall that Mexico was going to pay for, become president. And, even though he does have some Latino supporters, the majority of the Latino population reacted with horror. Friends, of all races,...

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Win Win Negotiation – How I made $500 in Ten Minutes

Posted by on 10:26 am in Personal Finance, Saving, Tips | 3 comments

Win Win Negotiation – How I made $500 in Ten Minutes

 “I’d like to add that negotiating is not something to be avoided or feared – it’s an everyday part of life.” ~Leigh Steinberg Win win negotiation means that both parties leave the negotiation happy. Of course, you want to get what you want, but the best negotiations leave with both parties feeling satisfied.  Win Win Negotiation in Everyday Life There is hardly a consumer situation I’ve encountered that wouldn’t benefit from a little negotiation. If you take the opportunity to negotiate-for a better price or an add-on service, you’ll bank more money over time. And each year, tack on extra cash and over time, it adds up. Here’s a story from the beginning days of this website, to show you how a bit of organization and negotiation saved me $500. Several years ago I got a call from the mechanic looking at my 1998 SUV with 100,000 miles on...

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You Need to Know Now-How the Election Will Impact Investments

Posted by on 9:17 am in Investing, Personal Finance, Stocks | 2 comments

You Need to Know Now-How the Election Will Impact Investments

How the Election Will Impact Investments Update! The Results are In & Donald J. Trump is the New President Last night at a cocktail party someone asked me if Clinton or Trump would be better for the stock market. Now, the average investor doesn’t change their investment mix depending upon the news. In fact, I’ve encouraged readers for years to take a passive index fund approach to investing.  Yet, it’s not unusual to wonder if there might be a last minute tweak that would safeguard your investments against an unknown future. Bonus Read-MBA Course: Investing & Portfolio Management Passive Investing>>>  So, with the excitement, emotion, news and policy statements, you may be wondering if Clinton or Trump will better serve your investments. Here’s a sampling of what the experts are claiming about the performance of the stock market during and after an election year. You’ll find out whether a Democratic...

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Expert Financial Advice; What Not to Do With Your Investments Now

Posted by on 11:26 am in Asset Allocation, Investing, Retirement | 20 comments

Expert Financial Advice; What Not to Do With Your Investments Now

Is it time to sell your stock investments? If you have a workplace retirement account or brokerage account with investments in the US stock market you may be tempted to sell now. Markets are unpredictable and volatility is scary. Volatility is the Price You Pay for Returns Investing 101 informs that you need to take some risks in order to be eligible for a larger return. The problem with that reality is that no one enjoys seeing their investments decline in value. Even if you don’t know anything about investing or understand the mutual funds in your retirement account, you understand a 5 year annual 16.31% gain in your Vanguard Total Stock Market ETF (VTI). You realize that a 16% return is much better than the 0.60% return you’re earning on the cash in your savings account. Not only are investors usually happy with double digit gains, but after large gains, their...

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Actionable Ways to Make More Money Resource Center

Posted by on 9:28 am in Make Money, Personal Finance, Saving, Wealth | 2 comments

Actionable Ways to Make More Money Resource Center

Make More Money Resource Center Do you have more month than money?  Are you worried that you’re not making enough money now and don’t see prospects to make more money in the future? Are you concerned that you’ll never be able to retire? The Make More Money Resource Center is your starting point for scores of strategies to make more money, for today and tomorrow. Ultimately, use what you learn to maximize your earning potential, live well for today as well as to save and invest for tomorrow. If you’re in a hurry-jump right to the money making articles: Click on a category and get a list of money-making articles:  Entrepreneurship-How to Make More Money With Your Own Business Where to Find Scores of Side Hustle Jobs  Easiest Ways to Make More Money  Lifetime Earnings Are Staggering + Job Uncertainty Over your lifetime, you’ll likely earn several million dollars. Additionally, those with more education...

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