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Protect Yourself With Put Options
Hi NeedMoneyers, In previous posts, I’ve discussed protecting yourself against inflation, identity theft and against the ramifications of not having a sufficient emergency fund. Now, I’d like to discuss ways to protect your stock portfolio against market declines. For those of you who have long time horizons for your stock holdings, protecting your portfolio becomes [...]
Continue reading...Two Ways To Protect Yourself From Inflation
19. November 2010
Hi NeedMoney fans, I’ve recently discussed ways to protect yourself from mortgage modification scams and from identity thieves. Now, I’d like to convey some advice relating to how to protect yourself against a more insidious enemy — inflation. Should inflation rise, the actual value of the majority of your investments — especially fixed income — [...]
Continue reading...Avoid Margin Like The Plague
26. October 2010
Greetings NeedMoney, James here about the perils of buying stocks on margin. Many of us who need money attempt to fill the gap with that one large stock trade which will bail us out of our financial woes. One tool used by stock traders looking to make a killing is called margin. This is when [...]
Continue reading...Stocks Versus Bonds
23. October 2010
Hi NeedMoney readers, James here with some basic talk about stocks and bonds. Many novice investors do not understand the difference between stocks and bonds, and their appropriate place within your retirement and savings portfolios. When you own a stock, you actually own a piece of the company. When the company does well, then the [...]
Continue reading...Saving For Retirement
11. October 2010
James here. I’d like to discuss something which many of you probably avoid like the proverbial 800 pound elephant in the room. Most Americans are woefully deficient when it comes to retirement savings. Social security can definitely help, but it is not viable to depend on it as your sole source of income during your [...]
Continue reading...CDs: Why Large Banks Are Ripping You Off
11. September 2010
If you are thinking of saving money with a CD, you might be throwing away money by choosing a large bank to deposit with. CDs, or Certificates of Deposit, let account holders put away money for a fixed period of time and get a fixed return on their deposit. A recent trend has seen a [...]
Continue reading...Beware Of Yield Traps
22. July 2010
Investors seeking an income stream from their holdings gravitate to either bonds or stocks which pay a dividend. Many stocks do not pay a dividend, and consequently there is no income provided from their ownership until the position is sold. Cash flow is especially important to those just entering retirement when income from investments becomes [...]
Continue reading...401K Mistakes To Avoid
16. July 2010
Many Americans plan for their retirements with an employer-sponsored 401K plan. A 401K allows you to invest pre-tax money, and not pay taxes on the investment gains within the account until you withdraw the money upon retirement. Deferring taxation to this degree greatly accelerates the returns within the account helping you save more efficiently for [...]
Continue reading...Present Day Gold Rush?
13. July 2010
All you have to do is look around to realize that the economy has been shaky for quite some time. Unemployment is on the rise, markets are uncertain, and people are struggling to get by. When the economy has been down historically, gold has tended to increase in value, and today is no exception. In [...]
Continue reading...What Is The VIX?
27. June 2010
The VIX is the acronym standing for the CBOE volatility index. In simple terms, it is a number which represents the current volatility of the stock market. There are times which the stock market seems stuck in a narrow range and only moves a tiny fraction day to day. During these times, the VIX is [...]
Continue reading...What Is FOREX?
24. June 2010
FOREX (or FX) stands for foreign exchange, and it is the markets where currencies of all countries are traded against each other. FOREX markets have volume which dwarf any other, including the stock and commodities exchanges. Current estimates are that over $1 trillion changes hands within FOREX markets on a daily basis. Participants arrive in [...]
Continue reading...TIPS Can Be Your Best Weapon Against Inflation
18. June 2010
Many saving for their retirements are afraid that runaway government spending will create severe inflation thus diluting the eventual value of their investment portfolios. Those nearing retirement with investments primarily focused on fixed income are especially vulnerable to rising inflation. When inflation goes up, then the purchasing power of your dollars goes down. Savers and [...]
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22. November 2010
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