In many of my posts, I talk about the need to have an investment thesis for companies in which we choose to invest. This is a must, however, I’m not in love with the term thesis. The term thesis, to me, implies that there will be a lot of work and very little of it […]
A Thesis in 15 Minutes Read More »
In many of my posts, I’ve discussed low-cost S&P 500 mutual funds and ETFs. Today we’ll take a look at what we’re actually getting when we buy shares. Saddle-up. What is the S&P 500? The S&P 500 is a stock index. There are many indices available. The S&P 500 is a very popular one. Investment
I’m Buying An S&P 500 ETF. What Am I Getting? Read More »
In order to build wealth through investing, it is important to have the right mentality. In this post, we’ll dive into some historical data to better understand market trends and help us remain steady through market volatility. In prior posts, we’ve talked a lot about the mechanics – how markets work, asset allocation, stocks and
Investor Mentality Read More »
In this post, we’ll break down the steps involved in building an investment thesis for a company in which you are interested. It Starts With an Observation All investments – good and bad – start with an idea, or an observation. I’ve referred to the Peter Lynch story about seeing L’eggs eggs all over the
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Dividend Stocks are a compelling investment option. They have the potential for capital appreciation, and they also make regular dividend payments to shareholders. You can see more detail about stocks and dividends in my post on stocks, but to give a quick recap, stock ownership is ownership of shares of a company. Companies that are
A Health Savings Account (HSA) is becoming a popular but frequently misunderstood employee benefit. An HSA provides huge tax advantages so let’s dig in. What it’s Not I’m sure I’m breaking every literary rule by starting off with what an HSA is not, but for those of us who began our employment with Flexible Spending
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Your credit score is much more important than you may realize. Let’s dig in. Many people refer to their credit score as their FICO score. Just like FEDEX is not the only package delivery service, FICO is not the only credit score. While they all use similar criteria, the results can be different, which is
Time is the secret weapon in building wealth. For those who only read the 1st paragraph of an article, I wanted to get this out there first. So there you have it. Let’s talk about why. Sylvia In preparing for a personal finance class I was teaching a few years back, I came across an
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Unless you end each month with more money than you know what to do with, you need a budget. If that sounds like an exaggeration, it’s not. Why Budget? Before we talk about the mechanics of creating and managing a budget, let’s talk a little about why you need one. Most of us work
Bonds are a key part of a diversified investment portfolio. In this post we’ll talk about what a bond is, how it works and the role it plays in your portfolio. A bond is a fixed income security, which means it is a security that has a fixed duration and a fixed interest rate. Fixed