Among the numerous economic and financial indicators that investment advisors utilize in an attempt to predict future stock market performance there is a pretty broad consensus that company profit margins (or earnings per share) are one of the better predictors. The challenge, of course, is the difficulty of predicting future profit margins. Currently for the…
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The New York Times recently reported on research at USC suggesting that when under stress, men take more risks than women by focusing on bigger wins, even when they are costly and less likely. One experiment involved giving points for inflating digital balloons on a computer. The trick was to pump them enough to maximum…
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This is a companion blog to the one I wrote previously on using dollar cost averaging (DCA) as a way to slowly buy into the market to avoid the risk of investing a large amount of cash at a market peak. That approach works when you are in the accumulation phase of your life (the…
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Have you ever been in a situation where you found yourself with a large amount of cash to invest? Perhaps it was from an inheritance, or from a bonus at work. Or maybe you actually won a lottery! In any case, how did you go about investing the money? Did you identify some number of…
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The recent volatility in worldwide stock markets reminds us that stock and mutual fund prices can and do fluctuate frequently and sometimes wildly. Indeed, coming on the heels of one of the best years for investing in several generations (2013), the market’s recent gyrations appear that much more unexpected and severe. The fact is that…
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As is probably well-understood, one of the most valuable benefits of life insurance is income replacement should the breadwinner(s) in a family unexpectedly pass away. For this reason alone, just about everyone supporting a family should have some amount and some type of life insurance during their working years. It’s less clear, however, whether or…
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