Archive for the ‘Personal finance’ Category

PostHeaderIcon Investment Strategy for Retirement (Part 1)

Certainly not too many people in their 20s are thinking about retirement. At this stage in your life, you’ve recently graduated from college and busy navigating your career to gain professional experience. Unfortunately, unlike your parents’ generation, employers no longer offer retirement pension plans. Nowadays, the burden is on you to invest in your own retirement funds. Forget about social security; by the time many people reach retirement age, monthly benefits would be reduced by 21% beginning year 2034 according to the Motley Fool. Thus, we definitely can’t rely on Uncle Sam to help us in our golden years. The U.S. government can’t even balance the country’s budget and currently, the national debt is almost $20 trillion. That’s a liability of $166K debt per tax payer according to US Debt Clock.

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PostHeaderIcon Buying Stocks or Buying Land?

Our second week class for CSS (Certified Securities Specialist) has just ended earlier. For me, it provided a lot of learning and refreshes my mind about financial statistics and math investment. I was a little excited in attending yesterday (Friday) for the start of our second week. I ask myself, why I felt such an excitement. My mind just shut out, then I tried to rationalize, probably it is because it is my desire to learn more about the field I am interested in (Financial Planning). After the class earlier, I found the real answer; the topic was an amazing one. Expecting the best to happen really provides such excitement.

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PostHeaderIcon Important Lessons From The Millionaire Next Door

When we think of the rich, we often picture the affluent living in mansions, driving expensive foreign cars and lavish vacations as portrayed by the media, but our perception of the affluent has been distorted by high consumption driven advertisements and Hollywood. Based on years of extensive research, Dr. Thomas J. Stanley and Dr. William D. Danko, discovered that people who live in expensive neighborhoods across the United States have actually very little wealth. Their book, The Millionaire Next Door, surprisingly reveals that those with great wealth, the multi-millionaires, could be one of your neighbors who lives in the same modest house for years and drives an old sedan. How could this be? Well, looks can be deceiving and it’s unfortunate that our society associates wealth and success with appearance, but this is an ineffective indicator of a person’s net worth (assets minus liabilities).

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PostHeaderIcon Investment vehicles that yields 15 % return – Part 2

In my last post entitled “Investment vehicles that yields 15 % return – Part 1” I revealed that there are only two vehicles of investments that I know so far that yield a 15 % or more return compounded per annum.

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PostHeaderIcon Investment vehicles that yields 15 % return – Part 1

In my last post, entitled “What is the ideal rate of return for investments?,” I have cited the reasons why an investor should target an investment that gives at least 15 % return per annum.

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PostHeaderIcon What is the ideal rate of return for investments?

In previous posts, we have learned all about the Rule of 72. One lesson that we have learned about the rule is that the higher the higher rate of return for a certain vehicle of investment, the shorter the time it takes for money to double.

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PostHeaderIcon How the banks robs us of our own money

Before you in the banking industry react to the title of this post and before I get tons of negative comments from those who are involved in banking let me first tell you to read the entire post first before making any reaction of any kind.I’ve chosen this title just to attract attention. Banking is of course an honorable business and oh what we do without banks!

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D’ Intelligent investor is one of the first few updated value investing blogs in Asia and probably the only updated value investing blog in the Philippines where you can learn stock market investing through intelligent investing that makes business sense. The stock market investing strategies are very different from what most stock market players advocate. The strategies featured here are mainly value investing principles more specifically inclined with what are perceived to be Warren Buffett’s style of investing. Other value investing strategies by great value investors such as Benjamin Graham, Peter Lynch, John Boggle among others are also featured.