Financial leverage is like a land mine. You might be unaware of it until it blows up. Buying stocks on margin is an obvious form of leverage (the mortgage on your home is another) and all of us understand how risky it is to buy on margin.
Simply put, leverage magnifies […]
A new market opportunity in the bequeathed market has emerged as Baby Boomers seek to establish a strong legacy in the eyes of their loved ones. Currently it is estimated that by the year 2052, Baby Boomers will inherit $40.6 trillion from their parents. Although the exact monetary size of the inherited amounts may be […]
Getting to college, saving the money and earning it as you go is only a part of the story. Most students will borrow at least some of the cash they need.
Once the classes have finished and it’s time to get out into the real world, it’s also time to decide how you are going to […]
Income is hard to come by these days. Treasuries are yielding less than 5%. The bond market is in disarray, credit spreads are widening (meaning the price of existing bonds is declining) and there are serious liquidity issues (which also impact value).
Have you considered Real Estate mutual funds? Many have […]
No wonder so many of us run from discussions on financial matters, ignore our bills, and spend too much money, as if in rebellion. It’s scary out there.
Last year, the Employee Benefits Research Institute released the results of a study concluding that the majority of Americans are unprepared for retirement, are not saving enough for […]
Money and fun aren’t necessarily words that people automatically put together. But for people in the cities of Houston, Dallas and Austin, and throughout Texas, there are more than enough ways of dealing with the stuff to make the world go around a little easier.
Central to the idea of having enough money to live well, […]
Many people spend their time hoping to get rich quickly, like winning the lottery, or getting an unexpected inheritance from a distant relative. The reality for most is that, like the tortoise in the old story we heard as children, slow and steady wins the race !
The tortoise and the hare both started at the […]
Businesses can gain immensely from charitable trusts, though these trusts are nonprofit organizations that are set up for the benefit of some other party. That is the reason why most businesses are setting up charitable trusts for themselves. It is not too difficult to set up a charitable trust either. A minimum amount of $100,000 […]
The stock market is gyrating like a yoyo, and with each down stroke it’s heading lower. What’s an investor to do? Let’s start by dissecting the cause-it’s not as simple as a slowdown in housing or defaults in the subprime market, and these are unrelated (for the most part) events.
The housing market was […]
Financial planning, something we all know we need to do, but always put off to the future. Financial planning is hard simply because it requires financial discipline, which is difficult to have in this consumer society. However, financial planning is very important because you want to retire one day, be financially stable in the event […]
