Despite what many gold bugs want you to believe, gold is not the best investment out there. There is a lot of hype about the precious metal, and it is the favorite topic of the talking heads on television. Is now the time to invest in gold? The recession has had a lot of people spooked about stock market prices falling, and there has been a subsequent rush into gold driving up the prices. People love to invest in a tangible real asset when times are tough. Now that gold is at an incredibly high price and the stock market is once again … [Read more...] about Three Reasons Why You Should Not Invest In Gold Now
GiftCardRescue.com is an internet website for members to purchase, sell, or swap their untouched and excess gift cards. If a person are not using the gift cards, they could just end up being forfeited or you can find yourself using a gift card or going to a restaurant that you do not appreciate. So, why not sell these undesirable gift cards for cash? Or, you can swap them for the merchants you actually would like to shop in. It is a profitable option for both the owner and the shopper. Now that Christmas is over, you most likely have a bunch … [Read more...] about Sell Your Excess Gift Cards On GiftCardRescue
The initial public offering market is finally starting to heat up again in the United States. This week three big named companies went public along with several others, and much more are set to begin offering shares within the next few months. And, of course, the talk of an eventual Facebook IPO and Twitter IPO has the internet and technology sectors of the stock market all a buzz. But, that doesn’t mean that it will be simple for the average individual investor to get in on the action, but it isn’t impossible. Two Ways To Get In On The … [Read more...] about Top Two Ways to Invest in the Hottest IPOs on the Market
Most people do not think that they have enough money to save for retirement. I can remember asking my mother as a little boy if she had any investments, stocks, bonds, and the like. She told me that we barely pay the bills let alone invest for retirement. I’m here to tell you that everyone can find easy ways to save money from funds leftover in their budget to begin investing. The real problem is if you want to make room in your budget. Do you want to do without 200 cable channels? Do you want to skip the trip to the coffee bar every morning … [Read more...] about Top 4 Easy Ways to Save Money Every Month
Money market funds are a lot like money market accounts and provide investors a little more return for their investment rather than just parking their hard earned money in a standard bank savings account. Money market funds are important pieces of the short-term credit markets and can be an excellent addition to an investor's portfolio. Money market funds provide investors an great alternative to simply holding cash. They are great short term cash investments. Money market funds are deposit accounts that earn interest by investing in … [Read more...] about Benefits And Drawbacks Of Money Market Funds
I was recently inspired to create my own Bucket List. I realized that there was no turning back the clock to recapture the years that are had lost. We all have issues with regret and a lack of reason for being in our lives. Many of us feel like we are just floundering along. I came across the same concept in Laura Vanderkam’s book, "168 hours – You Have More Time Than You Think". In her book, Vanderkam talks about Caroline Ceniza-Levine a career counselor to youth specializing in helping them realize what they want to be … [Read more...] about My One Hundred Goals To Do In My Lifetime Before I Die
Dollar cost averaging is a well established, tested, and extremely reliable approach to accumulate wealth. An investor who wants to put a lump sum of money into the stock market or mutual funds is wise to invest the money over a period of time in equal installments in order to avoid the devastating effect of a drop in the stock or mutual fund's share price immediately after investing a single, lump-sum investment. What Is Dollar Cost Averaging? Dollar cost average, or DCA, involves buying the same dollar amount of an investment at … [Read more...] about What Is Dollar Cost Averaging? – Advantages and Drawbacks
Money is tight now as everyone knows it. And, with rising health care costs, it is sometimes complicated to find ways to cut back especially on necessities such as healthcare costs. But, here are five tips for spending less and learning how to save money on medical costs and expenses.
How To Save Money On Medical Costs
1. Go Generic With Medication
Ask your health care provider if your medications are essential. Are there other alternatives to try out before prescriptions?
If it is important to have the drug, ask if there exists a … [Read more...] about
American Depositary Receipts (ADRs) are stock in foreign companies that are traded in the U.S., just as you would buy and sell stock in America, and are valued in U.S. currency, thereby also paying money in U.S. dollars. American Depositary Receipts represent the acquisition of American Depository Shares, otherwise known as ADSs. Both ADR and ADS are often used interchangeably. What Are American Depositary Receipts? An ADS shows that you own a piece of equity in a company outside the U.S. Therefore, the certificate supplies individuals in … [Read more...] about What Are American Depositary Receipts?
Here is the next installment in our the Reader’s Questions Series which highlight questions emailed to me by you, the readers of Money Q&A. Be sure to find out at the end of this article how you can receive a free copy of Dave Ramsey’s book, The Total Money Makeover if your money question is chosen to be featured on an upcoming week’s blog post. A reader recently wrote in with the following question about his student loans and forgiveness. Is there a way to have my federal Stafford Loan forgiven? There … [Read more...] about What Are Good Federal Stafford Student Loan Forgiveness Programs?