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Outlook for Canadian Stocks in 2010 How well will the Canadian stock market do in 2010? If the U.S. sneezes again, will Canada catch another cold? If there is any fallout or a double-dip U.S. recession owing to defaults on payment-option ARM mortgages, will it send global markets into another fiscal tailspin as we saw in......
Financial Spread Betting For Beginners A spread can be termed as the difference the asking price (buying cost) and the bid price (selling cost). spread betting is an investment option/vehicle that enables investors to invest in stocks and stocks while at the same time making tradings on the feasible changes in the financial markets. It's......

Posted in Education, Investing, economy | No Comments »

For Sale: Daniel Graystone’s Caprica House – Yours For Only $12 Million

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August 5th, 2010 By: Richard

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If you’re a fan of the reimagined Battlestar Galactica series, then no doubt you’ve watched the new Capria series. Caprica takes place 50 years before the events of Battlestar Galactica and centers around two families, the Adamas and the Graystones. The Adamas are average everyday folks (for the most part). The Graystones are a super rich family who happen to live in a super swanky house. Well, it seems that Daniel Graystone has fallen on hard times and must sell his waterfront estate. And it can be yours for only $11,980,000! Read more... (367 words, 21 images, estimated 1:28 mins reading time)

This is a preview of For Sale: Daniel Graystone’s Caprica House – Yours For Only $12 Million. Read the full post (367 words, 21 images, estimated 1:28 mins reading time)

Sarasota Homes For Sale Shares Horror Of Children Tossed Into Street! Sarasota lifestyle for many families will never be the same once the “F” word enters their lives! [/caption] Foreclosure is ugly. It's especially ugly when children are involved. Not long ago, I still think of the single mom with three kids whose home dropped unnecessarily into foreclosure before I could......
Forex Robots Or Expert Advisors $11 trillion of wealth was wiped out in 2008. Many small investors simply lost all their savings. They have no clue how they are going to rebuild their retirement plans. Everyday brings new plunge in stock prices. Many investors are afraid of investing in stocks. Rightly so, no body knows......

Posted in Investing, Ramblings, Videos | No Comments »

The $8 Million Open House

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August 2nd, 2010 By: Richard

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If you watched yesterday’s Dot Com Pho episode, then you know that one of the things we talked about was an $8 million open house. The house in questions is located at 3709 Sunset Avenue in West Vancouver. Normally, houses that cost $8 million don’t hold open houses. However, the real estate market is getting pretty hammer and Realtors are trying anything to get a house sold. This includes opening the doors to a house that would normally be strictly by appointment only. Read more... (259 words, 21 images, estimated 1:02 mins reading time)

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Melco PBL Makes First Time Profit on Crown Macau Melco PBL Entertainment (Macau) Limited, a developer and owner of casino gaming and entertainment resort facilities, reported unaudited financial results for the first quarter ended March 31, 2008. Net revenue for the first quarter of 2008 was US$482.9 million, up from US$179.8 million in the fourth quarter of 2007(1). The......
The Only Three Reasons to Be in Real Estate There are only three reasons to be in Real Estate, if any one tells you any differently then they don't understand real estate investing. The three reasons to be in real estate are Cash Now, Cash Monthly and Cash Later. Let's take a closer look at each one of them.......

Posted in Dot Com Lifestyle, Investing, Ramblings, Videos | No Comments »

Saving For Retirement Til It Hurts!

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July 22nd, 2010 By: Richard

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Ah, retirement. Could there be a bigger financial goal out there than this?

We all talk about it, think about it, read about it and plan for it.

But how many of us do what it really takes to get ourselves into position to retire how we want, when we want?

How many of us save like we really should?

Let’s take a look at what it means to save for retirement til it hurts.

Simplify Your Lifestyle

This is probably easier said than done – especially in our day and age. Read more... (680 words, 11 images, estimated 2:43 mins reading time)

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Goal Setting Although I have very low costs and very few bills to pay, I have still failed to set goals for myself. Maybe in a few months I'll have a stronger grasp on exactly how much I am able to save each month, but even my pen and paper calculations show......
Debt Relief Help Your spending habits will ultimately land you in two completely different realities: 1) Increased wealth and abundance 2) Increased debt and struggle Here are 6 common spending habits that often lead to increased debt and financial struggle and are best avoided like the plague. 1. Spending more than you earn.......

Posted in Investing, Retirement, Saving | No Comments »

Online Retirement Calculators: More Harm Than Help?

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July 20th, 2010 By: Richard

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People often ask me to point them to a decent online retirement planning calculator. I never do.

You see, I don’t trust such calculators.

It’s not that their math is wrong. (At least, not usually.) The problem is that their calculations are often based on shoddy assumptions and unknowable variables.

You Know What They Say about Assuming…

For example, what rate of return does the calculator assume for your portfolio? Is it reasonable? Or, perhaps, was the calculator programmed to assume that future returns will equal past returns (thereby ignoring the possibility that the U.S. economy won’t have the same explosive growth over the next century that it did over the last)? Read more... (559 words, 11 images, estimated 2:14 mins reading time)

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When Will You Be Able to Retire? This is a guest post from Robert Brokamp of The Motley Fool. Robert is a Certified Financial Planner and the adviser for The Motley Fool’s Rule Your Retirement service. He contributes one new article to Get Rich Slowly every two weeks. Permit me to introduce a new term into the......
Introduction to the IRA The IRA is an Individual Retirement Account that was originally created by the United States Congress as a means of providing retirement savings with tax advantages to workers that were not already being covered under an employer-sponsored retirement plan. Unlike the standard 401(k) plan, the purpose of an IRA is......

Posted in Investing, Research, Retirement | No Comments »

Roth IRA Withdrawal Rules

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July 16th, 2010 By: Richard

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The Roth IRA is a wonderful investment option that many people take advantage of every year mainly because of it’s tax free growth and because it allows you to diversify your tax situation at retirement if you also invest in some pre-tax investment types like a 401k or IRA.

While the ideal situation is to max out your contributions to your Roth IRA every year, and then not take any money out until retirement, sometimes you might find yourself in a situation where you need money now – before the usual distribution age of 59 1/2. Luckily the Roth IRA is one of the more flexible retirement account types and withdrawing your contributions (or the money you put in) can be done tax and penalty free at any time. Read more... (936 words, 11 images, estimated 3:45 mins reading time)

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Retirement Plan Hardship Withdrawals One of the worst financial decisions a baby boomer can make is to raid a tax-deferred retirement account such as an IRA or 401(k) to pay for non-retirement expenses. I like to call these early withdrawals "retirement plan leaks" although sometimes they are more like floods! 401(k) Plan Hardship Withdrawals......
Breakwater Cove Marina Phone: 831.373.7857 Radio Frequency: The marina monitors both Channels 16 and 5. Average water depth? It is usually around 10 feet, but this can change with conditions. Please call ahead for exact information. Is there a pumpout station? Yes, the marina offers complimentary bilge and oil pumpouts. Is there......

Posted in Investing, Retirement, Roth IRA | No Comments »

Important Inheritance Tips For Your 401(k)

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July 12th, 2010 By: Richard

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Most people are busy learning about a 401(k), taking steps to set it up and choose the right investments. But how often do you think about what will happen to your retirement savings if something were to happen to you? To be honest, such thinking has been off my radar screen, but after getting a nice reminder in the Dallas Morning Newspaper earlier this month, I know I need to check to make sure things are in proper order. As an aside, so much of good personal financial management is staying organized, simplifying and making sure you’re on top of matters. Read more... (672 words, 11 images, estimated 2:41 mins reading time)

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SEP IRA: Self-Employed Retirement Plans Are you self-employed and looking to retire someday? I am. Since this website brings in a little income, it qualifies as a small business. Additionally, I contract for some other companies, which also counts as small business income. The life of a contractor is often one without a 401k. Despite......
Weakon 435: Short Selling Normally a highly advanced topic which would require some prerequisite courses, recent events and a reader request have pushed Short Selling to the front of the College of Weakonomics agenda. Short selling is the exact opposite of buying stock. You purchase stock because you expect the price to go up.......

Posted in 401k, Investing, Retirement | No Comments »

3 Reasons Not To Save Into A Roth IRA For Retirement

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July 2nd, 2010 By: Richard

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Everyone should be saving into a Roth IRA for retirement!

Have you heard those words before?

I’ve seen them strewn about the web here ‘n there on various blogs or in comments on other personal finance sites.

Is that true? – Should everyone be saving into a Roth IRA?

Not exactly.

Although Roth IRA’s have become a very popular retirement account over the last 10 years, and have contributed greatly to the whole “Tax Diversification” conversation, there are still some scenarios where they don’t make sense. Read more... (880 words, 11 images, estimated 3:31 mins reading time)

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401(k) vs IRA Deathmatch I frequently field questions from people asking me to compare the use of a 401(k) account to an IRA, and I'll discuss this a bit today. 401(k) No income limits to make deposits Company may offer matching up to some level (Usually) limited choice of investments Fees may be excessive......
Planning for Your Retirement The Smart Way As millions of aging baby boomers start contemplating how they are going to survive when they’re no longer working, retirement planning has hit an all time high. Whether you’re just starting out in the workforce, or you’re staring 62 in the face and wondering where the money is going to......

Posted in Investing, Retirement, Roth IRA | No Comments »

What You Need To Know About Mutual Fund Sales Fees And Expenses

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June 29th, 2010 By: Richard

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If you’ve read about mutual fund investing, or perhaps discussed it with someone knowledgeable on the subject, the topic of fees and expenses most likely came up in the conversation. For someone who isn’t a financial advisor or broker, mutual fund fees and expenses can be quite a confusing subject. How do you know when you’re paying them and how can you (or should you) avoid them?

Obviously, the more you can minimize fees and expenses when investing in mutual funds, the more you can maximize your returns. That seems like a good thing, right? So, let’s explore what these fees and expense are and how they can sneak up on you if you don’t have some knowledge of the subject. Read more... (1089 words, 11 images, estimated 4:21 mins reading time)

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Money Market Funds Explained Money market funds are mutual funds that feature safety, high liquidity and current income or interest in the form of dividends. They are the safest of mutual funds, but have not been insured in the past by the government. Millions of folks have parked trillions of dollars in these funds......
Mutual Funds 101 One way that investors can pool their money is mutual funds, which allows them to invest together in a variety of different stocks. Each of the participating investors is charged a percentage fee based on what they invest so that the professional fund manager can receive payment for his work......

Posted in Investing, Mutual Funds, Retirement | No Comments »

How Do I Choose A Mutual Fund?

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June 8th, 2010 By: Richard

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How do you choose a mutual fund? But first, is it time for you to start investing? You may be asking the question – should invest while you’re still in debt? Or, perhaps – what is enough emergency savings before investing? These can be challenging questions to answer, but in general, you should invest as early as possible in life to maximize growth, especially if you can get a 401(k) match by your employer. Read more... (1412 words, 11 images, estimated 5:39 mins reading time)

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