How Many Stocks Should I Own?

What is the right number of stocks to own in order to be diversified? Is it 5, 10 or 50? There are many theories on this subject and each investor should take into consideration their individual situation. This article will explore some of the main points that one should consider when deciding how many stocks […]

Avoid Banking Fees by Understanding Reg D

Regulation D is a Federal Reserve Board regulation that defines what a transactional and non-transactional account is. In addition, Reg D places withdrawal limits on non-transactional accounts. The savings and money market accounts that you have at your bank are non-transactional accounts, while your checking account is considered a transactional account. Reg D places a […]

Six Ways to Lower Insurance Costs

Insurance is for many of us a necessary expense. Most states mandate minimum amounts of coverage, and many creditors require you to buy insurance to offset any loss should something happen to your assets. As we all know one of the biggest expenses behind your car payment and home loans is often your insurance. But […]

Seven Biggest Investing Mistakes

Are you guilty of making investing mistakes?  Most of us are, so don’t feel bad.  The best thing you can do is read up on common investment mistakes so that you can try to avoid them in the future.  After all, sometimes the best investment philosophy is just the one with the least amount of […]

Who Needs Gap Insurance?

GAP (Guaranteed Auto Protection) Insurance is an added insurance for your vehicle. While your regular auto insurance may pay for costs to get your car repaired or replaced in the event it is damaged, your regular auto insurance will not protect you if you are upside down on your car loan (you owe more on […]

Who Really Owns Your Mortgage and Why?

There is a good chance that the mortgage on your home is not actually owned by the bank that you make your monthly payments to. Over the last several years you have probably heard the term mortgage-backed security (MBS) in the news.  Basically, a MBS is where lenders sell peoples’ mortgages to investment banks and […]

Finding the Right Withdrawal Rate

Like all investors, persons who are living off of their retirement savings need a blueprint to construct a successful portfolio. But the blueprint that works for the classic investor who is saving for retirement won’t work for those who are living off of their retirement savings. That’s because the goals of these two types of […]