Articles on Investment

The "Pa-Doink" Principle of Personal Savings

"Pa-doink" is the sound you hear when something small and heavy hits water. Think about a child throwing a coin into the fountain at a shopping mall: a toss and a pa-doink later, t

Will house prices keep dropping?

I don't think much of the "buy low, sell high" model for house purchases. I think a house should be purchased as a place to live, in which case the main questions are whether you

So Your Bank Failed, Now What?

Last week I wrote that ailing banks usually give the highest interest rates and mentioned the troubles of IndyMac. Last Friday, the FDIC has officially named IndyMac a failed bank

Book Review: Full of Bull - Do What Wall Street Does, Not What it Says by Stephen McClellan

Stephen T. McClellan is a seasoned securities analyst who has more than 32 years experience with several different well known investment firms. In his book Full of Bull- Do What W

Buyer Beware: The Weakest Banks Often Offer the Highest Interest Rates

Today the troubles of IndyMac bank was splashed in the headlines. Its stock has fallen to nearly $0 and depositors are making a run at closing their accounts. IndyMac has been con

Investment Gains Taxes Increase - The Worst Tax Policy Ever?

Yesterday Paul Michael wrote an article comparing the income tax policies of McCain and Obama and suggested that he would vote for Obama because Obama's tax policy would benefit ev

Should You Choose a Roth 401k or a Regular 401k?

Yesterday I was talking to a friend and he mentioned that his company just started offering the option of investing in Roth 401ks. He was wondering if he should stick with his regu

The ethics of hoarding

In the Philippines, they're threatening life sentences for people hoarding rice.   In the United States, grocers need to put limits on rice purchases just to keep their shelves

To Tax or Not To Tax: That Is The Money Market Question

As America’s love affair with self-investing continues to grow, so does our fascination with tax-free accounts. Don’t believe me? See for yourself.

A Simple Guide to Series I Savings Bonds (I-Bonds)

After the recent interest rate cuts by the Federal Reserve many of my bank and money market interest rates plummeted.  Now the best yield I have is on my Series I Savings Bonds iss

Laddering for higher, more stable returns

When investing in things that pay an interest rate--things like CDs and bonds--it's tempting to try to get the maximum interest rate, and then to try to lock up that rate for a

Savers suffering as rates fall--what to do

Interest rates for ordinary savers held up pretty well after the first Fed rate cut in July last year.  There was a simple reason--banks needed the money.  With the cr

Road To Becoming A Rich Idiot

Ever met a rich idiot? I’ve known at least two. Not counting my telephone conversation with self-proclaimed Rich Idiot and multimillionaire Robert Shemin (author of “How come TH

Book Review: Rich by Thirty

I read this book because I was intrigued by the 25 year-old author. By the time she was eight years old, she was earning money by operating a lemonade stand in the summer and shove

How To Read an Annual Report

If you're like most investors, those bulky annual reports that arrive on your doorstep are a waste of time and resources. If you want to get the most out of your annual reports,

Win $100 for opening a new savings account with SmartyPig

SmartyPig is giving one lucky Wise Bread reader a $100 gift card for starting a savings account with them. To enter the contest, simply leave a comment in our SmartyPig thread in t

Get free retirement planning advice from top 100 Amazon author and win a free book!

Author David B. Loeper will be answering your retirement planning questions in our forum. Every person who asks David a question will also be entered into a weekly drawing for a c

Non-financial investments

Talk about investments and most people think stocks, bonds, and mutual funds, plus maybe real estate and commodities like precious metals. Let's call those "financial inve

Tips for Increasing Your Financial Literacy

A recent CNN article titled "Americans are 'financially illiterate'"

Why are you paying for your boss's 401(k)?

Do you know how to find the hidden fees in your 401(k) plan? If not, your ignorance might be subsidizing your CEO's 401(k).