incandescent bulb

And Let There Be Light!

Or I could’ve simply named the post ‘Saving money by selecting the right light bulb’! Once upon a time, selecting a light bulb was as simple choosing a 60 watt or a 100 watt bulb, depending upon how bright you want the bulb to be. There was one popular size, you screw in the bulb […]

December 29, 2011 50
top-picks-2012

10 Stocks For 2012 (& Beyond)

If I were to pick stocks just for 2012, I would be speculating. I prefer stocks for the long term. My top picks for the coming year is not just for 2012, I would like to hold on to most of it even if the returns are less than spectacular. These companies have weathered disappointing […]

December 26, 2011 48
retirement-income-calc

Are You Saving Enough For Your Retirement?

You do the usual, contribute to your 401K, you max out your IRA, you save and invest every month what you think is a pretty decent amount. But, at the present rate, if you were to retire at 65, can you tell what your income would be? Most don’t have a clue! To be fair, […]

December 18, 2011 28
EEM Lipper Rating

If You Own Mutual Funds Or ETFs, Don’t Ignore This Metric

This is an ad from T.Rowe Price promoting their retirement funds. But ads like these are all too common in the mutual fund industry. Open any business or investing magazine and you’ll find all sorts of metrics based around Lipper. Lipper ranks, Lipper leaders, Lipper indexes, Lipper Fund Awards… But then what do they mean […]

December 11, 2011 25
Switch To A Credit Union

If you are happy with your Big Bank, should you still switch to a Credit Union?

On one end we have the “99%” occupying not just Wall Street but public parks, bridges and roads and on the other, we have the 1% occupying everything else and who have our lawmakers literally at their beck and call. They even have lobbyists masquerading as presidential candidates and of course, all the money in […]

December 1, 2011 35
DCF 1.0

A curious thing happened to my credit score when I took on some debt

For quite sometime, my credit score had been tottering at around 785, vacillating between a high of 803 to a low of 777. Here’s the thing. I had do debt. No student loans, no auto loans, no credit card debt. I have no explanation for the wild swings. But then the inevitable happened. Decided to […]

November 22, 2011 37
mortgage-checklist

Don’t overlook these when finalizing a mortgage

A mortgage is probably the biggest loan you’ll be taking in your lifetime. Every little misstep will have repurcussions on your finances. Here’s a simple checklist to help you make an informed decision. Know your monthly payment A mortgage loan is a numbers game. There are various fees, taxes and, confusing terms masked to sound […]

November 14, 2011 24
IBonds

Don’t park your cash in CDs until you’ve at least considered this alternative!

Maybe the current state of the market has you spooked or maybe having a percentage of your investment cash in a risk-free account is a part of a well thought out asset allocation plan. Whatever the case maybe, exhaust one other option before considering CDs. I’m not talking about taking on more risk – the […]

November 10, 2011 34
moneycone - Google Analytics

Confessions of a Lazy Blogger

If you are a blogger, you’ll find this post curiously entertaining; if you are a reader, you’ll get a behind the scene sneak peak at what keeps a blogger awake at night! Going through my site statistics I noticed that the traffic for this blog has been gradually increasing and last month alone, the traffic […]

November 6, 2011 45
OLYMPUS DIGITAL CAMERA

HOWTO Do A 401K Rollover Correctly

On an average, a person will switch about 9 jobs during his working career. If he was lucky and smart, he probably enrolled in 401K plans when available. Now, if he didn’t bother consolidating his 401Ks, that’ll be 9 different accounts to remember at the time of retirement! When you decide to leave a company, […]

October 24, 2011 33
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