market timing

One of the great gifts associated with the 2008-2009 events was an opportunity to get some free credits in the school of life. School tuition can be expensive so I am always thankful when life decides to offer me some valuable lesson for free. Personally, I loved the fact that I got to experience the [...]

Most financial advisors will recommend against any attempts to time the market. It can’t be done, they will tell you, and I agree. Timing the market or specifically identifying market tops or bottoms as opportunities to buy or sell is usually a futile effort. What financial advisors fail to tell you, however, is that market [...]

Converting to a Roth IRA is not new, so what with all the buzz about about this Roth IRA Conversion event in 2010? What makes it such a big deal is that up until then, most people couldn’t convert to a Roth IRA because their income was too high. For example, in 2009 if an [...]

Welcome to the 76th edition of Money Hacks Carnival. In this edition, I’ll be presenting some interesting and fun facts about money along with the submissions. For editor’s picks, please look for entries noted with (EP).

Money Fact #1: $1 bills wear out in about 17 months. Bills of larger denomination last longer because they are [...]

If you’re an investor in index funds, like I am, then you probably believe that it’s impossible to beat the market in the long run. You’ve had everyone from bloggers to Warren Buffett tell you the best thing for you is to invest in mutual funds indexed to the market. We do this because we [...]

There are two rules often cited by investors that sound similar but that in fact make very different claims. In this article, I’ll describe the differences between the two rules — the Multiply-by-25 Rule and the 4-Percent Rule.
The Multiply-by-25 Rule
The purpose of The Multiply-by-25 Rule is to tell an investor how much he needs to [...]

This week Moolanomy was named 100 Best Financial Planning Blogs by Online MBA Guide — thank you. This is an auspicious timing since I’ve decided to start Moolanomy’s Financial Success Plan as a way to organize existing and new content on this site to help readers find the best information for their journey toward financial [...]

Last week, Moolanomy’s Extra Income Guide was featured as part of the 25 most helpful articles written by PF bloggers, and it was also part of the Free Money Finance March Madness, Round 1, Posts 1-4 competition.  Thank you Bob and FMF.  It’s an honor to be included in the list and be part of [...]

First, let me start off by saying that there are several advantages of investing in mutual funds and I do use mutual funds in my portfolios.  However, there are several disadvantages of investing in mutual funds that may not be obvious to new investors.  In this article, I’ll review some of the problems with mutual [...]

This is the 4th issue of the Ask The Expert column by Larry Swedroe. You can see Larry’s full biography and important disclaimer below. If you are interested in having your question answered by Larry, please send me an email via the contact page.
Now, let’s get to the questions and answers (please note that the [...]