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Deferred vs Immediate Annuity: Understanding the Differences

Deferred vs Immediate Annuity: Understanding the Differences 4

Annuities are insurance products designed to help you invest for retirement and provide supplemental income during your retirement. The most common form of annuity is income annuity where the investor pays the insurance a sum of money in exchange for a series of regular payment for a period of time, up to a lifetime contract. … Read more Deferred vs Immediate Annuity: Understanding the Differences

eFinPLAN Online Financial Planning Software Review

eFinPLAN Online Financial Planning Software Review 6

Kent Irwin, who recently wrote a guest article: Is Suze Orman Right, Can You Be Your Own Financial Planner?, sent me a free license to use his eFinPLAN online financial planning software. In this post, I am going to provide you with my initial experience, and I will follow up with a second post to … Read more eFinPLAN Online Financial Planning Software Review

Efficient Market Hypothesis (EMH)

In The Only Guide To A Winning Investment Strategy You’ll Ever Need, Larry Swedroe dedicated a major portion of the book to the discussion of the Efficient Market Hypothesis (EMH), specifically to explain why investing in passively managed funds is a winning investment strategy. What is Efficient Market Hypothesis? The Efficient Market Hypothesis asserts that … Read more Efficient Market Hypothesis (EMH)

Real Estate Investing: Return On Investment and Leverage

Real Estate Investing: Return On Investment and Leverage 9

One of the commonly touted advantage of real estate investing is the financial leverage that can result in enormous return on investment. A typical example usually compares investing an amount in real estate versus the stock market, where the return on investment for real estate investing far exceeds that of the stock market. For instance: … Read more Real Estate Investing: Return On Investment and Leverage

Is Suze Orman Right, Can You Be Your Own Financial Planner?

If you watch Suze Orman’s TV programs you will hear her comment that people can be their own financial planner. Before I answer this question, I think I need to clarify what type of financial planner I believe Ms. Orman is referring to. There are several types of financial planners, but for simplicity I will … Read more Is Suze Orman Right, Can You Be Your Own Financial Planner?

What is Your Thought on Socially Responsible Investing (SRI)?

Recently, I wrote about lending money on Prosper, which is one of the many peer-to-peer lending networks that are popping up everywhere. The post itself didn’t say anything about socially responsible investing (also known as, SRI, morally responsible investing or ethical investing). However, a lively discussion on this topic came up when Kevin stated his … Read more What is Your Thought on Socially Responsible Investing (SRI)?

Choosing the Right Account for Common Savings Goals

Choosing the Right Account for Common Savings Goals 16

In the previous lesson with my wife, I taught her about various investment vehicles available at our disposal. This time we discussed choosing the right tool for the job; that is, choosing the best investment option available for various savings goals. Photo from morgueFile Common Savings Goals First, we reviewed some of the more common … Read more Choosing the Right Account for Common Savings Goals