What Presidential Primaries Teach Us About High-Dividend Stocks

Speakers Chamber

The New Hampshire primary results are in. Some candidates have dropped out, and supporters are scrambling to find a winner.

The same thing is true with investors. As of Feb. 11th, the Standard and Poor’s index of 500 stocks is down 10.51% for the year. What about bonds? Well, here are some current yields for various types of bonds:

10-year Treasury Bonds 1.64%

10-year AA Corporate Bond 2.77%

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Stocks are down, yields are low. Like the current political environment, people are running toward an investment that might perform better in these financial conditions: high-dividend stocks.

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How To End Poor Decision Making During Market Volatility

Wall Street Two Signs

No one knows enough to be a pessimist.

I love this line. It’s from Wayne Dyer, the speaker and author who recently passed away. Here’s another one I like:

If you change the way you look at things, the things you look at change.

These two quotes apply to investing decisions in today’s volatile markets. With some calm thinking and clarity about where you, you can avoid making poor decisions that may hurt you down the road.

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4 Ways That Reddit Can Help You Avoid Personal Financial Problems

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This article really made me cringe. “68% of Americans Destroy Their Credit Before Age 30”. Specifically, 68% of Americans make “at least one major financial mistake” about age 30, which results in negative information on their credit rating. If you have financial information and a plan, however, you can avoid these problems- at any age.

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The credit mistake may be overspending on credit cards or missing a payment on a loan. Some more serious issues are defaulting on a loan or having an account sent to collections.

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What Nearly Getting Crushed By A Light Pole Teaches Us About Investing

Classic Cars

I don’t know if I can call what happened to me last Friday morning a “near death experience”, but it was attention getting..

Every morning, I go by a Panera about 6 blocks from my house to get coffee. While I’m in the car, I start to organize my thoughts for the day: what am I trying to accomplish, what problems do I need to solve.

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So, I’m sitting at a stoplight at a major intersection in St. Louis. I’m in the right lane, and next to me is a right-hand turn lane. I hear a crash, look to my right, and see the right side of my car showered with glass.

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What Oil Price Swings Can Teach Us About Investment Sectors

Wall Street Sign

Investors have seen almost historic price swings in the markets. As of January 13, 2016, the Standard and Poor’s (S&P) 500 index is down over 7.5% for the year.

One big impact on the market is the decline in the price of oil. Oil prices have declined by more than 60 percent since June of 2014. As of mid-January of ’16, the $30 per barrel price of oil is the lowest price since 2004.

The change in oil prices- and the impact of stocks- is a great way to explain the concept of investment sectors.

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What A Zombie Apocalypse Can Teach Us About Robo Investment Advice

Wall Street Two Signs

The demands of investors- particularly millennial investors- are dramatically changing how people find and use investment advice. One massive trend is the shift toward automated investment services, or using “robo advisors”. Is this type of service ultimately better for investors?

Now, the zombie reference is an exaggeration. But it’s used to make the point that robo advisors may mean less human interaction than traditional investment advising.

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How An Elevator Speech Can Explain Successful Investing

Microphone

Don’t invest in things that you don’t understand.

That’s a line from Warren Buffett, the billionaire investor and CEO of Berkshire Hathaway. The line gained popularity before and shortly after the tech bubble burst in the early 2000s.

Buffett didn’t jump on the tech stock bandwagon during the 1990s for a few reasons. First, many of these start-ups (like most start-ups) didn’t generate much in sales and no earnings. Second, even if the tech company started making money, Buffett couldn’t explain for himself how the business plan could succeed over the long-term.

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Can’t Keep Up? How To Find Cost Basis For Your Investments

 

Wall Street Two Signs

There’s a critical issue investors face at year-end. If you sold a stock, mutual fund or bond investment, what is your cost basis? You need to know the cost basis to calculate the gain or loss on your investment. The calculation can be confusing- and simply finding cost basis information can be a hassle. Use these tips to make the process easier for you.

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What “It’s A Wonderful Life” Can Teach Us About A Bond Fund Closing

Christmas Lights

I’m writing this during the holiday season, so I thought I’d use Frank Capra’s brilliant film, It’s A Wonderful Life, to explain a concept.

If you’re not familiar with the film, IMDB (a great site for movie fans) provides a plot summary. George Bailey manages the Building and Loan started by his father. On Christmas Eve, Uncle Billy loses $8,000 he intended to deposit at the bank. Evil Mr. Potter finds the money and hides it.

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Warning: Medicare and ACA Costs Will Impact Your Personal Finances

Stethoscope

It doesn’t matter if you’re young, old- or some age in between: health care costs are increasing. What matters is that you understand why costs are increasing, and what the financial impact is to you. Once you have that information, you need to fit that cost increase into you personal budget.

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