Debt Calculator
Are you burdened by a mountain of debt? Is it a constant struggle for you to be debt-free? Are you stressing over whether you will ever get out of your debt? Use our debt calculator to find out. If you can save a little extra…
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A food, lifestyle and personal finance blog
Investing
What are ETFs?
An ETF or an exchange traded fund is a collection of securities that trades on an exchange. Even though there are some similarities between ETFs and mutual funds, ETFs are a whole different category. ETFs were first introduced in the United States in 1993 and…
Mutual funds
Mutual funds offer a way to invest in a bucket of stocks or bonds or other asset classes. If you are new to investing, mutual funds may be a better option to achieve diversification without investing in multiple individual stocks or bonds. Mutual funds also…
Retirement calculator
Most people are underprepared for retirement. Many underestimate how much investment they would need to be able to live comfortably. How much do you think you’ll need to save to be able to retire and relax? Use this retirement calculator to see how much you…
Efficient Market Hypothesis
Let me begin by saying that this is just a hypothesis. There are people who believe n it and there are those who disagree with it. Then, there are those who believe in some version of it. The premise of the Efficient Market Hypothesis or…
Brokerage accounts
A brokerage account is a taxable account that holds financial assets such as stocks, bonds, ETFs, money market funds, REITs, etc., on behalf of an investor. These assets are owned by the investor and not by the brokerage firm. The brokerage firm only acts as…
How do I start investing
If you have never made investment decisions before, the trickiest question is how do you start investing. Where do you start? What are your investment options? How much should I invest in each investment class? Are there any systematic strategies? I am going to try…
Money Market Accounts
If you have a large sum of money that you don’t wish to risk yet would also like to earn some interest, money market account is the answer. Most online banks offer money market accounts to their customers. They generally pay higher interest rates or…
Business cycle stages
A business cycle is a cycle of fluctuations of the economic activity measured by the gross domestic product, or GDP, of a country. From its trough to peak, it is divided into 5 important stages, as defined by Calverley, and shown below. The first stage…
The case for diversification
Diversification will minimize your portfolio risk and to do so you will have to invest in different types of assets instead of concentrating your bet in a single asset class. The picture below shows the annual performance of different asset classes from 2008 to 2018,…