Baby Checklist for Registry

Baby Checklist for Registry

Preparing for the arrival of a baby is exciting. However, it is also a big financial event. If it’s your first time, it can be a bit overwhelming. What are some of the must-haves. What are some of the things that are recommended but not 

Efficient Market Hypothesis

Efficient Market Hypothesis

Let me begin by saying that this is just a hypothesis. There are people who believe in 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 

What is a Brokerage account

What is a Brokerage account

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 to start investing

How to start investing

If you have never made investment decisions before, the trickiest question is how to 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 to 

What is my net worth?

What is my net worth?

Net worth is a measure of your financial well-being. It will help you track how close you are to your financial goals. In isolation, it gives you some sense of how wealthy you are. But if you track it quarterly or even annually, it should 

Money Market Accounts

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 

Buying a home

Buying a home

Whether you are buying your first home or are a seasoned buyer of real estate investments, the process can be both exciting and overwhelming at the same time. Following this simple checklist will help you get things in order and make the process enjoyable. I 

Improving your credit score

Improving your credit score

Credit score is a very important number that determines your creditworthiness to lenders if you are seeking a loan or your landlord if you are seeking to rent a real estate property. There are several ways to calculate a credit score. FICO score is one 

Mortgage Calculator

Mortgage Calculator

This free mortgage calculator will help you estimate your monthly mortgage payments. The components of a mortgage include your principal, interest, property taxes, property insurance, and PMI. Change the inputs to the calculator to estimate how it impacts the different components of your mortgage. Here’s 

What is a business cycle

What is a business cycle

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