Achieving Financial Security by Conquering Personal Debt

Overloading on debt is expensive. In addition, credit can be an important lifeline in the event of a crisis, and if you have used all your credit, you have removed a valuable cushion of security. Debt is a major hindrance to achieving financial security for many Americans. Here are some tips on how to conquer…

 

Volatility Is Extraordinarily Low

Not only has volatility left the building, it appears to have climbed on to a hammock to take a summer’s nap. Yesterday, the Chicago Board Options Exchange’s Volatility Index (the CBOE’s VIX) closed below 10 for the 10th consecutive day. Some perspective will help put the streak, which ended today, and the current levels into…

 

Strategies for Married Couples: How to Coordinate Your Plans

Many employees think of their 401(k) plan allocations in isolation. But if you are married and your spouse works, you are both likely contributing to employee-sponsored plans. And if that is indeed the case, your allocation approaches should be “married” as well. After all, when you retire, you will be living off of both retirement…

 

Assessing Your Life Insurer’s Financial Performance

When evaluating most investments, either initially or periodically, smart investors use financial statements, conduct credible analysis and seek genuine expertise. Cash-value life insurance (e.g., whole life, universal life, etc.) can be a terrific product, providing both financial security and attractive investment returns. However, when it comes to the life insurance industry’s products, finding reliable information,…

 

Most AAII Readers Go It Alone When Making Financial Decisions

The mission of AAII for nearly 40 years has been to help individual investors become better managers of their own assets. Our readers and members tend to be self-directed investors who do their own research and manage their own accounts. AAII Weekly Survey Question However, to get a clearer idea of exactly how self-directed our…

 

How to Check Out a Financial Advisor

Editor’s Note: Portions of this article were excerpted with permission of the publisher, John Wiley & Sons (www.wiley.com), from “Getting Started in Finding a Financial Advisor,” by Chuck Jaffe. Copyright 2010 by Chuck Jaffe. You would think figuring out who to turn to when you need financial help would be as simple as telling yourself,…

 

Screening for Stocks Based on the Latest CAN SLIM Criteria

This week’s AAII Weekly Digest highlights these “must-read” AAII articles:   Focus on the Value of a Business, Not the Stock’s Valuation Valuation ratios do not tell you what you are getting for your money, whereas intrinsic value allows you to assess the stock’s potential. Rupal Bhansali, manager of the Ariel International (AINTX) and the…

 

AAII Readers Reveal Their Greatest Financial Planning Concerns

We are now less than two months from the April 18 federal tax filing deadline. Taxes are traditionally due on April 15, but the IRS pushes off the due date if it falls on a weekend or holiday. This year, April 15 falls on a Saturday. The next business day, Monday, April 17, is a holiday…

 

Guidelines for Choosing a Financial Adviser

This week’s AAII Weekly Digest highlights these “must-read” AAII articles:   The Tax Advantages of Qualified Charitable Distributions From IRAs The U.S. tax code allows someone who is already at least age 70½—not someone who will turn 70½ later this year—to directly transfer up to $100,000 of funds from their traditional individual retirement account (IRA)…