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Tag Archives: financial education

How to evaluate if your bank is safe, and what to do if it’s not

Bank-Run-Safe

The circumstances of these crises are always different. But one of the common elements among all of them was a loss of confidence in banks. People would realize that their bank wasn’t actually holding on to their money after all; ...

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Be ready for that unexpected early retirement: 8 tips

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That retirement you’re looking forward to in five years: Be prepared for it sooner than you expect. Numerous surveys have shown that people think that they are going to retire later than it happens. The two big reasons: health issues ...

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Probability Versus Possibility in Investing

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It’s tempting, when investing, to think about possibilities. However, almost anything – with the exception of certain violations of mathematical or physical laws – is possible. The fact that something is possible, doesn’t mean it’s probable.  Even if you believe ...

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Five things never to buy from a bank

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Banks and building societies offer dozens of different products – some better than others. Here we name five to avoid. ‘Tied Isas’ Banks used to sell investment Isas to all and sundry. But following a crackdown on hidden fees and ...

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10 George Orwell Quotes that Predicted Life in 2014 America

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George Orwell ranks among the most profound social critics of the modern era. Some of his quotations, more than a half a century old, show the depth of understanding an enlightened mind can have about the future. 3) “War against ...

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The modern investor’s manifesto

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“The stock market is filled with people who know the price of everything, but the value of nothing.” – Philip Fisher. A personal perspective on some of the challenges facing today’s investor: 1. The Communist experiment of the planned economy ...

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Electronic Cash: The End of Privacy

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Imagine cash never existed. There are only electronic records of all our financial transactions. Then imagine the reaction from the government if cash were to be introduced. They’d be horrified. They’d fear financial collapse. They’d consider cash a weapon of ...

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The Solution to the Declining Middle Class

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The solution to the erosion of the middle class lifestyle is to destroy debt and other fixed costs and eliminate self-sabotaging discretionary consumption. In general, the costs of untradable services (healthcare, higher education, government) and the rot of financialization have ...

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Best Financial Advice to Grandkids

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The best thing you can do to ensure the financial security of your grandkids isn’t to give them money or wealth, though that would be helpful to them. Sound advice based on the latest research and your experience is what ...

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85% of Pension Funds to Fail in Three Decades

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Bridgewater Associates did an analysis of pension funds recently and concluded 85% of them will fail if returns average 4%. Bridgewater notes that public pensions have just $3 trillion in assets to invest to cover future retirement payments of $10 ...

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