In a survey by the the American Association of Individual Investors (AAII), last year, the average level of optimism recorded in the stock market was the seventh lowest it has ever been. The AAII survey

I just finished reading this book. One passage caught my attention: “If the misery of our poor be caused not by the laws of nature but by our institutions, great is our sin.” I realize

I was told that a man went into the bank and bought a 1 year Certificate of Deposit (CD) for $1,000.00 and would get $600 dollars at the end of the 1 year contract. It

The new model will used to identify borrowers who appear more creditworthy than they really are. While the new versions of the FICO score are coming, it doesn’t necessarily mean bowers will have a harder

Honoring Martin Luther King, Jr. the Civil Rights Movement Leader. The Exchanges closed for Martin Luther King Jr.’s Holiday Day. Friday the U.S. stocks ended with gains, building on Thursday’s record breaking day. China reported stronger industrial-production

I know it may seem early to be talking about Christmas but this is the best time to begin planning for holiday’s gift giving season of 2020. I recommend an investment gift in the form

BEGINNERS’ GUIDE TO ASSET ALLOCATION AND DIVERSIFICATION If you are new to investing or an veteran, you already know some of the most fundamental principles of investing. You did it through ordinary, real-life experiences. Example,

Anyone with an investment portfolio should get a Quarterly, Semi-Annual and Annual Investment Performance Reports. It is imperative that you take the responsibility to read them, understand them and be prepared to make the necessary

What is a Mutual Fund (MF)? A Mutual Fund is an index market fund where specific groups of individual securities are pooled together into one fund. If you want exposure to the technology industry, you

What are Bonds? Bonds are Fixed-Income Securities. Actually, a bond is basically a loan to a legal entity (Bond Issuer Gov’t or Corporation). The reason they  are called Fixed Income Securities is they have: A