ATMs are the black hole of finance. |
Before you can get into things like investing and saving for the future, you've got to figure out how you are spending it. |
By now, most stocks have rebounded. It's time to get rid of those shares you lost on -- you think they could rebound, but some things are just not going to bounce back. |
Companies should offer value- and growth-style investing so the employees can choose. |
If someone walked in today with $100,000, I would say 'Go for it.' Other times I would say the market's at its peak so let's put this in over some months. |
If there's a constant feeling of martyrdom, it's not going to work. |
If you save money, put it in your piggy bank or put it in your savings account, but put it somewhere. I don't care where you put it. But make it tangible. |
If you're off by $100 a month on what you really spend, that oversight then is $1,200 every year. Think about this. If you can invest $100 a month over 20 years, and assuming an after-tax return of 8 percent, it could amount to as much as $60,000. |
It is cheaper to do it online. |
It's a lifestyle decision, look at the bottom line. |
It's psychology. It makes people feel better. |
Maybe 10 percent of plans are great. The problem is it gets expensive. Every time a plan adds something, the plan has to pay for it. |
Nobody wants to be a scrooge, but at the same time if we are not, we are going to be far worse off. |
Not that you should, but you should be able to make daily exchanges if you want. |
Often times we want the easy way out. |