I recently dispelled the myth that the stock market always goes up, and in fact showed that adjusted for inflation, it provides a return of between 1% to 2% per year. Some people think that real estate has been a good investment. This is not so; we still have a bit of ways to decline [...]
I’m surprised at how much faith people put into the stock market. This is not the best vehicle for investments. Financial advisors (if they can even be called that) will tell you to invest in the stock market over the long term because it has averaged 10%-12% per year. That is a load of bull! [...]
There are many types of investment opportunities, including real estate. However, real estate as your primary residence may not be all that appealing.
Historically, residential real estate has appreciated at a little over 6 percent a year. But rising prices are only part of the story. Appreciation figures don’t capture the vast [...]
Yes, Utah is the hotbed for scams and fraudulent activity. One of the recent ones I have heard about is the Money Merge Account created by United First Financial (located in Bluffdale, Utah). They charge you $3,500 to basically tell you to use your discretionay money to pre-pay the principle on your home [...]
Some financial “experts” say that you should have the biggest mortgage you can get, and for the longest time period you can get, and never pay any additional principle. The reason, because of the low interest rate in comparison to the yield that you could get by investing in the stock market. Are they [...]
In the financial world, the greater the risk, the greater the return on investment. Likewise, the more you could lose. More risk has more volatility. Where there is no risk, there is no gain. Sure, I could put money into a savings account at my bank (extremely low risk), and the [...]
[For a deeper analysis with charts and graphs, take a look at DJIA Adjusted for Inflation]
The stock market is nothing more than trading shares of public companies. The people who own the stock technically own an interest in the company, but still they have no voice in regards to how the company is managed or [...]