jim & david I’m seeing a new trend these days that I believe is misleading and dangerous. With the popularity of artificial intelligence there are people promoting stock trading programs with advanced algorithms they claim will deliver superior market performance. Are They Wonder Programs? These wonder programs analyse a multitude of stock performance indicators to determine optimum buy … Read more
Somethings Gotta Give Looking at the current situation in the United States we see an interesting concept called the debt ceiling. The debt ceiling is the maximum amount of money that the United States can borrow cumulatively by issuing bonds. If the U.S. government can’t meet the interest payment obligations to bondholders the United States … Read more
When you own stock in a company or many companies such as through a fund, you are more than just an investor, you become a small owner in those businesses. So if the business does well you can expect the share price to rise which increases the value of your investment. Since businesses appreciate you … Read more
Why Funds? It would take pages to fully explain funds, so here’s my brief summary. Owning a large assortment of individual stocks and bonds is a low risk way to aim for the best long term returns from the stock market. Unfortunately setting up this type of portfolio traditionally required a large amount of money. … Read more
As I reflect on the four years that have passed since writing my first book on financial planning I’m quite surprised at how our world has changed. Many of the certainties we took for granted and even assumed were guaranteed have been completely uprooted. Unfortunately, to be replaced with a new sense of insecurity. Hence, … Read more
When I think of slavery I imagine southern cotton plantations with a master and workforce who laboured to keep their owner in luxury. Through work, service and loyalty a slave existed to satisfy the wants and needs of their master. When you are unable to go beyond satisfying your wants and merely exist to maintain … Read more
When it comes to creating an emergency fund, saving for retirement, or paying down debt the standard solution seems to be “I’ll get to it when I get to it”. So when is the right time to deal with your finances? The best time is always! Saving a small percentage of your current income to … Read more
The easiest job any person can have is to be a critic. It takes no actual experience or training. You simply look for flaws in any plan and attack away. We love to criticise everything. Lately the brunt of our criticisms is centred on hot topics like inflation, government debt, and taxes. A Love-Hate Relationship … Read more
