• Crowdfunding v. Traditional Funding

    Crowdfunding is a way for startups or new ventures to raise capital from many investors in small amounts. The Securities and Exchange Commission (SEC) has rules in place for crowdfunding, and here is a recent excerpt from an SEC bulletin : Crowdfunding...
  • The Value of Human Capital

    This infographics shows the value of human capital by explaining how long it takes to earn $1 million by education level. Of course, these numbers are averages. An entrepreneur with a high school diploma can become a multi-millionaire while someone with...
  • Cost of The Thanksgiving Feast

    A lot of food was consumed in the U.S. yesterday. Turkey, gravy, potatoes, stuffing, green beans. The infographic below shows the sales associated with Thanksgiving meals in the U.S. You will find more statistics at Statista From Investopedia...
  • Nobel Laureate Richard Thaler on Nudges, Shoves, and Risk Management

    Richard Thaler is the winner of the 2017 Nobel Prize in Economics. From the NY Times (Oct 9, 2017): Richard H. Thaler, whose work has persuaded many economists to pay more attention to human behavior, and many governments to pay more attention to...
  • Money Worries for Retiring Women

    Women face some unique financial planning issues, and the infographic below discusses some of the risks faced by women as they approach retirement. From the New York Times ( 3 Mar 2017 ): Across all age groups, women have considerably less income...
  • Best Money Practices for Millenials

    This infographic shows some best practices that millenials can use to improve their money management habits. For discussion : What can you add to the list? source: Nationwide
  • Are We Close to a Cashless Society?

    There aren't many transactions today that require cash. You can eat, travel, take a cab or a shared ride, pay your bills, buy a snack, without ever pulling out a single dollar bill. From FastCompany : The U.S. government didn’t issue banknotes...
  • Alternative Financial Services

    Banks aren't the only financial institutions that offer financial services. If you want to borrow money, you can use a rent-to-own store or a pawn shop. If you want to cash a check, you can use some store cashiers or a check cashing store. Each...
  • Invest in What You Know

    Billionaire Mark Cuban gives some of the same investment advice we've heard in the past: invest in what you know. He invested in what he knew--technology--and came out a winner. For discussion : What does he add to Peter Lynch's legendary...
  • Wealth Distribution of American Families

    The new Fed Survey of Consumer Finances shows: 1. growth in family income and wealth since 2013 2. mean family income is higher than median income For discussion : What do the differences between mean and median family income tell us about how...
  • How The Stock Market Works...Then and Now

    This very old film from 1957 describes how the stock market worked back then. Buying shares of stock meant investing in firms that employ people and produce goods and services. Owners of shares are entitled to any dividends that the company pays and they...
  • When Choosing Stocks, Know Why to Buy

    Peter Lynch is the famous portfolio manager who has since retired from running the Magellan Fund for Fidelity Investments. Known for his popular investing book, "One Up On Wall Street," Mr. Lynch became known for the wisdom to "Invest in...
  • The Equifax Hack

    Equifax, the credit reporting agency, reported that millions of customers' personal financial data had been hacked. From NPR, here are six steps you can take to protect yourself: Find out if your information may have been exposed. You can do this...
  • What is a Real Estate Investment Trust (REIT)?

    Investing in real estate can be very profitable, but it comes with it share of headaches. Along with the monthly rent payments, you get to deal with bad tenants, maintenance issues, and liabilities--and that's just for residential real estate. Commercial...
  • Beware of Financial Fraud

    This video explains how anyone can be swindled. Fraud victims are not exclusively elderly widows--rather, they include doctors, lawyers, educated, and uneducated alike. For discussion: 1. What are some common financial frauds? 2. What are some warning...
  • The State of Cybersecurity

    From a recent Forbes article : Is the cybersecurity industry keeping up with cybercrime? Absolutely not. Cyberwarfare is at an all-time high, and cybersecurity is just unable—unequipped—to keep up. We’re seeing a convergence of three...
  • The Darling Stock of Hedge Funds

    This CNBC video shows that Alphabet (parent company of Google) is the new darling of hedge funds. What are hedge funds anyway? The SEC describes them like this: Hedge funds pool investors’ money and invest the money in an effort to make a...
  • Do You Have a Rainy Day Fund?

    What is a rainy day fund? Do you have one? Everyone needs to have a little cash set aside to cover unexpected repairs or medical expenses. From Bankrate.com: "It's not for personal wants or desires for which you didn't save," he...
  • Can We Go Entirely Cashless?

    From the Federal Reserve Bank of San Francisco : The average U.S. consumer still carries cash, despite reports that Americans don’t carry cash anymore . Last year, the Cash Product Office’s (CPO) paper, “ Who Holds Cash? ”, found...
  • How to Value a Masterpiece

    Experts tell us that to figure out the value of fine art, the investor must take the following steps: Examine the physical condition of the work to find any tears or damage Authenticate by looking for the artist's signature Compare the piece...
  • Millenials Show Signs of Financial Strain

    From FINRA: Study Finds 1 in 3 Student Loan Holders With Payments Due Are Late With Payments and More Than Half Regret Their Borrowing Data Shows Many Borrowers Don't Understand Loans They Obtain Nearly half of young Americans start their working...
  • Best Financial Advice is Available For Free

    In this video, this blogger claims that the best financial advice fits on a single index card and is available for free. So what is on the index card? Spend only what you need to spend Save for retirement Invest properly
  • Common Sense Investing

    Many financial mistakes can be avoided if we just use some common sense. From this article, some sound financial advice includes: 1. Expect some volatility in your investment account 2. Diversify diversify diversify Sounds like common sense, doesn't...
  • Are You Financially Literate?

    What is financial literacy? According to one source: The President's Advisory Council on Financial Literacy defines personal financial literacy as "the ability to use knowledge and skills to manage financial resources effectively for a...
  • Struggling to Make Ends Meet

    Everyone knows that to lose weight, we need to move more and eat less. No mystery there. Likewise, to save money, we need to spend less than we earn. Again, no mystery to that either. The infographic below shows that one in five Americans spends more...