Personal Finance

Exchange Traded Funds (ETFs) for your Individual Investments

As long as there will be sell-side bankers, there will be new investment products ushered in to attract the individual investor to the pot of gold. We must begin with the requisite disclaimer that whatever is printed in this article is not investment advice, so check with your broker before making any investment decisions. Okay. Now we are ready. ETFs ...

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Housing Industry Facing Several Issues

After almost ten years of tailwinds, the housing industry is facing some headwinds for the first time since the financial crisis and real estate collapse in 2007 to 2009. Several reports came out last week that are flashing warning signs for the housing market, but there is also a growing problem that isn’t reflected in the government reports. First of ...

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Business Owners are becoming more Tech Savvy

Large companies are at the forefront of artificial intelligence and robotics in their need to stay competitive in a tech-savvy workplace. This thought process is now trickling down to small business owners who have come to a fork in the road in automation. The crux of the issue is time. Small business is starting to go digital, as smartphone apps, ...

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Lori Greiner leads the way for Women Inventors

We know Lori Greiner as the “warm blooded” female shark on television’s Shark Tank. What you may not know is that Greiner has invented more than 600 products and helps aspiring entrepreneurs launch theirs. She also holds 120 U.S. and foreign patents. If you look across the board at the Shark Tank lenders, they are all self-made millionaires and billionaires ...

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The Financial Metamorphosis of the College Education

As is the case in any supply and demand driven market, the cost of a college education today has been driven to a point where it would seem impossible that demand for a diploma at prices in excess of $70,000 per year would continue. Flash back to circa 1980.  Tuition at some of the best private liberal arts schools was ...

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Beware Of Top Performing Newsletters

Many people make resolutions at the beginning of each New Year. Some people focus on their health, some focus on their relationships and others focus on changing their financial situation. I can’t help you with the first two, I am not the picture of health, but my wife and I will celebrate our 25th Anniversary in 2018. It is the ...

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The Final GOP Tax-Reform Bill Unveiled

Only six weeks after the first draft of the GOP’s tax plan was introduced, both the House and Senate final tax-reform bills were revealed late last week. Let’s break down the plan– Individual income-tax rates have been cut significantly. The seven tax brackets remain, but the percentages have been dropped in almost every one. The new rates are 10%, 12%, ...

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Does A Falling Tide Drop All Boats?

We often hear the phrase “A rising tide lifts all boats” associated with the economy or sometimes with the stock market. What most people fail to see is that the opposite is true as well; a falling tide drops all boats. With the stock market rising essentially for over eight years now, the bull market has definitely lifted most boats, ...

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‘Would You Like a Whole Company With That?’ Whole Business Securitization of Restaurant Companies.

Over the course of this year, several household name fast-food companies have issued bonds that are referred to on Wall St. as ‘whole business securitizations’. These bonds are so named because they are secured by intangible intellectual property assets (e.g. franchise fees, trademarks) that are indivisible from the value of these companies as going concerns. Among the companies that have ...

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