by Don Gayhardt | Mar 15, 2017 | Finance, Investment, Money Management, Retirement, Saving
When saving for retirement, many people look into annuities, insurance products that provide a steady stream of income. However, annuities are complex products and not for everyone. At its most basic level, an annuity is a product that someone invests in to get back...
by Don Gayhardt | Mar 8, 2017 | Finance, Investment, Money Management, Retirement, Saving
When investing money, it is critical to understand the concept of diversification. Put simply, diversification is a strategy for making portfolios less volatile over time. Unfortunately, however, the diversification process is anything but simple. A number of...
by Don Gayhardt | Mar 2, 2017 | Debt, Education, Finance, Loan, Money Management
One of the best ways to reduce your amount of student loan debt after graduation is to minimize the amount of money you need while in school. Although many students get help from their parents and other resources as undergraduates, the same is not true for those...
by Don Gayhardt | Feb 28, 2017 | Debt, Finance, Investment, Loan, Money Management, Spending
When shopping for a mortgage, it is important to know what the different options are and what the implications of each are for the future. The following is an overview of the major different types of mortgage and what each means for the borrower: Conventional vs....
by Don Gayhardt | Feb 16, 2017 | Finance, Investment, Money Management, Retirement, Spending, Stocks
A popular type of mutual fund is the money market fund. Money market funds are designed to have low volatility by investing only in cash or cash-equivalent securities. Such investments usually have high credit quality and high liquidity. Typical money market fund...
by Don Gayhardt | Feb 9, 2017 | Finance, Investment, Money Management, Retirement, Saving
Many people think of mutual funds as inherently safe or balanced investments, but this assumption can lead people into trouble. Many mutual funds provide greater diversification than is possible through investing on one’s own. However, individuals still need to...
