Investing in Mortgages

With the current financial climate as it is, investing in property is quite tricky. Despite low housing prices, there is a relative lack of finance around and investors have to put in more of their own money up front than they had to just five years ago.

There are also far fewer deals around on the market, although what the market lacks in quantity, it makes up for in quality with the arrival of Spanish superbank Santander, on our high street. In certain circumstances, now is a great time to invest, even for those without a huge amount of cash, but you’ll need to do some hard research; try a calculator for mortgage payments such as the one from Santander.

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What I Agree and Disagree with The Four Hour Workweek

I’ve been reading the 4 Hour Workweek by Tim Ferris over the past few days (again). And I’d have to say that he has some pretty awesome/useful information in there. But of course, I don’t agree with everything. Here’s what I agree with and don’t, and how it relates to investing.


Doing something unimportant well doesn’t make it important.

Completely true. Some people feel like they have to listen to the latest BS spit out my Jim Cramer. Don’t, because anyone can be a good listener, and it’s not important.

Requiring a lot of time does not make a task important.

There are many menial jobs  that can be outsourced. You only have 24 hours in a day, so don’t waste time doing something unimportant.

80% of all consequences come from 20% of the causes.

So true. That’s why you should not commit yourself to every opportunity that presents itself. Some people have the notion that they need to pursue every money making opportunity. Don’t. 80% of all stock market gains are realized by 20% of the investors and 20% of an individual portfolio.

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Is a University Degree Worth It?

Are universities worth it? Is a degree worth the time? Is the graduation scroll worth the money?

That’s a problem that many parents are considering nowadays. The cost of a post-secondary education has steadily increased over the past ten years. In other words, more and more undergraduate students need student loans in order to go to university. Many people who can’t afford to go to university and don’t want thousands of dollars worth of debt simply decide to start working after high school.

In this recession, more and more university graduates realize that they can’t find a job in the field they majored in. Young adults who majored in finance can’t find finance jobs, engineers can’t find engineering jobs, etc. Hence, it is not uncommon nowadays to see waiters who graduated with a degree in humanities from Yale. That’s the state of the jobs situation in America.

So if students are spending years and thousands of dollars on a university education, and end up getting the same job as those who didn’t go to university are, is a university degree worth it?

Let’s consider from two points of view; those who plan on working for others after university (or after getting an MBA), and those who plan on becoming entrepreneurs.

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Dow Jones Historical Data for Month of December

As November’s drawing to a close, we’re about to enter into the holiday season! Other than Santa Claus climbing down your chimney, you’ve got another reason to be excited. As you will see in the chart below, December has historically been a great month for the stock markets (that is, of course, if you pay no attention to the 50% + drop in 2008!

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American Democracy – Left for Dead

When the United States of America was founded on July 4, 1776, all the European nations predicted that the American democractic political system would be a failed experiment. And for 85 years, those naysayers were proved wrong. Then came the outbreak of the Civil War, and once again, the critics came out saying the democracy doesn’t work, just look at the war they’re having in the U.S. But when the war ended, the critics were proved wrong.

Democracy is was supposed to be about the will of the PEOPLE, not some Fortune 500 CEO. Like they say “when it leaks, it pours.” This “Great Recession” has exposed the real dark side of democracy: money talks.

50 years ago, people would have been outraged if their government had $15 trillion in debt. 40 years ago, Americans would have protested en masse if their government was involved in a massive foreign war. 50 years ago, Americans would have fought for what they believed was right. But times are a-changing……

So what’s changed?? Capitalism and democracy was initially a wonderful idea. The focus of the country was to be on business. Successful economy = happy people = happy lives = happy voters. It didn’t matter if you were Muslim, or Christian, or beileved in a conservative government, or a liberal government. All that mattered was – is the economy humming along nicely. If politicians instigated the right policies, businesses and the economy would flourish.  If businesses were successful, the profits would trickle down to the masses. Prosperity everywhere.

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Interview With Investor Robert

The following is an interview with Robert Farrington, who is an investor that also blogs at The College Investor.

1. So tell us a little bit about yourself. You don’t need to get too detailed. E.g. How old are you, what country do you live in, do you have a family, etc.
I’m Robert and I blog at The College Investor.  I started this site to highlight saving and investing for young adults and college students.  I live in California.

2. When did you start investing? What age? Year? Why did you start investing?
I started investing when I was abut 16.  I had some extra money from my first job, and investing always interested me.  I remember putting about $500 into my first brokerage account.  Its done pretty well since then!

3. So what kind of an investor are you? Are you just trading your pension fund, or are you a full time investor? Approximately how many positions do you like to have at a time? Typically, how long do you hold each investment?
I consider myself an active investor, but I have a a lot of passive index funds as well.  I keep a large portion of my portfolio in index funds, and keep a portion that I trade based on my market analysis.  For the positions I trade, I would estimate that I hold them 6 months to 2 years.  I currently have about 20 positions, which about 8 are actively traded.

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My Backup Plan

The first half of this story is totally unrelated to investing, but I promise you, I will relate the second half of this post to investing.

I was reading Pat Flynn’s recent October blog report, and he mentioned a WordPress plugin called “Limit Login Attempts”. This tool shows you the number of jerks and hackers that attempt to login to your site. It also shows you the IP address of the hackers, and allows you to lock them out. So here’s the image of the number of hackers who tried to log in to Pat’s blog.

Pretty scary, isn’t it?

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The Millionaire Fastlane Giveaway!

Hey there everyone! I recently shot MJ DeMarco an email asking about some personal stuff, and not only did he reply, but also agreed to give away 3 copies of his bestselling book for free, to my readers! In case you don’t know who he is, or what his book is about, click here, or look below at the screenshot.

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Don’t Move Your Stop Loss Orders

Stick to your stop losses! It’s better to risk the chance of giving up potential profits than to risk a more probable chance of losing money! Many experienced investors often fall into the trap where they move their stop loss orders lower, believing that the fall in market prices is only a temporary fall, and things will get better.

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