Author Archives: Guest Poster

What is the difference between a subsidized and unsubsidized loan?

Whether you are looking to enroll in college or purchase a home, it is important to know the difference between a subsidized or unsubsidized loan. In both student loans and homeowner loans, there are two options. Both have qualifications that need to be met in order to participate. A person must be able to show… Continue Reading

Should You Ever Go Past Your Debt Limit?

With all the talk of the United States government considering a raise to the federal debt limit, it should give Americans the opportunity and desire to revisit their own debt limits. Personal Debt Limit So the question then becomes, what is your family’s debt limit and should you ever go past it into uncharted territory?… Continue Reading

Why Value Investing Works – The Myth of Efficient Markets

Why Value Investing Works – The Myth of Efficient Markets

Eugene Fama is generally credited with creating the academic model of Efficient Markets in his Phd. thesis at University of Chicago. At its very basic, the weak form of Efficient Market Hypothesis states that the securities prices reflect ALL publicly available information. The semi-strong form of EMH further states that any new public information is… Continue Reading

The American Dream Now Rents

The long-held notion of the American Dream has always included owning a home with the proverbial white picket fence. Today, that dream has become unpractical for many Americans. The unstable job economy paired with the recent bust of the housing market has put home ownership out of reach for many families. Once you look past… Continue Reading

The Wife’s Confusing View on Credit Cards

Post by The Wife I am not a huge fan of credit cards, but I am aware that sometimes they are necessary.  It has been trying but I have learned over time that a credit card doesn’t always have to equate to an uncontrolled amount of debt.  Credit cards can provide security in an emergency,… Continue Reading

Spending vs. Saving

One of the most common questions people face today in the area of personal finances is whether it is better to enjoy your money today, or save for tomorrow.  It often feels like the experts are suggesting that you must choose one or the other and that there is no compromise. However, this is not… Continue Reading