Author Archives: Guest Poster

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 isContinue Reading

Have You Ever Recovered from Bad Credit?

The first step you must take to recover from bad credit is to know what is on your credit report. You are legally entitled to one free credit report each year. Make sure that everything on your credit report is actually valid. It is not unusual for credit reports to contain mistaken information. If youContinue 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 pastContinue Reading