Use the Internet to Save When You Shop

The Internet makes bargain shopping easy.  Whether comparison shopping or using promo codes or reading reviews, there are many ways to use the Internet to save money.  Many people who have Internet access in their homes probably save at least the equivalent of their monthly Internet bill simply by using the Internet to comparison shop. 

Would You Build an Income Stream Based on SPIAs If you are 30?

With pensions becoming as common as the Dodo bird, annuities are losing their negative connotation and are even becoming more and more popular in the main stream financial media.  Despite the fact that I am only 30 I have started giving real thought to purchasing small staggered Single Premium Immediate Annuities as part of my

What is the Elective Share?

When I am helping a financial planner with an estate distribution schedule one of the first thing I ask is whether “everyone is on the same team?” With that question I am asking whether both spouses have a similar testamentary intent and/or are they aware of each other’s testamentary intent?  The reasons that the question

Avoiding Business Bubbles About to Burst

Nothing lasts forever.  This couldn’t be truer when it comes to business booms.  As the dotcom bubble of the early 2000s demonstrated, what goes up tends to come back down at the same speed.  Any financial advisor or planner will tell you to never count on any “hot” business idea being hot for too much longer. 

How are the Top 10 Stocks for 2007 and 2008 Doing in 2012?

I find it interesting when the financial media makes bold predictions for individual stocks or mutual funds and as time passes the reasoning for the pick erodes. My interest may be based in on my love for history or it may be because of people’s failure to apply sense of accountability. In Part 1 of

There Are Some Business Models I just Don’t Understand

I am not sure why, but I often think about businesses, business models and profitability.  This inevitably leads me to businesses that perplex me insofar as I can’t figure out how they are profitable. Three Examples of Business Models I Don’t Understand Local Bodega, Deli or Coffee Shop in a Large City A Bodega is