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 Fundamental Difference Between Conservatives and Liberals When it Comes to Equality

Every morning while getting ready for work I have CNBC on as background noise, and I saw a commercial the other morning that really got me to thinking about something other than money and personal finance.  It was some MSNBC anchor talking about he just wants, “equality” and I immediately thought to myself, “who besides… Continue Reading