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college students finances

6 Things Every College Student Should Know About Finances

College. The time to find new friends, gain life experience, and ultimately, figure out what path you want to go down. While college is a mixture of fun and hard work it’s also a time to be thinking about the future. And like it or not, a big part of your future is going to have to do with … Keep Reading...

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grow your portfolio

Investing Tip #139: Gradually Expand Your Portfolio

Once you have acquired a feel for the market through blue chips, you can explore the mid-cap and small caps. Do your home work to pick up some good growth companies. Once you understand the investing process better, you can gradually expand your portfolio to include other categories. If you want to learn more check […]

bank error

I Was Overpaid! What Do I Do Now?

Remember playing Monopoly and landing on Community Chest, then receiving the card “Bank Error In Your Favor, College $200″.  I loved that card. Just like in Monopoly, bank errors happen.  In fact, overpayments happen all the time.  You could be overpaid interest by your bank, or you could receive too much money from your employer. […]

DIJA Index Shares

Investing Tip #138: Start with DIJA Index Shares

A new entrant should start with stable and quality companies. Pick up some blue chip companies in the DJIA Index. Stick to blue-chip stocks that are known to be consistent performers.  Blue-chip stocks are likely to fetch you capital appreciation with a steady stream of dividends. You should not adventure in volatile stocks at the […]

portfolio size

Investing Tip #137: Cut Down Your Portfolio Size

A huge portfolio in size (not in money) shows that you are not following any clear investment strategy. Try to cut down the portfolio to a manageable level by weeding out the losers or lowest gainers. If you want to learn more check out these resources: One Piece of Investing Advice for Beginners Dogs of […]


Investing Tip #136: Search OTC for the Great Companies of Tomorrow

OTC helps start-up new generation entrepreneurs to raise capital from investors without going through Stock Exchange. The trading is carried out by a market maker who provides both buy and sells quotes for a stock and is ready to take a position in the stock. Analyze to find great companies of tomorrow. Till 1972, the […]

Rental Properties for Millennials

Why Rental Properties are a Great Way to Diversify Your Investments

Most financial advisers, television shows about money, and even colleges teach people to invest money in the stock market. Real estate is rarely mentioned as a vehicle to invest your money, except when buying a personal residence rather than renting one. I feel investing in real estate with rental properties is one of the best […]

contrarians strategy

Investing Tip #135: Contrarian’s Strategy Brings Long Term Appreciation

A contrarian goes against prevailing market trends by buying good stocks that are presently performing poorly but have potential to perform well. A contrarian trading theory recommends making investments contrary to the apparent direction of the market or commonly accepted wisdom. Some great investors such as Sir John Templeton  and Jim Rogers adopted a contrarian […]

ea sports

What Lies Ahead for EA Sports and the Video Game Publishers?

Every fall EA Sports (NASDAQ: EA) releases its latest game in the Madden series and the other video game developers prepare for the holiday season.  These stocks have all outperformed the market this year. Both Take-Two Interactive (NASDAQ: TTWO) and Activision Blizzard (NASDAQ: ATVI) are up 32% year-to-date while EA Sports is up over 60%.  […]

government bonds

Investing Tip #134: Invest in Government Bonds when Yields are High

Bond yields and its market price move in opposite directions. High inflation and a high interest rate pushes bond yields up and brings down the bond price in the market. Investments in Government Bonds are free from default and provide reasonable returns, especially if invested when Bond Yields are high. If you want to learn […]

Ask Robert Anything

Ask Robert Anything Day! Seriously Anything!

Have you ever asked yourself, “I wish I could ask Robert something today?”  You know, beyond the usual he posts on his site. Well, today is your lucky day. For the next 24 hours I’ll answering any questions you have, similar to Reddit’s popular AMA (Ask Me Anything).  It’s your chance to ask me anything you’ve […]

fixed maturity funds

Investing Tip #133: Substitute Fixed Deposits with Fixed Maturity Funds

Fixed Maturity Funds are closed-ended debt funds with a fixed maturity date. The Fund is parked in corporate debts, government securities and money market instruments with matching duration. Your final returns are not impacted by fluctuations. If you want to learn more check out these resources: How to Avoid Financial Loss from Rising Interest Rates […]

quotanda review

Quotanda Review: P2P Lending for Students

In recent months we’ve dug a little deeper into the world of peer to peer lending. We’ve come to the consensus that the Peer to Peer Lending Market is going nowhere but up. In fact, it seems like there are new companies to check out every week. But what makes these companies really stand apart […]

life insurance

Do You Need Life Insurance?

Life insurance is an important financial tool. And while most people do need to secure protection not everyone needs high coverage amounts. As an example a married couple with several children will most likely need more coverage than a single person with no debt. But do you know how much life insurance you need? If […]

balanced funds

Investing Tip #132: Invest in Balanced Funds for Moderate Returns with Lower Risk

If you want some regular income and also capital appreciation along with safety, you may keep a Balanced Fund in your portfolio. The strategy of this fund is to balance the fund’s portfolio. To balance the fund, money is invested in both bonds and equities with the predetermined weights allotted to the asset class; say […]


The Toolkit You Need To Get Started Investing Today

So, you want to learn how to get started investing. Awesome! Now, my guess is that you fall into one of the following categories of people who want to get started investing for their future: You are an inspiring investor.  Meaning, you have a little bit of money (or none at all) and you want […]

great investors

Investing Tip #131: Take Time to Learn from Great Investors

Sharpen your investment strategy by educating yourself. Read about some outstanding investors such as Graham, Fisher, Buffet, Templeton and Lynch and how they made their fortunes. Each one has dramatically exceeded market performance. Understand their innovative ways to analyze and pick up securities. Read. And read and read, to be a successful investor. If you […]


Investing Tip #130: Invest 10% of Your Portfolio in TIPS

Historically inflation is a reality and erodes your savings especially if invested in bonds and other fixed securities.  The Treasury inflation-protected securities (TIPS) protects you investment against inflation and has the guarantee of the US treasury. Maturity value and interest rate are linked to Consumer Price Index (CPI). You can have a small percentage; say […]

bear market

Investing Tip #129: Don’t Leave a Bear Market

Don’t leave the ground. Build up your courage and stay. Rather, continue investing in a bear market. During the bearish phase of the market, invest in good quality companies for the long term. You can make the most of your money in the future. Historically, periods of low returns have been followed by periods of […]

Education Savings Accounts

Types of Education Savings Accounts and Which Account is Best

There are several different types of education savings accounts that can be used to save for your child’s future education expenses. The two main education savings account vehicles are Coverdell Education Savings Account and a 529 College Savings Plan. Many individuals also create Uniform Gift to Minors Act (UGMA) custodial accounts and provide funds directly […]

short term underperfomance

Investing Tip #128: Ignore Short Term Under-Performance

Sometimes your portfolio may pass through periods of under-performance compared to the overall market. It happens with great investors too! Practice patience. If you want to learn more check out these resources: Why You Need Patience for Personal Finance Warren Buffett’s Top Five Tips for investors