Personal

August 23, 2019 Personal 14 Comments

Get the gun stocks out! ESG investing can get messy for socially conscious investors

Get the gun stocks out! ESG investing can get messy for socially conscious investors Investing by moral compass is getting more popular — but it’s not always so easy. Take the recent blunder in Vanguard’s US ESG Stock exchange-traded fund. The fund invests in ESG stocks, or companies … Continue reading at usatoday.com Volkswagen says […]

June 8, 2019 Personal No Comments

Personal Finance

May 16, 2019 Personal 14 Comments

Here’s What You Earned Investing In China’s Largest Public Companies

Here’s What You Earned Investing In China’s Largest Public Companies China’s mega-corporations are becoming more mega. And once again, their state-owned banks account for half of the top 10 biggest companies in the world, based on the findings in the latest Forbes … Continue reading at forbes.com What I’ve learned about investing after reporting on […]

April 19, 2019 Personal 15 Comments

How to Make a Family Budget

April 15, 2019 Personal 11 Comments

I’ve been using Mint for 3 years to track my spending and visualize my budget — here’s what it’s like to use the personal finance app

I’ve been using Mint for 3 years to track my spending and visualize my budget — here’s what it’s like to use the personal finance app Two angles facing left, which often indicate, “return to the beginning.” Two angles facing right, which often indicate, “advance to the end.” Mint is one of the most popular […]

April 13, 2019 Personal 11 Comments

Required personal finance class for NC students could mean fewer US history lessons

Required personal finance class for NC students could mean fewer US history lessons North Carolina high school students could be required to learn more about financial literacy, but it could come at the cost of learning less about U.S. history. Legislation going through both the … Continue reading at newsobserver.com Why personal finance is extra-complicated […]

January 23, 2019 Personal 16 Comments

New Survey Shows Consumers, No Matter Their Income or Assets, Need Support with Spending, Household Budgeting

New Survey Shows Consumers, No Matter Their Income or Assets, Need Support with Spending, Household Budgeting 68 percent agree that having a household budget would help them reach personal and family goals, and 67 percent say that if they had a budget it would have a great impact on their confidence in … Continue reading […]

January 20, 2019 Personal 15 Comments

Super Bowl Betting: Money Management Most Important Factor for Success

Super Bowl Betting: Money Management Most Important Factor for Success What do you want?: At some point when you were growing up, your parents probably told you that you had to have goals. You likely scoffed and stormed into your room like the spoiled brat we all were ba… Continue reading at docsports.com Video poker […]

"When gold peaked-out in the 1970s, interest rates were at an all-time high," Lubaszka says. "Right now we're waiting to feel the effects of the last 9 interest rate increases which generally take 6-9 months to begin impacting the economy. Now's the time to buy gold because when rates go up, downward pressure is exerted on real estate, stocks and bonds and commodities like gold tend to increase. The opposite occurs when rates travel from a high to a low. That's the time to reduce gold assets and increase the paper part of a portfolio."

Lubaszka explain, "It's probably best for the first time investor to begin conservatively by purchasing physical metals instead of gold stocks, which can be very volatile". According to Clearwater, Fla.-based talk show host and gold analyst, Tom O'Brien, when metals gain 20%, gold equities jump by fifty or sixty per cent. That's great when it happens but the reverse can occur as well.

In some cases, in fact, it's not even the same fund to begin with. Remember, after a management change, the rating stays with the fund, not the portfolio manager. Therefore, a fund's rating might be based almost entirely on the track record of a manager who is no longer with the fund.