eFIPO Finance and Politics

The Big Move

JRBeaudry@efipo.com (Jeremie) — Wed, 15 Nov 2006 15:31:52 PST

http://www.eFIPO.com

It's been a fun time on saving advice, but it's time for me to exit. I gotta spend more time on my main site. Please visit it for complete posts, and debates. Thanks again for the whole community for helping me out for the past few months.

Sincerely, Jeremie

Holidays� Big Work-Out

JRBeaudry@efipo.com (Jeremie) — Mon, 06 Nov 2006 20:05:52 PST

As I have told you many times in the past few months, I knew that the stocks that I owned were going down. A lot of my portfolio relies on the consumer action for it to see stock prices soar. I have retail store holdings (like Best Buy & Circuit City) that usually only see profits...

Buying the Good Stuff

JRBeaudry@efipo.com (Jeremie) — Sun, 05 Nov 2006 20:44:45 PST

I received an email today with a great question. Here it is �Hey Jeremie I�ve been reading your blog for about 2 months now and I have a question. I just ran into a pretty large amount of money. Well to me it�s big money. My grandmother gave me $2,500 and I am trying to decide what...

Jeremie�s Stock Performance#7

JRBeaudry@efipo.com (Jeremie) — Sat, 04 Nov 2006 09:09:40 PST

Mutual Fund Performance (All grouped together)

* Friday, October 27, 2006 � Full Value $10,628.86

* Friday, November 3, 2006 � Full Value $10,485.46

* Decrease of $143.4 which is a ~1.4% decrease.

Individual Stock Performance (All grouped together)

*...

Retirement Rules

JRBeaudry@efipo.com (Jeremie) — Fri, 03 Nov 2006 14:52:55 PST

(Congratulations�now you�re
down to only one boss!
Happy Retirement!)

Are you worried about retirement? Probably not� I mean you�re young and you don�t have to worry about it for such a long time. I don�t think so. The �Are you worried about retirement� question is so vague....

Generation Y Not?

JRBeaudry@efipo.com (Jeremie) — Wed, 01 Nov 2006 22:08:35 PST

According to a new study conducted by the American Institute of Certified Public Accountants, Generation Y (eFIPO generation, 17-35) are not saving money and are engulfed in debt. Why is this happening? Times have changed. We live in complex world that promotes the need for immediate...

Goals Equal Success #2

JRBeaudry@efipo.com (Jeremie) — Mon, 30 Oct 2006 12:08:27 PST

Continuation of �A Different kind of Investing�, Goals Equal Success #1, and more things that I�ve learned from �The Richest Man Who Ever Lived� by Steven K. Scott.

Dreams are nothing more than the completion of goals set by the individual. Like I said before, I truly believe that...

Goals Equal Success #1

JRBeaudry@efipo.com (Jeremie) — Mon, 30 Oct 2006 07:52:48 PST

Continuation of �A Different kind of Investing� and more things that I�ve learned from �The Richest Man Who Ever Lived� by Steven K. Scott.

You ever wonder why some people are successful and others fail? According to this book, there are two significant things to do to become successful....

America Is Getting Fat. Population Wise.

JRBeaudry@efipo.com (Jeremie) — Sat, 28 Oct 2006 14:02:15 PST

According to recent reports from the U.S. Census Bureau, America has finally reached the 300 million mark. What does this mean for the U.S.? Well according to most economic statisticians it will not be affecting America for quite sometime. On the other hand, other developed countries...

Calculating your REAL Return

JRBeaudry@efipo.com (Jeremie) — Thu, 26 Oct 2006 12:06:34 PST

Let me just start off with an example.

You have five years of return data from your portfolio.

Years/Returns

1- 10%

2- 18%

3- 21%

4- -3%

5- 17%

The way most people calculate their returns is to add all of them up and divide by the amount of years. Your average...

Things You Can Control#2

JRBeaudry@efipo.com (Jeremie) — Wed, 25 Oct 2006 09:56:03 PST

Conclusion of Things You Can Control

4th. Doubling up- If you are trying to diversify your investment portfolio, don�t double up on your funds. Let�s say you already have a large growth cap mutual fund. Buying another large growth cap fund would just be redundant. If you end up...

Things You Can Control#1

JRBeaudry@efipo.com (Jeremie) — Tue, 24 Oct 2006 13:24:31 PST

Portfolio returns are usually pretty unpredictable. You can never forecast what return you will end up getting. So you should just throw your money anywhere and pray for the best right? Wrong. There are a few variables which the investor has full control over.

* 1st. Portfolio...

Market Return>Your Return

JRBeaudry@efipo.com (Jeremie) — Mon, 23 Oct 2006 14:30:42 PST

Why cant people beat the market? Everything I read talks about how most investors in the stock market always lag the S&P. Are people being stupid or just ignorant? I think it�s a combination of the two. The worst investor is an uninformed �in it for the short term� kind of investor....

Student Loan Payback

JRBeaudry@efipo.com (Jeremie) — Fri, 20 Oct 2006 10:15:53 PST

Today I start the repayment of my student loans. This is the 2nd biggest debt I have other than the mortgage. For 15 years I will be paying ~$82.00 a month, but there some easy ways to getting that amount cut. 1st (the easiest one) is to auto-debit your account for .25% reduction....

Build Your Wealth in Real Estate#2

JRBeaudry@efipo.com (Jeremie) — Tue, 17 Oct 2006 09:44:30 PST

Continuation of Build Your Wealth in Real Estate.

This is the second chapter of the trilogy. It gets a little meatier and requires a lot more education. This is the section where you finally start earning some income off of real estate. Here�s the big question: Do you want to be...

Uninstalling an Old Friend

JRBeaudry@efipo.com (Jeremie) — Fri, 13 Oct 2006 14:30:44 PST

Today was a big day for me. After watching an episode of South Park �Make Love, Not Warcraft�, I decided it was time to uninstall all my money saving computer games. Even though I played World of Warcraft only once, I still decided it was time to move on. I�ve been a huge gamer...

Get Hazard Insurance!

JRBeaudry@efipo.com (Jeremie) — Thu, 12 Oct 2006 20:58:25 PST

Let me tell you about my day. It was a beautiful morning in Georgia. It wasn�t too hot and it wasn�t too cold. There was sunshine gleaming through the trees in my front lawn, and the birds were singing a good tune. It was just perfect. But then�. I was getting ready to go to work and...

Liquor Over Beer Makes YOU Richer

JRBeaudry@efipo.com (Jeremie) — Wed, 11 Oct 2006 11:45:39 PST

Over 21 only article �involves alcohol

Can drinking alcohol increase how much money you get at the end of the month? According to The Journal of Labor Research, drinkers usually earn 10-14% more than non-drinkers. You could read the whole article at CNN Money. A lot of writers on...

Why save when you�re Broke

JRBeaudry@efipo.com (Jeremie) — Mon, 09 Oct 2006 08:33:30 PST

Why do people have a savings account when you�re in big time debt? When I used to work at a bank in Atlanta, I used to see thousands of people that had a savings account (earning 1.5% interest) and a maxed out credit card with an interest rate of 15% or more. This makes no sense at...

A lot of Money = A lot of Questions.

JRBeaudry@efipo.com (Jeremie) — Sat, 07 Oct 2006 07:33:38 PST

Question Sent from an eFIPO.com Reader

Hey Jeremie!
So I told you last month that I would start emailing you with lots of questions, so here they come! I recently got the life insurance package from my mother�s life insurance, and it was sent to me in the form of a bank account...