AdviceIQ Articles

  • How to Look at Tech Stocks

    Tech stocks offer the promise of good growth. But they are tricky. Analyzing their idiosyncrasies is vital to understanding them, such as knowing that they fall into two rough classifications. Start by realizing that they can generate unwarranted enthusiasm among investors.

    When the general news stations start running financial stories, I get nervous. That usually signals froth in the market, or at least in part of it. We see the initial public offering market, particularly in technology firms, behaving very similarly to that of the tech wreck back in 2000.

  • The Costs of Loans

    No dodging it: You will probably need to borrow money sometime in your life. Different types of loans come with varying degrees of risk and price, no matter what your income level. Best you know all the catches of a loan before signing on the dotted line.

    Most loans are either secured or unsecured. Lenders assume more risk with unsecured loans because they can collect no collateral if you default. Bad loans help drive interest rates’ fluctuation, as lending companies try to recoup lost or dwindling revenues.

  • Risk and Your Financial Goals

    Most people poorly understand tolerance for investment risk. They also have a flawed – or even absent – understanding of the risk in their current investments.

    Understanding risk tolerance and how it aligns with actual investment risk is crucial to your own investing. For instance, how do you respond not only to the downward jolts but also to euphoric market times? How does the current mood of the market affect your buying and selling decisions?

  • Why Pessimists Should Relax

    Lately, an increasing number of doom and gloomers are sounding off. They worry about the sluggishness of the U.S. economic recovery, an increase in interest rates and a decline in America’s place in the world, especially as China rises. They should relax.

  • Loans That Change Lives

    If you feel you can’t make a difference in the world, you’re wrong. Microfinance provides banking services to the poor who normally can’t qualify. And helping the world’s poor this way costs you, relatively, pennies.

    These services usually involve such small amounts of money that traditional banking considers them inconsequential. But to people struggling to work out of poverty, any amount is significant.

  • Budgeting Variable Income

    If you’re an entrepreneur, you typically light up about your freedom, flexibility and independence at work. Serious benefits, as studies show that entrepreneurs who started their own ventures are among the happiest people. Money is a part of your success, though, and good money management can be difficult without a steady, reliable paycheck.

  • The Infallible Trading System

    Imagine being able to trade stocks and knowing that you will make a profit every day. Of course, for the average investor, this is impossible. But mega-banks aren’t average investors. They do it with super-fast computers – and no scruples.

  • Tax Hit Converting to a Roth

    Turning your individual retirement account into a Roth IRA can seem great. Pull the trigger too quickly, though, and you may owe cash to the taxman.

  • How to Face the Future

    Planning for the future, which includes the inevitability of death, has practical and spiritual dimensions. There are believers, unbelievers and skeptics when it comes to concepts of God, heaven and hell. Your view of such things colors your perception of the future and choices made along the way, including how you earn money and deploy resources.

  • Evaluating Active Mutual Funds

    If you’re like many investors, mutual funds constitute a big part of your portfolio. But how do you assess them, beyond their returns? Here are four aspects of evaluating your actively managed mutual fund holdings.

    Who runs the show? Management is a vital consideration when you evaluate an actively managed fund designed and invested to beat market benchmarks.


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