Annual Percentage Rate - Financial IQ by Susie Q

The interest rateThe percentage which, when multiplied by the face amount or principal of a financial instrument, such as a bond, savings account or loan, determines the amount of interest that will be paid to or by t... More adjusted to reflect any associated expenses, such as closing costs, mortgage insurance or loan origination fees. Annual percentage rates are always stated before consideration of the impact of any compounding.

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Why I Chose Patience over Re-balancing September 15, 2020

Many financial advisors recommend re-balancing your portfolio no less often than annually to ensure the asset allocation is consistent with your risk tolerance, as illustrated in this post from Schwab. In the past, I haven’t been one to re-balance my portfolio, so I spent some time thinking about why I haven’t followed this common advice. […]

Susie Q

What is Bitcoin: The Short and Long Answers September 2, 2020

The phrase “what is Bitcoin” is currently getting between ten and one hundred thousand search queries in Google per month. There is a broad spectrum of answers out there. In this exposition we’ll give an accessible answer that will help you decide if cryptocurrency is an investment that is right for you. What is Bitcoin? […]

Adam Wilson

Diversification: Don’t Get Misled by these Charts August 18, 2020

Diversification is an important component of any investing plan. It assists you in limiting your risk either to a single asset class or a single security within an asset class. However, I have seen a couple of graphs from which you could form the wrong conclusions about diversification. In this post, I show you the […]

Susie Q

7 Must-Know Stock Market Sell Signals August 4, 2020

Before we talk about the specific indicators that would signify stock market sell signals, we must understand why we bought each stock in the first place. The simple theory of ‘buy low, sell high’ seems practically very easy, but the reality of the situation is much more complex. When investors look to spend their hard […]

Brandon Smith

Why I Don’t Hold the All Seasons Portfolio July 21, 2020

The All Seasons Portfolio reports amazing statistics about its returns. I’d never heard of the All Seasons Portfolio, so had to check it out. As I’ll discuss in more detail, it is an asset allocation strategy with more than 50% of the portfolio allocated to US government bonds. In this current environment of low interest […]

Susie Q