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Investing

The Mole on Lump Sum vs. Dollar Cost Averaging

by Luke Landes

Recently, I asked whether I should fund my Roth IRA in one lump sum or dollar cost average throughout the year. It’s unlikely that I’ll qualify to fund a Roth IRA this year, so now this question is moot. Regardless, Money Magazine’s “The Mole,” an anonymous financial adviser insider, tackled this question (though with an ... Continue reading this article…

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My 2007 401(k) Performance and Blog Roundup

by Luke Landes

Yesterday, I received my final 2007 401(k) statement in the mail. According to their records, my account’s performance in the fourth quarter last year was down 3.50 percent while my performance for the entire year was up 7.09 percent. That’s a bit of a let-down from 2006, when my 401(k) performance was a strong positive 16.25 percent. It ... Continue reading this article…

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The Keynote Index Fund: Buying and Holding AAPL Beats Market Timing

by Luke Landes

What if you invested in Apple (AAPL) the day before each of Steve Jobs’ keynote addresses at Macworld and sold the day after? Matt Haughey researched historic stock prices and designed the Keynote Index Fund. A fund of this style would return an average of 2.2 percent immediate (not annual) growth over two days. According to ... Continue reading this article…

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Index Fund Investors Earn More From Investments

by Luke Landes

Trying to beat the market through trading based on impressions of short-term trends has the opposite effect. There’s a new study assembled by researchers from three university that shows that those who invest in index funds have better investment returns than those who invest in managed funds. In fact, those who invest in no-load index ... Continue reading this article…

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2008 Roth IRA: Lump Sum or Dollar Cost Average?

by Luke Landes

The last contribution to my 2007 Roth IRA was invested last Monday. Ever since my first Roth IRA several years ago, I’ve been maximizing the contribution each year by automatically investing equal amounts twice each month. One reason for using that technique, usually known as “dollar cost averaging” was to reduce risk. With the market ... Continue reading this article…

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Teaching Children Practical Money Lessons: Investing

by Luke Landes

Last week, I wrote about a family that has a hard time saying no to the children when it comes to fulfilling the kids’ material desires. There were a number of suggestions in the article and the discussion on Consumerism Commentary with thoughts about how such a family could impart healthier financial values. A recent ... Continue reading this article…

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ING Direct Lowered Commissions for ShareBuilder Accounts

by Luke Landes

Last month, ING Direct acquired ShareBuilder, a discount online brokerage. The two companies seem to make a good pair, so I think it was a good move for the company. ShareBuilder has now lowered the commission charged for real-time trades to $9.95. Automatic investments, orders which are grouped together with many customers and executed as ... Continue reading this article…

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Roth 401(k): It’s Official

by Luke Landes

As I mentioned recently, I am now eligible to participate in my company’s Roth 401(k). I spent some time yesterday to adjust my 25 percent pre-tax 401(k) contribution in order to take advantage of this offer. Even though the calculator I mentioned earlier told me I’d likely benefit the most from depositing my full contribution to ... Continue reading this article…

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2007: The End of TIAA-Cref for My Investments

by Luke Landes

At the end of the year, I will be ceasing my investment in TIAA-Cref funds for retirement. There are less expensive options at Vanguard, and TIAA-Cref’s customer service record has been spotty. I haven’t had any problems lately, but other people still face difficulties. My original post about my problems with TIAA-Cref from almost two ... Continue reading this article…

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Here Comes the Roth 401(k)

by Luke Landes

Starting in January, my company will begin offering Roth 401(k) retirement accounts for employees. Later this month, I will be able to adjust my current contribution amounts to take advantage of tax diversification through the Roth 401(k), but I won’t be able to increase my total contribution if it affects my company stock fund purchases. ... Continue reading this article…

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Time to Run and Hide From Stocks?

by Luke Landes

The stock market has certainly been all over the place lately. A few people have told me that the constant chatter about impending doom is pushing them towards pulling out or re-allocating their investments to expose themselves less to stocks. If I can stomach short-term losses like I think I can, I intend on using ... Continue reading this article…

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Ben Stein: 3 Biggest Retirement Mistakes

by Luke Landes

Ben Stein has been making the rounds through the media in support of National Retirement Planning Week, a celebration of preparedness. He recently met with Terri Cullen from the Wall Street Journal and sat down for a quick interview. Ben shared his opinion regarding the three biggest mistakes people often make in regards to the ... Continue reading this article…

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Investigation: Russ Whitney Should Resign as CEO and Chairman

by Luke Landes

For those who follow real estate investing gurus, it might be interesting to note that Russ Whitney’s company, through an internal investigation, is calling for the founder’s resignation. Russ Whitney, the founder, chief executive officer, and chairman of the Whitney Information Network has in the past aligned himself with Robert Kiyosaki (of Rich Dad, Poor ... Continue reading this article…

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Sold My Third Quarter Stock Purchase Plan Shares

by Luke Landes

I took some time this morning to apply for clearance to sell my company stock purchase plan shares. A recent question from a reader reminded me that I needed to do this before my opportunity would disappear for another few months. The sell was executed this morning, and I was able to get a good ... Continue reading this article…

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Pros and Cons Of New 401(k) Auto-Enrollment Rules

by Luke Landes

Employees who do not specifically choose to do anything with the retirement plans offered by their employer are being targeted by the Labor Department. Under new rules, individuals who do not make their own choice will be automatically placed into 401(k) plans in which their investments will be allocated in a mix of stocks and ... Continue reading this article…

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Reader Question: Forgo ESPP Share Discount?

by Luke Landes

JBW submitted a question to Consumerism Commentary alongside an earlier discussion of my own Employee Stock Purchase Plan (ESPP) shares and I’d like to highlight the question here. I’m currently trying to decide what to do in terms of my employer’s ESPP. The discount is 10 percent and stock is bought on a monthly basis (the ... Continue reading this article…

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Debunking 13 Retirement Myths, Part 1

by Luke Landes

Money Magazine is on the scene again, spreading the truth about retirement, contrary to some popular beliefs. Within, these is some good news alongside bad news. Here are the highlights. Myth #1: You need a big income to have a big nest egg. Some creativity can go a long way. By finding ways to save ... Continue reading this article…

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Would You Buy Into Facebook’s IPO?

by Luke Landes

Yesterday, I wrote how I was a bad judge of Google’s initial stock valuation. Here’s a similar, but purely hypothetical situation. Suppose Facebook were to become a public company. As much as I hate to admit it, the social application and framework seems to be what all the kids are talking about these days, where ... Continue reading this article…

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Google, or: Why I’ll Never Be Good at Stock Predictions

by Luke Landes

When Google‘s stock was first offered, people were saying it would go to $200. I didn’t buy. I didn’t think there was any way the stock would get that high. When it hit $200, they were saying the target price was $300. No way, I thought. It hit $300, and they were talking about $400, ... Continue reading this article…

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Guest Post: The Weak Dollar is Killing Americans’ Wealth

by Luke Landes

This is a guest post from Pinyo, author of Moolanomy, a personal finance blog about money, wealth, investing, and more. Subscribe to Moolanomy’s RSS feed here. In this article, Pinyo’s excitement about his net worth increase is tempered by the declining value of the dollar. I just completed my September net worth review and noticed ... Continue reading this article…

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