The Story Behind Scholarships, Grants, and Student Loans

If you’re looking to do your kids a huge favor, consider the cost of college when they are quite young. As many are aware, the burden of college costs has increased dramatically in the past 10 years and is showing no signs of decreasing anytime soon. The earlier parents start saving, the lower the regular contributions to qualified plans will have to be.

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Liquidity in the Housing Market

What’s up with the housing market in America? It was my opinion as a child that purchasing a home was a routine and boring procedure. A family would save up over a number of years to gather enough money to purchase a home. They would then use that home as a foundation for a family and work to improve and maintain that home. I suppose this belief was a reflection of my experience growing up in a suburban environment and meeting throngs of people who could relate to my experiences. Several years later, at age 23, I’ve developed some new feelings about housing, how it became a “market” and what the important risks and rewards are to participating in this market. My first eye-opening experience was discovering that taking out a mortgage means more than the bank handing you a pile of cash.

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Good Alternatives To Traditional Stock And Bond Investments

In the late 1990’s it was difficult to picture the major stock market averages staying down for a full year. We saw 20-30% gains each year in the price of stocks from 1996-1999. However, in the post technology bubble and 9/11 era we’ve seen some important changes in the world economy. In light of this, investors need to do more than throw a dart at the stock market and expect to make money. You must think logically about where money is flowing and what businesses will thrive in their sectors. Fortunately, I’ve done most of this research for you and am willing to share it. What I’ve found in many cases are alternative investments which can potentially outperform your traditional stock and bond investment or at least improve your diversification and round out your portfolio. Here are some of my ideas:

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