SmartMoney Blogs

Ask SmartMoney
Your personal finance questions, answered.

Where Should I Invest College Savings?

    • How about using Guggenheim bullet shares for 2014?
      An ETF for bonds maturing in three years to eliminate the interest rate risk….

    • Cash is the place to be for a while. Soon your USD will buy more stocks, more homes, more oil, more gold. Deflationary crash is coming.

      The deficit of 1.5 trillion is funding 50 to 60 million jobs in America. We are borrowing to spend on consumer economy. These are all service sector jobs. We need manufacturing jobs, science, engineering and technology jobs. Service sector jobs are not able to help curb trade deficit. It is a dead end. Keynesians are dead wrong about it. At the end of the day, they won’t be able to spend to stimulate the economy. Once their hand is forced, the crash will be unlike anything we have ever witnessed. We need to let the free markets run so that private sector can align itself with what works and what does not. FED is giving the wrong signals to the economy and it is creating wrong kind of jobs. These jobs won’t survive the next leg down.


      Our real problem is not unemployment, or housing, or productive capacity. Our real problem is man made. Self induced. We have borrowed from the banks for many decades. Banks use fractional reserve banking and they legally counterfeit money. This new money inflates the prices and salaries. Now our entire money supply is created by the banks like this and it is N. But we promised to pay back N+I, I is the interest.

      I hope it is obvious to you that entire population cannot possibly be employed with salaries that makes it possible to earn N+I. Thus, bankruptcies, foreclosures are a guaranteed part of this debt based monetary system.

    • -1′

    • 1

    • *******

      It’s a Little off Topic but Anyone Looking for a Job Should Check Out this Website!

      They are Hiring People to Work from Home for $67/hour


      This Job Program has saved Our Whole Family from the Recession!

      And I Can Work from Home with my Kids !


    • My view is: the required reientmert amount (CASH, not including asset like houses) will depend on the age who this person (single) or couple want to retire (could be any age). Some assumption have to be made. Assumption are: 1) All loans are fully paid ie. Housing, education. No more dependent allowances and expenses to worry about. It will be difficult to talk about reientmert if loans/debt are not cleared.2) Inflation: average 2% annum3) Optimistic Investment return: 4% annum (ie. SGS bonds)4) Assuming a person life span of 80 years old.5) Assuming CPF RA minimum amount reached – S$117,000. Retirement age at ie. 50years oldA) For Single – $600K CASH$600K at 4% – $24K passive incomeB) For retired couple -$900K CASH$900K at 4% – $36K passive income[Left over from passive income to be re-invested to SGS bonds][Remember that at 65years old, CPF RA will be able to be utilised]Retirement age at ie. 60years oldA) For Single – $500K CASH$500K at 4% – $20K passive incomeB) For retired couple – $700K CASH$700K at 4% – $28K passive income[Left over from passive income to be re-invested to SGS bonds][Remember that at 65years old, CPF RA will be able to be utilised]

    • I know a lot about this topic so please foirvge the length of this reply. I have a lot of good info for you. I am a mother of two little girls who are actually tugging on my arm as I write this so I will try to be brief. Many people are looking for work from home companies. All the scams definitely create a big problem but also, there is a problem of people misunderstanding the difference between work from home jobs and work from home opportunities. There really are not work from home e2€œjobse2€9d. To get that you have to start working for a company in their offices first, then they MAY allow you to take the job home.Most of the work from home opportunities that are legitimate offers are not an hourly pay type job. They are business opportunities that help you in starting your own business from your home.What you should do first is to decide if you are simply looking for an hourly rate type job or if you are looking for more of an opportunity for additional income such as what you would make in your own business being your own boss from home. Many say a JOB stands for Just Over Broker and I have found that to be true as well. I never got anywhere working for others. Small home businesses have some small costs involved, less then $100 to start is reasonable and I would stay away from those wanting $300, $500 even some asking for $1000-$5000. It doesne2€™t cost that much to start and run a home business so you shouldne2€™t pay it. The real ones will have a small monthly overhead as well. Should be around $50 a month but no more then $75. And everything should be included from your web sites to training and team support to back office accounting and booking. Ite2€™s ok to pay this overhead because ite2€™s a business, they cost money. Ite2€™s not reasonable to assume you can run a business from home with a website and more for free so do keep that in mind as you search. If you are coming across places that say free then I would RUN done2€™t walk the other way! They never are. I tried them many a times and 3 weeks later I had to buy this and 6 weeks later that. After 6 months these e2€œfree businessese2€9d had cost me over $800 on average.Ie2€™m a stay at home mom of two little girls as I mentioned, ages 1 and 3. I work about 15-18 hours per week for a National Medical Benefits Company. This is a home business, a nationally known and reputable home business which is what you need to make sure you are looking for. I have been with the company almost a year now and I make over $2000 a month! In your first month, depending on how many hours you can work, I have seen people make anywhere from $300 to over $3000. And your income will increase each month because we get paid residual income as well. If I continue on as I am going at the end of the year I will be making $5000 a month. My friend Becky from South Carolina started 2 years before me and she is now making $95,000 a year with this company.The best part is they have 401(k), direct deposit, life insurance and a benefits package most of which you get from day one. In addition, there are no products, no hard selling or pushing, no cold calling, no home parties and no telemarketing! That was VERY important to me.I absolutely love working with them and I can’t believe I am making what I am making and in so few hours per week. The neat thing is there are other people on your team that you work with so you are never alone. You have great team support and you get to know the other people on your team pretty well. The support is great but I have made wonderful friends as well. I think thate2€™s important too, especially being at home!I was a bit apprehensive at first because I know a lot of companies are not legit but this company is the number one National Medical Benefits Company in the US. They are a member of the US Chamber of Commerce, and the National Association of Dental Plans and the owner of the company actually sits on the board of The Consumer Health Alliance to which we are also members. Also they were featured in e2€œThe New York Timese2€9d, e2€œWall Street Journale2€9d e2€œTime Magazinee2€9d and the e2€œAmerican Medical Reviewe2€9d. Even e2€œ60 Minutese2€9d with Morley Safer did a big special on this home based business.Even more then all this is they are accepted at over 100,000 retailers nation wide. These are fortune 500 companies like Sears, Target, Walgreens, CVS, Wal-mart, Publix and more. These companies would never work with a company that was any thing less then reputable. That made me feel very good about working with them knowing they were accepted at these stores that I frequent. Also now of course being with them I get the dental and vision benefits for free and I saved over $150 on my last visit to the dentist! Thate2€™s just a beautiful perk! : – ) When I first started I just felt very safe with them, that and my friend was already making so much money with Ameriplan. But at this point I feel a sense of security financially that our family has never had before. That plus LOVING what you do? What could be better? Check them out! Just type in in your web browser.-AmyThis answer has been chosen as a e2€œBest Answere2€9d more then 14 times!

    • By WebOsPublisher

      Pimp-My-Profile.com provides thousands of layouts,backgrounds & codes for Myspace,Twitter,YouTube and many other sites
      Girly Love Icon Collage Facebook Timeline Cover Backgrounds – Pimp-My-Profile.com
      googletag.defineSlot(‘/1013158/PMP_ADSENSE_TOPLEFT_300x250′, [300, 250], ‘div-gpt-ad-1334951953461-0′).addService(googletag.pubads());
      googletag.defineSlot(‘/1013158/PMP_BOTTOMLEFT_300x250′, [300, 250], ‘div-gpt-ad-1334951953461-1′).addService(googletag.pubads());
      googletag.defineSlot(‘/1013158/PMP_BOTTOMRIGHT_300x250′, [300, 250], ‘div-gpt-ad-1334951953461-2′).addService(googletag.pubads());
      googletag.defineSlot(‘/1013158/PMP_rightside_skyscraper’, [160, 600], ‘div-gpt-ad-1334951953461-3′).addService(googletag.pubads());
      googletag.defineSlot(‘/1013158/PMP_TOPRIGHT_300x250′, [300, 250], ‘div-gpt-ad-1334951953461-4′).addService(googletag.pubads());
      User/Email Password
      Forgot Password?
      What I Do Meme Generator
      Follow Us On
      Avoid the cold $ the crowds – Buy your Christmas gifts at Amazon.com
      HolidaysChristmas Stuff
      Funny Pictures
      Myspace Layouts
      Myspace Editor
      Myspace 2.0 Editor
      Myspace Graphics
      Banner Creator
      Myspace Generators
      Add Owner
      Timeline Covers
      Timeline Generator
      Meme Generator
      Funny Pictures
      Our Facebook
      Facebook Covers
      Christmas Newest Popular Top Rated Most Rated Animals Anime Artistic & Abstract Automotive Basic Colors Cartoons Causes Celebrities Clean & Simple Dark & Dirty Emo & Goth Fantasy Flowers Games General Girly Holidays Love Movies & TV Music Nature & Scenic Regional Religious Retro Sexy Sports Stripes & Shapes
      Blogger Editor
      Blogger Templates
      Blogger Graphics
      Political Pictures
      Twitter Backgrounds
      Twitter Graphics
      Image Hosting
      YouTube Themes
      Video Search
      Tumblr Themes
      Tumblr Banners
      Tumblr Generator
      Tumblr Graphics
      our Tumblr
      Friendster Editor
      Friendster Layouts
      Friendster Graphics
      hi5 Editor
      hi5 Layouts
      hi5 Graphics
      TFS Profile Editor
      TFS Layouts
      TFS Graphics
      Main Menu
      Bookmark Us
      Flash Toys
      Add Us!
      on Tumblr
      on Twitter
      on Myspace
      on Facebook
      Visitors Map
      Funny Pictures
      Political Pictures
      Cute Pictures
      Shadow Text
      Your Site
      Check out our Christmas Stuff!
      Top Rated / Popular / Most Rated / Newest / Views / Custom Girly Love Icon Collage Facebook Timline Cover Background<<Prev Next>> Submitted By: mamel Use Image Popularity: 66Views Today: 5Date Added:2012-04-08 20:26:30Category: GirlyCurrent Rating:
      Profile Visitor Map
      Cute PicturesCute Pictures
      Batman dog
      Wet cat
      Boxing kittens
      Myspace Apps
      Hot Layouts
      How did you find Pimp My Profile? Word of Mouth Search Engine Banner Advertisement Magazine TV Book Pure luck!View Results Poll hosted at tadPoll.ws
      Pimp-My-Profile.com is in no way endorsed by or affiliated with myspace, hi5, blogger, friendster, twitter or any other site.
      Copyright © 2006-2012 Funky Llama Productions, LLC, its licensors and contributors. All rights reserved.
      Legal Information |
      Privacy |
      Terms of Use |
      Contact |
      We no likey: monster energy, heineken
      Clustered by LiquidWeb


We welcome thoughtful comments from readers. Please comply with our guidelines. Our blogs do not require the use of your real name.