Spend, Save and Invest - Our Moral Hazard

On October 18, 2007 , Harvey Rosenblum wrote an op-ed piece in the Wall Street Journal titled “Fed Policy and Moral Hazard.” Mr. Rosenblum was aiming his thoughts toward the Federal Reserve and the “Bernanke put”, citing support for further fed easing in light of few signs of inflation.

Tucked inside his contribution to that day’s

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August 12th, 2010 | Tags: Inflation, invest, moral hazard, save, Saving, spend | Category: Economy, Lifestyle, Saving, Spending | Leave a comment

Rethinking Housing: The Meaning of Homeownership has Changed

The meaning of homeownership has changed.

Here is what it means to be sensible about buying a home:

You should save up at least a 20 percent down payment.
You should get a 30-year fixed-rate mortgage.
You should spend no more than 30 percent of your gross income on housing.
If you have student loans or credit-card debt as well

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August 11th, 2010 | Tags: appreciate, automatic, bonds, buy-or-rent, buying, consumer, costs, credit card, Debt, debt-to-income, decision, diverse, domestic, down payments, eggs in one basket, exchange-traded, financial, fixed-rate, home, homeowners, homeownership, homes, horizon, house, index funds, invest, investing, investment, Investments, job market, life, lifetime, live, money, mortgage, overseas, payment, plan, property, purchase, ratio, remodel, save, saved, Saving, savings, security, stocks, strategy, student loans | Category: Debt, Housing | Leave a comment

Household Spending and Saving Appears to be Finding the Happy Medium

While the Commerce Department released a report Friday morning showing another modest increase in personal income in April, the report unexpectedly showed that personal spending came in unchanged compared to the previous month.

The report showed that personal income increased by 0.4 percent in April, matching the upwardly revised increase seen in the previous month. Economists

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May 28th, 2010 | Tags: Debt, finances, Income, Saving, Spending, Taxes | Category: Economy, Income, Saving, Spending | Leave a comment

Saving and Investing – Keeping it Simple

Want the cleanest, simplest way to invest your savings?  Some people are hurt by not saving regularly, while others lose out by chasing the latest, greatest investment.

Paul Sullivan, New York Times columnist, shares with us strategies for saving that employ simplicity. Paul Sullivan:

For the wealthy, index funds have an image problem. They are considered

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February 10th, 2010 | Tags: investing, Saving | Category: Investments, Saving | Leave a comment

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