A major part of being a successful investor is having the right asset allocation model for your risk tolerance and investing for the long term. If you are reading this post, chances are you have the wrong asset allocation model. How do I know this? Look at the questions below. If you answer yes to either of them, then you have the wrong asset allocation model. When the stock market crashes, you sell everything and run for the hills When an investment doesn’t perform as well as you … [Continue Reading...]
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Emperor Investments Review | Investing In Your Future Made Easy
Nowadays, there are a lot of options when it comes to investing your money. And having worked in the financial services industry for over 10 years, I’ve seen a lot of firms come and go. I also receive a lot of press releases about new firms and what makes them special or stand out from the rest. Sadly, the majority are just copy cats of other firms with everything in common. But Emperor Investments is different. Yes they are a robo-advisor, … [Continue Reading...]
The Proven Way For You To Become A Stock Market Millionaire
So you want to know how to become a stock market millionaire? It’s much easier than you think. Let me rephrase that, it takes a lot less work to become a stock market millionaire than you think. In fact, the most work you do is at the beginning of the process. Once you have your foundation laid, you can pretty much put things on auto-pilot. How great is that? If you take about an hour or two of your time now to lay the groundwork, you are … [Continue Reading...]
The Ultimate Guide To Finding The Best Online Broker
When it comes to investing, there is no one size fits all approach. This is a problem when you are trying to find the best online broker. Unfortunately no one can claim to be the best online broker for every investor. Some investors are young and only have a little money to invest. Others are seasoned and have a large amount of money to invest. Then there are active traders and buy and hold investors. As a result, trying to figure out the … [Continue Reading...]
Build Wealth
How To Quickly Earn Travel Rewards With Very Little Effort
Everybody loves the idea of free travel. What could be more exciting than jetting off to a luxurious destination with a plane ticket for which you only paid taxes and fees? Or staying in a hotel that you booked entirely with points and miles? It’s every traveler’s dream come true! But the best way to earn travel rewards is often with credit cards. That spells disaster for many would-be travelers who struggle with debt. Fortunately, there are … [Continue Reading...]
Worthy Bonds Review | Your Guide To Earning 5% On Your Money
You work hard for your money. Isn’t it annoying that you save what you can and you only earn peanuts on your money? Wouldn’t it be nice if there were a way that offered you a higher return and still be fairly safe? Thanks to Worthy Bonds, there is an option. Worthy Bonds offers you 5% return on your money when you invest with them. How are they able to offer this rate of return and how can you get started earning 5% on your money? In … [Continue Reading...]
Learn How To Negotiate A Job Offer | Your Ultimate Guide For Success
Did you know that if you took 105 minutes when accepting a job offer you could end up earning an additional $20,000 or more money over the next 10 years? It’s completely possible too. All you need to do is learn how to negotiate a job offer. I know, this might sound scary or intimidating to some of you reading this. But it isn’t. Companies actually expect you to negotiate your salary. This means they purposely offer you a starting salary … [Continue Reading...]
Achieve Your Goals
10 Critical Questions To Ask Yourself To Jumpstart Your Life
Are you at a point in life where you are in a funk? You just can’t seem to catch a break or take that next step to greater success and jumpstart your life? We’ve all been in a rut at one point or another in our lives. For me it came after college. The economy […]
20 Amazing Stress Busters To Calm You Down Instantly
You know the feeling. Your heart starts beating faster, you start getting hot, and you might even start to shake. Stress is rearing its ugly head again. Too many of us get stressed and don’t know what to do about it. Sadly, with stress having harmful effects on our health, it is more important than […]
25 Critical Things Successful People Do Every Day
Contrary to popular belief, success is not synonymous with luck. A person is not born successful. Perhaps we believe success is a genetic trait because usually a successful person will produce a successful offspring. Why is that? It is because successful people raise their kids to think the same way that they do, which is […]
Retire Well
3 Best Retirement Calculators To Achieve Your Dreams
Read any article about retirement planning and they will give you a number that you should use as your savings goal. While on the surface this is great to have, the reality is that it has nothing to do with your personal situation. What would be more beneficial to you is an easy retirement calculator that could help you determine exactly how much you need to save for a comfortable retirement. After all, you probably ask some of these … [Continue Reading...]
The Surprising Average 401k Plan Balance By Age
I’m a competitive person. I like to challenge myself to be the best I can be. And in many regards, I compare my progress with others. A few years ago, I compared myself to others in terms of how much I had saved for retirement. While it is natural to want to a benchmark for how much I should have saved for retirement by age, I realized there are a handful of problems going this route. Today I will talk about what the average 401k plan … [Continue Reading...]
How Much Money Do You Need For Retirement? Discover Your Answer Here
I have come across a handful of magazine articles answering the question, how much money do you need for retirement? Sadly, most people have absolutely no idea how much they will need in order to retire. They see the magazine headlines talking about $2 million dollars and think saving this amount of money is impossible. So they give up before they even start. Don’t do this. You don’t need $2 million for retirement. In many cases you need a … [Continue Reading...]
Thanks again for visiting Money Smart Guides. My goal for Money Smart Guides is simple: to help you become a master of your financial future. You do this by learning to overcome your debt, making smarter spending choices and start investing for your future. When you succeed, I succeed. By teaching you about personal finance, you can take the steps needed to secure your financial future. As always, if you have any questions or want help with any personal finance issue, please 
