http://net-teams.net/nti/Display.cfm/7945 The total amount of household debt in the US last year was more than 100% of disposable income. Rising education costs have created a vicious cycle for today's graduating students. The average college student carries a whopping 6 credit cards with a total balance over $2100. Consolidating your student loans can help to save you money. Fri, 06 Aug 2010 10:12:00 PST en-us http://net-teams.net/nti/Display.cfm/7945 http://net-teams.net/nti/Display.cfm/7945 Fri, 06 Aug 2010 10:12:00 PST I've come to the conclusion that the stock market is an easier medium for investors to understand (to form behavioral expectations about) than the fixed income market. As unlikely as this sounds, experience proves it, irrefutably. When dealing with income purpose securities neither investors nor their advisors are comfortable with any downward movement at all. http://net-teams.net/nti/Display.cfm/5776 http://net-teams.net/nti/Display.cfm/5776 Wed, 13 Nov 2013 07:56:38 PST The critical relationship between the two classes of securities in your portfolio, is this: the market value of your equity investments and that of your income purpose investments are totally, and completely unrelated. Each Market dances to it's own beat. Stocks are like heavy metal or Rap...impossible to predict. Bonds are more like the classics and old time rock-and-roll...much more predictable. http://net-teams.net/nti/Display.cfm/5777 http://net-teams.net/nti/Display.cfm/5777 Wed, 13 Nov 2013 08:01:56 PST Investing with a calendar year focus has no basis in the realities of finance, business, or economics... isn't it obvious that the Stock and Bond Markets are far more closely related to the Business Cycle than to the Earth's around the Sun? The Market Cycle Investment Management Account Program provides better guidance--- and results. http://net-teams.net/nti/Display.cfm/5869 http://net-teams.net/nti/Display.cfm/5869 Fri, 15 Feb 2013 08:14:42 PST Once again The Wizards attempted to debug the market cycle and create an upward only future for the masses. But the markets weren't broken, just the market shakers. Your portfolio could have been up in market value--- and not by just a little for the dismal decade. http://net-teams.net/nti/Display.cfm/5875 http://net-teams.net/nti/Display.cfm/5875 Wed, 18 Dec 2013 07:34:04 PST Hundreds of people responded to the last Income Investing survey, and all papers were corrected and returned. As a group, the class failed to pass the test of income investing competancy. Here's another chance. http://net-teams.net/nti/Display.cfm/6876 http://net-teams.net/nti/Display.cfm/6876 Thu, 07 Apr 2011 01:07:03 PST Keeping control of your money is one of the hardest lessons we have to learn as new college and university students. For many of us it is our first time away from home, and the first time we have to be truly responsible for all the financial affairs in our lives. Some get a handle on money matters faster than others. That's just the way she goes. But if you're not really all that sure where your money is going each month, here are a few things you may want to consider.I. ... http://net-teams.net/nti/Display.cfm/7113 http://net-teams.net/nti/Display.cfm/7113 Fri, 06 Aug 2010 09:07:58 PST When it comes to consolidating debt, the internet offers three very good options. When you want to choose between a consolidation loan, debt management, or debt settlement, it is important to have an understanding of each one so you can choose the option that is best for your needs. Many people confuse these three services, but each one brings unique aspects to the job of helping consumers pay off their debts.Debt Consolidation LoanA consolidation loan takes all of yo... http://net-teams.net/nti/Display.cfm/7144 http://net-teams.net/nti/Display.cfm/7144 Fri, 06 Aug 2010 09:46:03 PST Student Debt Consolidation is one of the most helpful tools that can help a student deal with their student loan debt related financial troubles. http://net-teams.net/nti/Display.cfm/7150 http://net-teams.net/nti/Display.cfm/7150 Fri, 06 Aug 2010 09:46:03 PST Student loan debt continues to rise each passing year, and college costs, including graduate school costs, have outpaced inflation while federal student loan interest rates are close to record lows. According to studies conducted by the National Center for Education Statistics, it is believed that approximately half of recent college graduates have student loans that, on an average, are in the range of $10,000. Along with such loans, the average cost of college is becoming tw... http://net-teams.net/nti/Display.cfm/7223 http://net-teams.net/nti/Display.cfm/7223 Fri, 06 Aug 2010 09:46:11 PST Debt consolidation is supposed to help you get free of debt. By combining a lot of smaller debts into one big loan you can pay the debt off with lower repayments. So how come a lot of people have the same debt load two years later? http://net-teams.net/nti/Display.cfm/7332 http://net-teams.net/nti/Display.cfm/7332 Fri, 06 Aug 2010 09:46:24 PST