Invest and Prosper: Goals & Discipline


In mounting an imperative challenge, it is essential that realistic long-term targets be set according to individual aspirations, time horizons, risk tolerances, tax brackets and comfort zones. It’s like embarking on a long highway journey in which there could well be many bumps and detours – maybe even the occasional flat tire or accident – along the way before arriving safely at one’s destination.


Investment goals can vary according to individual lifestyle preferences, estate plans and designated beneficiaries and charities. In addition, they can change as economic and market conditions change and/or as we change; for example, from needing current income to finance a growing family to focusing increasingly on the accumulation of latter-year savings for those ever-lengthening years in retirement.


If there is a single constant in a multi-changing and ever-challenging process it is the importance of building wealth according to a customized and well-constructed investment plan without having to risk precious (and hard-won) savings beyond affordable limits. It follows that successful investing must be a systematic long-term affair in which en passant volatility, distractions and temptations are rigidly subordinated to a

Too Late for Gold?


I was 13 when India was in crisis. It had borrowed too much money in dollars and was desperate to pay it back.

India needed dollars badly. So the government came up with a scheme to get it from people like my father who were earning money in petrodollars.

The Middle East was booming, and thousands of Indian people had followed my dad’s example and gotten jobs in Dubai and places like it. They were benefiting from the fast-growing economy there.

Dubai’s currency is easily exchanged into dollars, and India was desperate to lure my father and others like him into lending those dollars to the government.

To do this, India offered my father a once-in-a-lifetime deal: Lend your dollars to India, and get 18% interest per year tax-free for 30 years. To sweeten the deal, the government set it up so you could get your money back in dollars after a couple of years if you wanted – or keep earning 18% tax-free for 30 years.

Eighteen percent is an astonishingly high rate of return. You’d be lucky to get that from stocks or risky

Best Investment Advice: Be Careful With The Financial Media

When it comes to making investment decisions, the “talking heads” on television financial shows really don’t know much more than you do if any more than you do.

They do have more immediate ongoing research and information delivery in the background, but much of the time they’re parroting dialogue via their earpiece.

Here is what you really need to know.

The only reliable talking heads were the Talking Heads, an American rock band formed in 1975 in New York City and active until 1991, composed of David Byrne, Chris Frantz, Tina Weymouth, and Jerry Harrison.

Given raw data from a corporate balance sheet, income statement, or more comprehensive 10K, many of the media journalists couldn’t do a good job of evaluating a company. It’s possible the Talking Heads could do as well.

This sounds like I’m knocking the media pundits, but I’m not. They’re doing a job and following a script prepared in producer/director staff meetings. But, I am saying buyer beware when it comes to making stock share purchase decisions based upon anything heard on cable business shows.

A personal case in point involves Annaly Capital (NYSE: NLY). Annaly is a mortgage real estate investment trust – REIT – that owns a portfolio of

Is Gold a Belief or Faith?

Most of us are passionate about investing or saving in gold. We feel good and secure when we accumulate private holding of bars and coins over time as part of our investments or savings.

On the contrary, we are restless and concerned about how much our holding worth in a particular currency, mainly the US Dollar. We spoil our joy of owning gold by watching gold prices day and night. We become alarmed whenever prices drop and hysterical whenever prices skyrocket. We accidentally put ourselves in an unpleasant form of living.

In this article, we will try to analyze our attitudes towards gold, shed some light on reasons behind our actions, and find suitable means to deal with changing markets.

We start our journey with the question “why are you somehow interested in possessing this yellow metal?”

You may say “for ages, gold proved to be the real money, and symbolizes the safe heaven investment”, or you may answer “I feel safe and secure when having a private holding of gold”, but what are the real drivers.

In old times and over thousands of years, we had used gold in the form of coins to exchange monetary value for goods and services. Over time,

The Options Scenario for Hedge Funds

Hedge funds continue to be one of the most dynamic users of both exchange-traded and OTC options, especially in the US, but certain managers could still not be using the opportunity that these instruments can provide them.

Equity-based investment strategies manage hedge funds, which account for a large portion of the equity options market. Several funds focus on the liquid US equity markets and use single stock options, ETF and index options to hedge risk.

Types of Option-Based Strategy


Covered put or call options have always been a feature for the long/short equity manager, especially in markets where there is an extensive availability of single-name contracts.

For e.g., in Asia, the choice of single name options is extremely restricted, managers are still dependent on OTC contracts or basic volatility strategies.

The equity hedge fund could use index based puts and calls to economically hedge upside or downside exposure. Managers have been able to concurrently profit from both long and short positions using options. But, it is hard to accomplish constant returns on the short side during an upward-trending market as call selling is not a ‘set and forget’ strategy.

There are extremely sophisticated defensive strategies that regularly make use of options such as hedging

Saving Money on Healthcare Costs in Retirement


Healthcare expenses in retirement is a growing concern for retirees. The increasing costs of healthcare and the inflation factor that goes along with it creates a growing need for advanced planning related to preparing for these costs. Currently Medicare Part B inflation is running around 8% and Part D around 7%.

Healthcare and Medicare expenses are one of the largest expenses – even larger than recreation and housing costs combined. Consumers are often confused when it comes to what is the proper amount to plan for on the “Medical Expenses” line item on their household budgets. Many do not realize that an individual’s Medicare premiums are affected by one’s annual income. Understanding one’s MAGI (Modified Adjusted Gross Income) and implementing strategies to plan around certain income thresholds can positively affect healthcare expenses in retirement.

Here’s an example – a married couple who moves their tax bracket one threshold lower can save $70,000 over their lifetime. How can planning make that happen?

Non-qualified annuities, Health Savings Accounts, Permanent Life Insurance, Reverse Mortgages, ROTH IRAs, are all ways to reduce one’s taxable income. Required Minimum Distributions

Is a Monthly Income Bond Worth Paying For Every Month?

Most investment plans pay either annually or bi-annually. Stock gives you the earnings quarterly, but there is a lot of risk when investing in the stock market. Therefore, this bond has been introduced to help you build a portfolio which can pay dividends every month. This investment product can ensure you have a reliable income after retirement to help pay your living expenses.

When you invest your lump sum in a monthly investment plan, then the bond issuer gives you the coupon payment (interest amount) monthly on the investment, however, the interest is calculated daily.

There are several benefits over other types of investment which are listed below, if you invest your savings in a Monthly Income Bond:

Lucrative & Less Risky:

This type of bond is labeled with good monthly returns and is also less prone to risk. These are the reasons that make this product a lucrative deal for investors. Your capital amount is safe and the interest amount will transfer into your account every month. However, the amount of interest may vary with inflation, but won’t stop the monthly payments.

Tax Exempted:

Investors can build a good portfolio investing their money in this type of bond. The interest amount is paid tax-free,