Tag Archives: personal finance

HBCU Money™ Business Book Feature – The Little Book of Common Sense Investing


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Investing is all about common sense. Owning a diversified portfolio of stocks and holding it for the long term is a winner’s game. Trying to beat the stock market is theoretically a zero-sum game (for every winner, there must be a loser), but after the substantial costs of investing are deducted, it becomes a loser’s game. Common sense tells us—and history confirms—that the simplest and most efficient investment strategy is to buy and hold all of the nation’s publicly held businesses at very low cost. The classic index fund that owns this market portfolio is the only investment that guarantees you with your fair share of stock market returns.

To learn how to make index investing work for you, there’s no better mentor than legendary mutual fund industry veteran John C. Bogle. Over the course of his long career, Bogle—founder of the Vanguard Group and creator of the world’s first index mutual fund—has relied primarily on index investing to help Vanguard’s clients build substantial wealth. Now, with The Little Book of Common Sense Investing, he wants to help you do the same.

Filled with in-depth insights and practical advice, The Little Book of Common Sense Investing will show you how to incorporate this proven investment strategy into your portfolio. It will also change the very way you think about investing. Successful investing is not easy. (It requires discipline and patience.) But it is simple. For it’s all about common sense.

With The Little Book of Common Sense Investing as your guide, you’ll discover how to make investing a winner’s game:

  • Why business reality—dividend yields and earnings growth—is more important than market expectations
  • How to overcome the powerful impact of investment costs, taxes, and inflation
  • How the magic of compounding returns is overwhelmed by the tyranny of compounding costs
  • What expert investors and brilliant academics—from Warren Buffett and Benjamin Graham to Paul Samuelson and Burton Malkiel—have to say about index investing
  • And much more

You’ll also find warnings about investment fads and fashions, including the recent stampede into exchange traded funds and the rise of indexing gimmickry. The real formula for investment success is to own the entire market, while significantly minimizing the costs of financial intermediation. That’s what index investing is all about. And that’s what this book is all about.

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HBCU Money™ Dozen 12/29 – 1/2


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Did you miss HBCU Money™ Dozen via Twitter? No worry. We are now putting them on the site for you to visit at your leisure. We have made some changes here at HBCU Money™ Dozen. We are now solely focused on research and central bank articles from the previous week.

Research

White House Plans to Leave IT in Better Shape Than it Found it l CIOonline trib.al/55bVGdO

Two researchers endure darkness for months on a hovercraft floating on Arctic ice l New Scientist ow.ly/GFAiZ

Affordable Flow Battery Technology Reportedly Being Developed By Vinazene l Clean Technica dlvr.it/7zS8H1

China Extending Low-To-No-Emissions Vehicle Subsidies To 2020 l Clean Technica dlvr.it/7zQyB6

Why 2015 will be the year of the Apple l Network World ow.ly/GFAFz

Financing faster, cheaper green infrastructure l EPA Research 1.usa.gov/1vsMZLI

Federal Reserve, Central Banks, & Financial Departments

Need help with your resolution to improve your finances? Check out our free resources l St. Louis Fed bit.ly/1wCoqvZ

What are 2015’s key global trends? Outlook on the Global Agenda l World Economic Forum wef.ch/1Adwyt9

How financially literate are women? l Bureau Economic Research ow.ly/GFBy9

Who is the world’s largest investor in clean energy? Read the surprising answer l World Economic Forum wef.ch/1JXq5GR

The relatively subdued wage growth for low- and middle-skill workers l Atlanta Fed goo.gl/uSdKyM

Global Aging: More Headwinds for U.S. Stocks? l SF Fed http://bit.ly/1AeCSkb

Thank you as always for joining us on Saturday for HBCU Money™ Dozen. The 12 most important research and finance articles of the week.

HBCU Money™ Business Book Feature – The New Coffeehouse Investor: How to Build Wealth & Ignore Wall Street


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In 1998, Bill Schultheis wrote a simple investment book for people who felt overwhelmed by the bull market. He had discovered that when you simplify your investment decisions, you end up getting better returns. As a bonus, you gain more time for family, friends, and other pursuits.

A decade later, through good times and bad, this philosophy has been proven to tower above the daily chatter of Wall Street. And the revised and expanded edition of his book is more valuable than ever.

In a conversational style, Schultheis explains why we should stop thinking about cool stocks, hot mutual funds, trends in interest rates, and predictions for the economy. Stop trying to beat the stock market average; just remember three simple principles:

• Don’t put all your eggs in one basket
• There’s no such thing as a free lunch
• Save for a rainy day

The New Coffeehouse Investor will help readers get their finances in shape quickly and painlessly.

HBCU Money™ Dozen 11/24 – 11/28


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Did you miss HBCU Money™ Dozen via Twitter? No worry. We are now putting them on the site for you to visit at your leisure. We have made some changes here at HBCU Money™ Dozen. We are now solely focused on research and central bank articles from the previous week.

Research

The Konik: a little-known breed of horse equine l KY Equine Research ow.ly/F3FPC

Research addressing environmental concerns that impact tribal health/well-being l EPA Research ow.ly/F3FRP

Advanced drinking water treatment tech, water infrastructure, sensors l EPA Research ow.ly/F3FUn

Bloomberg Explores The Connected Home l Clean Technica dlvr.it/7g3gjH

BlackBerry’s deal to buy voice crypto company Secusmart blessed by German government l CIOonline trib.al/wpnQyiW

5 Ways PCI is Becoming More Security-Conscious Next Year l CIOonline trib.al/5xcpmaR

Federal Reserve, Central Banks, & Financial Departments

Does free food make for a happier office? l World Economic Forum wef.ch/1vXyIwk

$200bn of fake medicines are sold every year. An African entrepreneur fights back l World Economic Forum wef.ch/1Bef8it

Buying power of minimum wage varies across and within states l St. Louis Fed bit.ly/1zu7lez

Trying to get your personal finances in order? Start with these lessons on the basics l St. Louis Fed bit.ly/ViVxYQ

Household Debt Balances Increase as Deleveraging Period Concludes l NY Fed nyfed.org/1y97tNz

Despite Apple Pay buzz, cash is still popular l SF Fed bit.ly/1zviiJj

Thank you as always for joining us on Saturday for HBCU Money™ Dozen. The 12 most important research and finance articles of the week.

HBCU Money™ Dozen 10/6 – 10/10


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Did you miss HBCU Money™ Dozen via Twitter? No worry. We are now putting them on the site for you to visit at your leisure. We have made some changes here at HBCU Money™ Dozen. We are now solely focused on research and central bank articles from the previous week.

Research

Hard drives can be wiped. DVDs degrade. So do like Superman and save memories in glass shards l New Scientist http://ow.ly/Cw4J3

Hidden gems: 10 Python tools too good to overlook l Infoworld http://ow.ly/Cw4Ud

Lameness is most common problem in endurance riding l KY Equine Research http://ow.ly/Cw53o

200-Mile Electric Car Confirmed By GM l Clean Technica http://dlvr.it/78d3W6

Teach Kids the Triple R’s (of review, refresh and remind) – a mantra as part of their asthma plan l US EPA http://ow.ly/Cw5uQ

An inside look at Russian cybercriminals l CSOonlinehttp://ow.ly/Cw5Jy

Federal Reserve, Central Banks, & Financial Departments

Students in our Keys program gain over 60% in their personal finance knowledge l Philly Fed http://ow.ly/Cw5Xx

Cost to rent rising faster than home prices l Housing Wire http://hwi.re/78dVVw

Wells Fargo reaches $5M settlement over maternity discrimination l Housing Wire http://hwi.re/78ZzY8

What can we learn from the grassroots fight against Ebola? l World Economic Forum http://wef.ch/1w1dAkL

How real is the African growth miracle? l World Economic Forum http://wef.ch/1w0PIhi

Should we be concerned about the economic impact of immigration on native U.S. labor? l St. Louis Fed http://bit.ly/1rQbcyn

Thank you as always for joining us on Saturday for HBCU Money™ Dozen. The 12 most important research and finance articles of the week.