Can Your Mutual Funds Beat the Stock Market?

mutual funds beat the stock market

Mutual Funds absolutely soared last year. I mean c’mon, take a look at the growth on these funds:

Fidelity Select Technology Portfolio, +49.86% Putnam Global Technology Fund, +47.04% VanEck Emerging Market Fund Class Y, +50.32%

Isn’t that just insane??!!

The overall S&P 500 (an index of the top 500 companies in America) had a record year too, but it “only” increased by 20%.

So the analysis is simple, right? “Can your mutual funds beat the stock market?” Well of course! There are three mutual funds listed above that killed the S&P! Buuuuut, not so fast. Just because these 3 mutual funds beat the market doesn’t mean that you can pick which ones will be winners before the year begins. No one has a crystal ball – not even the professionals can accurately predict which mutual funds will beat the market year in and year out.

So is it even possible? . . . → Read More: Can Your Mutual Funds Beat the Stock Market?

How to Make the Most of Your Minutes This Year

make the most of your minutes this year

Have you ever raced to empty your dishwasher before your mug of coffee finished warming up in the microwave? Or organized your cleaning supplies while you waited the last minute for the washing machine to kick off?

Then you already know that things can be accomplished in small chunks of time.

Today, I don’t want to convince you to anxiously spend every moment of your time working, organizing, and planning. But I do want to show you the good that can happen if you promise to make the most of your minutes and dedicate them toward your biggest goals every.single.day.

How to Make The Most of Your Minutes This Year

This is a post from our staff writer, Jamie Jeffers.

What Is Your Biggest Dream?

Some of us know our biggest life goal, and we could sing it from the rooftops.

Others are afraid of the enormity of that dream. . . . → Read More: How to Make the Most of Your Minutes This Year

Kid’s College or Retirement? What Should You Be Saving For??

college or retirement

College is expensive, and retirement seems so far away for many people. So for many families, guess what they do? Do they save for their children’s college of retirement? Often times…they choose to save for college. But is that the wisest choice? Should you save for college or retirement?

The Kid’s College or Retirement? What Should You Save For?

This post has been written by our talented staff writer, Kimberly Studdard.

First things first, when trying to decide on if you should save for college or retirement, you need to have the answer to two specific questions.

Do you have an age in mind for when you want to retire? Do you plan on paying for your child’s entire college education?

When deciding on whether you will pay for college or retirement, your lifestyle is going to be the main factor. Everyone’s life choices are different, so deciding up . . . → Read More: Kid’s College or Retirement? What Should You Be Saving For??

9 Ways to Make Retiring Extremely Early Possible

retiring extremely early

Retirement dreams… yeah right. These euphoric plans of the future often fizzle, fade, or just turn into an impossibility. Old age, cancer, disabilities – all these perils are killing our ability to retire the way we had always dreamed of. It’s becoming an undeniable reality for many…but it doesn’t have to be.

As I see it, rather than waiting till we’re 65 years old (and hopefully still in good health) to retire, we’ve got two other options: We can live life to the fullest today, cramming in as much fun as possible in between our working hours, or We can work our butts off today to retire extremely early tomorrow

In my opinion, both of these options beat the pants off of the “wait-till-we’re-65-to-live-life” plan. And in this post, I’d like to focus on Option #2 – working hard today to retire extremely early tomorrow.

9 Ways to Make Retiring . . . → Read More: 9 Ways to Make Retiring Extremely Early Possible

Want to Start a Blog in 2018? Here’s How You Do It For Practically Nothing

Make Your Blog Looks Awesome

Did you realize that you can start a blog for just $1.99 a month? That’s just $24 for your entire first year of blogging. If you had even the slightest twinge of an idea that you wanted to start a blog in 2018, now’s the time to get started.

Get Started Now With iPage and Get a Free Domain!

Want to Start a Blog in 2018? Here’s How You Do It

This post may contain affiliate links.

Twenty-four dollars? Really? That’s the cost of a McDonald’s dinner for your family, or the cost of a few cheap pizzas from Papa Johns! For just $24, you could be starting your dream business.

Head to iPage’s site and check it out! It’s for real! Just $1.99 a month!

Imagine the Feeling

Imagine what life could be like just a few years from now:

*click*

With another simple click of the mouse, you’ve . . . → Read More: Want to Start a Blog in 2018? Here’s How You Do It For Practically Nothing

Your New Year’s Resolution Should Be Learning the Art of Debt Management

debt can make you sick

The holidays are over and January brings the promise of a new year and a “new me” for many. Having overindulged, overspent and kicked back in style, coming back down to earth is the next course for almost everyone.

Learning the Art of Debt Management

As gyms all over the US enjoy an annual peak in new subscriptions from many with good intentions intent on shedding some festive pounds, many of the regular clientele are dreading the busier environment. The reason for such resentment among the established crowd is that they are putting in the work all year round and dismiss the guys who turn up according to New Year resolutions which generally burn out sometime around early February.

Related: How the Debt Snowball Really Works (Free Tool Included For YOUR Debt Snowball!!)

Debt – It Can Be Controlled

So what does this teach us about debt? Well, not everyone . . . → Read More: Your New Year’s Resolution Should Be Learning the Art of Debt Management

27 Ways My Readers (actual people!) Earn Extra Money

earn extra money yoga

Want to earn extra money? Give skydiving lessons. Enter a 25k run and win. Tutor kids in calculus… If you didn’t catch the sarcasm, then you must be an incredibly athletic, semi-genius type of person…or you’re just completely gullible and believe everything you read on the internet…

For the rest of us, these ways of earning money are absolutely ludicrous…and that’s how a lot of these types of articles feel, don’t they? The title might be something like, “87 Great Ways to Make More Money”, and when you count up the things you are actually qualified to do, your selection plummets to like, 3…which means that article wasn’t nearly as helpful as it boasted itself to be.

27 Ways My Readers (actual people!) Earn Extra Money

So I decided to do something a little different. Instead of just writing an article myself with all my hair-brained ideas (that may or . . . → Read More: 27 Ways My Readers (actual people!) Earn Extra Money

How a Criminal Conviction Can Impact Your Finances

impact your finances

A holiday celebration, a friend’s birthday party, or just a casual night out with the boys or girls could end up costing you more than you bargained for…Especially if you get pulled over, charged, and convicted of driving under the influence. This time of year, can be especially critical, because the days are shorter and winter weather can bring with it hazardous driving conditions that can only increase the risk of a car accident.

How a Criminal Conviction Can Impact Your Finances

The national average cost associated with a DUI arrest and conviction has actually gone up in recent years. While the national average of a DUI hovers right around $10,000, it can also be significantly more, depending on where you live and several other factors, according to onedui.com. And, just for starters, not only is a DUI an embarrassing ordeal, but it can literally wreck your finances, not to . . . → Read More: How a Criminal Conviction Can Impact Your Finances

10 Ways to Get the Cheapest Rates on Car Insurance

get the cheapest rates on car insurance

According to ValuePenguin.com, the average cost of auto insurance in Michigan is $213 a month. That sucks. Good thing I figured out a way to pay just $46. 😉

“Alright, Derek. You’re telling me that you pay less than 1/4 of the average on your car insurance??”

Yup, that’s exactly what I’m telling you.

“Well how in the heck do you do that???!!”

I’m glad you asked… 🙂

10 Ways to Get the Cheapest Rates on Car Insurance

In many ways, Michigan is a great place to live.

Houses are cheap, Summers are gorgeous, and One can make a pretty decent income

But….car insurance is fricken expensive, and it’s caused me to be uber sensitive to how the whole operation works (and how to ultimately get the cheapest rates on car insurance).

If you want to pay wayyyy less in car insurance, then I suggest you . . . → Read More: 10 Ways to Get the Cheapest Rates on Car Insurance

Estate Planning After a Divorce

estate planning after a divorce

A divorce can have many consequences and set you back with emotional turmoil for a period of time. It’s also time for some reflection on how to move forward in the most positive light possible. Many actually view it as wiping the slate clean (I did). One of the most important personal matters that shouldn’t be overlooked or avoided for very long after a divorce is updating your will, powers of attorney, and other estate planning devices. Hopefully, you’ll have had the assistance of a good divorce attorney to help advise you on the matters of dividing your assets, so that you are not taken to the cleaners.

Estate Planning After a Divorce

At the very least, your estate plan sits untouched and becomes increasingly outdated over time. At the very worst, you could die accidentally without having ever updated your estate plan. There’s several reasons why this could be . . . → Read More: Estate Planning After a Divorce