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Investing for Your Future, Investing 2018

Updated on February 6, 2018

Investing your time to learn

We all spend time investing time into our relationships, our jobs, our hobbies - so why not spend time (and money) investing in our financial future? The ideas and tools I will be sharing with you will hopefully encourage you to make investing, or at the very least reading about investing, a hobby. Reading about money, finances, banking, and investing is one of my biggest passions and hobbies. If you start with the basics, then you might find this topic interesting as well.

It is not how much you save, but the disciplined approach you take.

The Basics

Learning about investing seems so daunting to some. Since I have been around business-minded people my entire life, I find investing interesting and intriguing. However, some of my friends tell me it is daunting, and it is not interesting, and quite frankly, boring.

So I am going to focus on the basics to get you started, and hopefully you will be stimulated and excited to learn, and find this interesting too.

Here are my favorites websites

First of all, I recommend that you spend 10 minutes a day reading articles and websites on banking and investing.

Here are a few I recommend to get you started! Calculators Calculators

Recommended Website on Banking Rates This site provides CD rates and mortgage loan rate quotes for home loans, mortgages, home equity loan, auto loans, and the best CD rates.

I check this site frequently for mortgage rates and CD rates, and then I know if my bank is offering me a good deal or not. I recommend this site for the mortgage calculator, what I will earn in a CD (enter a length of time and a rate), and some of the articles are interesting to read. For better articles on banking and investing, I recommend Yahoo Finance.

Recommended Websites on Finance

Yahoo Finance I have been using this site the longest, and like the clean, simple layout.

Yahoo Finance
Yahoo Finance

As you can see in the image, when you start to type in the company name, all companies will appear that are related to that phrase (ie, I typed in "Sun", and 9 companies popped up, then you select your company - very simple). You can track any stocks and mutual funds you want to follow.

Yahoo Finance - Banking and Budgeting
Yahoo Finance - Banking and Budgeting

The articles are so helpful, and great to get you started, such as "Love Your Money and It Will Love You Back" and "Eight Sure-Fire Ways to Save Money" and "Fifteen Smart Money Moves for Tough Times". Yahoo Finance truly speaks to the novice or average investor.

Google Finance Ths site offers a broad range of information about stocks, mutual funds, public and private companies.

If you are strictly a Googler, then by all means, use this site. Google Finance focuses on stock and mutual funds prices, and related company articles.

Savings 101

Savings accounts are the best way to get started, and are liquid at any time. Even $20/week will equal $1040/year and if you do that consistently for 5 years, you will have $5,200, not so shabby.

With compounding interest at 3%:

  • Year 1 - $1,020 becomes $1050
  • Year 2 - $1,050.60 becomes $1,082
  • Year 3 - $1,082 becomes $1,114
  • Year 4 - $1,114 becomes $1,148
  • Year 5 - $1,148 becomes $1,182

Now that is $162 more than you started with!

I recommend looking for high interest savings account, or MMSA (Money Market Savings Accounts). This is a practical way to save, and is FDIC insured. Many banks offer high-interest on line savings account, such as HSBC, which is offering 3.55% - which is actually high right now.

Last year at this time, HSBC's rate was 5.05%, but since the Fed lower the interest rate, all savings rates has decreased. Good for the borrowers, bad for the savers.

CDs - Certificates of deposits are excellent ways to lock your money up for a short or long period of time, and usually pays a higher interest rate than a savings account, but right now rates are lower too. However, if you can find a CD with a 3.5% rate (even for 6 months) versus the 1.5% you are earning in your savings account - go for it!

Mutual Funds

According to the U.S. Securities and Exchange Commission, a mutual fund is a professionally-managed firm of collective investments that pools money from many investors and invests it in stocks, bonds, short-term money market instruments, and/or other securities.

I highly recommend that you read the article, to get you started on overview and basics of mutual funds.

To start, go with a no-load (versus a fund with a sales charges or loads), like a Vanguard fund. You can call Vanguard at 877-662-7447 and only if you have a very little to invest, they will help get you started. Some funds need a $1,000 or $3,000 initial investment, but if you have less than that, you can start with $500, and add $100 a month until you reach the minimum.

Investing for Retirement

401K - If you have a company sponsored 401k, save as much as you can until you reach the company's matching minimum. For example, if your company matches 2% of the first 10% you save, save 10% to get that FREE 2% (total savings: 12%).

401k Contribution Limit 2006: $15,000 2007: $15,500 2007: $15,500

Researched by Marlo
Researched by Marlo

No 401K - If you do not have a 401K (self employed, full-time mom, working part-time, company does not offer one), then I suggest you open a Roth IRA (Individual Retirement Account). You pay the taxes now (you buy the Roth IRA with after tax, take home money), and when you redeem the Roth IRA at the age 59-1/2, you pay no taxes on the earnings.

Vanguard can help get you started too!


I hope these basics helped you get excited about reading and researching savings methods and investments. If you have any questions or comments, please do not hesitate to post a comment.

Happy investing and saving!


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