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Winter, 2005
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| No
Negative Years by Richard Saint Laurent |
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Calculating the annual compounded return
over a period of years can restore a sense of reality. In order to
do realistic planning, it is important to understand that over a
period of years, gains of 10%, 20%, 30% or more are not typical and
greatly exceed long-term averages. Moreover, only one negative year
can really damage what appears to be a solid growth pattern.
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| How
to Reduce Your Mortgage |
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There's a simple trick to significantly
reduce the length of your mortgage and save you thousands of
dollars. The trick is to make one extra mortgage payment a year
and apply that payment toward your loan's principal.
This is the method being used by "Bi-Weekly
Mortgage Reduction Services" and "Bi-Weekly
Mortgage Savings Programs". Only, when you do it yourself,
you don't pay a third party unnecessary set-up costs and fees!
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| How
Does Asset Allocation Work? |
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“There are lies, damned lies, and statistics," the 19th
century British politician Benjamin Disraeli once remarked.
In spite of Disraeli’s apparent loathing, statistics have played a
vital role in developing modern portfolio investment theory. Indeed,
it was the comprehensive use of statistical analysis during World
War II that saved the Allies critical time and money in transporting
supplies to Europe and paved the way for the Normandy Invasion. |
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