Personal Finance

Read original commentary covering a range of topics designed to improve your financial decision making.

DCF Model – Discounted Cash Flow Analysis

By conducting a discounted cash flow analysis (DCF), an investor can determine how much an investment is worth. A DCF can be used to evaluate a specific project, value shares of a publicly traded company, or invest in a privately owned enterprise.

Life Insurance as an Investment

We are often asked by our readers if life insurance is an investment? The short answer is – YES, it is. It is hard to argue with the tax advantages associated with life insurance benefits. Life insurance policies can build up cash values tax deferred and then pay them out tax free. If an investor’s intention is wealth transfer, then perm life policy may make sense for tax and estate planning purposes.

JUMP$TART – Financial Smarts for Students

The mission of Jump$tart is to advance youth financial literacy and support financial education. We encourage you to sign-up for our monthly newsletter on Substack, which donates 10% of profits to this organization.

IRA to Roth Conversion – So, What’s the Big Deal?

Put your money into a traditional IRA, then convert your contributed funds into a Roth IRA. You’ll pay taxes on this. But that’s it. You’re done. Even though you did not qualify to contribute to a Roth, you get to make a contribution any way.

How To Buy a House With No Money

The growing costs of purchasing a home seems to be skyrocketing recently. Home prices at the beginning of January 2021 were up more than 14 percent over the same month the previous year. Demand for existing homes is so strong that the average residence is on the market for less than three weeks.

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