Time to Refinance Your Mortgage?

“Given the large percentage [of Americans] who never refinance, it’s really important for them to step back and determine whether there’s an opportunity for them to get this big benefit that’s potentially out there,” – Steve Deggendorf, Fannie Mae

Your Weekly Reminder of the Greatness of John Bogle & Vanguard

“It is high time for costs to be recognized as a crucial factor in determining the future returns that funds earn.” – John Bogle These are the Vanguard fund performance results against their peer group by category through December 31, 2013 over various time frames: You can see that Vanguard funds outperform the majority of…

How Spending Money Affects Happiness

“The business of life is the acquisition of memories. In the end, that’s all there is.” – Mr. Carson, Downton Abbey Money can’t buy happiness, but it can make you happier up to a certain point. By now most people have seen the studies that suggest $75,000 a year is the income threshold for happiness….

Yes, Size Matters

“Anyone who says that size does not hurt investment performance is selling. The highest rates of return I’ve ever achieved were in the 1950s. I killed the Dow. You ought to see the numbers. But I was investing peanuts then. It’s a huge structural advantage not to have a lot of money.” – Warren Buffett Yes, size…

Putting Emerging Market Stock Losses Into Perspective

“Volatility can be a good thing for investors; be prepared to benefit from it. […] Political uncertainty – like any other form of uncertainty – can be your green light to move into a market.” – Mark Mobius Emerging Markets have been getting all of the financial headlines lately. Currency issues and political instability have…