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Marriage During the Great Depression

Yesterday I wrote about how I’m bracing my marriage for a depression. I also admitted that I’m afraid of what’s to come…but that I’m going to face that fear head on and find a way to make all this benefit my marriage. I’m still not entirely sure how I’m going to do that, but I figured knowledge is power so my best bet is to start off arming myself with some of that. Researching the Great Depression If only my grandparents were still alive. Both sets survived the Great Depression. They could advise me how they made it, maybe give … Continue reading →

Bracing My Marriage for a Depression

I hadn’t been too worried about all the economic doom and gloom swarming the news these days until a couple of weeks ago. My husband’s job is sort of dependent on investors being able to get credit to buy businesses. If people can’t get financing, that means there won’t be any deals and he’ll be out of work. Needless to say the number of banks going under, some of which have financed projects Wayne’s worked on in the past, alarmed me. But yesterday I grew even more concerned. Causes for Concern It started when Today interviewed Jim Cramer of Mad … Continue reading →

Should you Borrow Money to Invest?

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This is a question I hear asked often… is there ever a good reason to borrow money to invest it? Some people figure if they could borrow $10,000 at five percent interest and then invest it with a return of ten percent they should come out ahead. In theory, this does sound possible. In realty, there can be a whole different story. The main problem is the risk involved in this type of venture, especially if you are borrowing more than you could easily pay back from a savings account. If your investment crashes and doesn’t bring you the desired … Continue reading →

Asset Allocation

The basic concept of diversifying your assets is found in the classic saying, “don’t put all your eggs in one basket.” If you have all your eggs in one basket and a large rock falls on it, all the eggs crack. Needless to say, if you have all your money in one company’s stock and that company goes out of business… your money cracks as well. The meaning of asset allocation is the spreading out of your money over lots of different kind of investments. Good examples of these assets include stocks, bonds, and savings accounts. You should spread your … Continue reading →