Investing on Shine

Post-pedicure boots: Genius item or the silliest thing ever invented?

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Well, someone finally invented it. For years I’ve been wondering how to get home from a winter pedicure with polish intact and now Bootie Pies are here to save me. A boot with a flip toe so you can polish and walk into a snow storm five…

Will the DB(k) replace the 401k plan?

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A History of the 401(k) Retirement Plan

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A History of the 401(k) Retirement Plan

How the Dow Jones Industrial Average Works

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What is the Dow Jones Industrial Average?

Tips for Investing from Hedo Red

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Never buy and hold. Not stocks, not real estate and especially not your wife or husband. All things can lose value and you can't take them with you when you move on from earth. Buy things that are unpopular and out of fashion. Never buy a hot tip from your…

User post: earning $100K and still feeling poor

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Despite earning more than $100,000 in household income many people still feel that they are living month-to-month and that a loss of employment or medical emergency could easily move them from upper middle class to low income earners. This feeling of being on the “edge” of poverty,…

You can loose 1/2 of your Investment Returns by Missing the 10 Best Days?

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Use a Buy and Hold…

User post: The power of compounding

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Question: Would you rather have a million dollars now or take a penny now and double the amount for 30 days?

As expected, 90% of people chose the million dollars now option. I would have made this choice myself a few years ago. But this would have been the poorer choice, because you would have shortchanged yourself by over $4 Million at month-end. Don’t believe me? Look at penny table calculation on the right. The simple act of doubling your previous day’s investment can rapidly reap huge rewards thanks to the powerful concept known as compounding .

Now a 100% return every day is highly unlikely, but the principle of compounding holds true for even smaller returns (though it will take longer than a month to make your fortune). This is why compounding is a core aspect of good personal finance and the reason why the rich get richer. As outlined in a Kiplinger , when you're young, you have an asset money can't buy: TIME. Start saving now and turn pocket change into riches. Compound interest has been called the eighth wonder of the world. And with good reason. It magically turns a little bit of money, invested wisely, into a whole lot of cash. Even Albert Einstein is said to have called it one of the greatest mathematical concepts of our time.

Being Busy isn't Efficient-10 Tips to Make the Most of Your Time!

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Do you know how to get the most out of every minute of your day? Donald Trump credits his success to being able to get more things done in less time than most other people. He says he gets more done before lunch than most people get done in a day or even an entire week. I have found that…

How to profit off your pets

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You don't have to have an MBA to do well in the stock market. Instead, just look to see which companies are pampering people's pooches.

Americans have been scrimping to get by for the last several months: Cutting corners, clipping coupons, brown-bagging lunch, and so on. American pets, however, have only seen their standard of living increase. Despite the recession, it turns out that Americans have increased their spending on their
pets, from $43.3 billion last year to $45.4 billion this year, according to the American Pets Association.