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Online Investing for Beginners in the Stock Market Today

February 19th, 2012

Mathematical statistics and the measure of volatility is a good discipline used for Online Investing. These measures of investments are example concepts that have a tendency to intimidate average investors. Standard deviation based on the rate of return of an investment is a measure of the volatility of the investment and is a good representation of risk found in stocks and options. If you look in the Wikipedia article about Karl Pearson, Fellow of the Royal Society, it tells how he established the discipline of mathematical statistics. Karl Pearson first used the term Standard Deviation in writing in 1894 subsequent its use in his lectures. Standard Deviation is quite crucial in financial issues.

To begin with, a large standard deviation indicates that the data points are considerably from the mean and a modest standard deviation indicates that the data points are clustered a lot nearer to the mean. Considering your investments, standard deviation serves as a measure of uncertainty. The reported standard deviation of a group of repeated measurements should give the precision of individual measurements.

Investors deciding whether measurements agree with a theoretical prediction must determine if the standard deviation of those measurements is of extreme importance.

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Tags: Investing, Online Investing

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Mortgage rates show mixed results

February 13th, 2012

Mortgage rates showed mixed results with mostly upward pressure, according to the latest weekly report from Freddie Mac.

Freddie Macs Primary Mortgage Market Survey for the week ending February 9, 2012 revealed that the average rate for a 30-year fixed-rate mortgage stayed constant at its record-low mark but that average rates for other mortgage products mostly inched up.

The 30-year fixed average of 3.87 percent was the same as the previous week, which set a new historical low mark. An interesting side note mentioned by Freddie Mac in its weekly report: Last year at this time, the 30-year fixed averaged 5.05 percent.

A strong January employment report added upward pressure to most mortgage rates this week, Frank Nothaft, vice president and chief economist at Freddie Mac, said in a statement. The economy gained 243,000 jobs last month, the largest monthly gain since April 2011, and the unemployment rate fell to 8.3 percent, which was the lowest since February 2009.

Januarys positive employment data coincided with rising average rates for 15-year fixed-rate mortgages (FRMs), 5-year adjustable-rate mortgages (ARMs) and 1-year ARMS.

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Tags: Mixed Results, Mortgage Rates Show, Rates Show, Results

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Expect Higher Bank Fees in 2012, But Which Ones?

February 12th, 2012

As we all know, 2011 was not a great year for banks.  Debit fee swipe limits were passed, Bank of America had a PR disaster over their plan to charge $5 a month for debit cards, and Bank Transfer Day saw billions of dollars shift into local credit unions.  So they enter 2012 chastened … a

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Tags: Bank, Bank Fees

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Apr 27, Dissapoingting in trying to rebuild when banks shoot you down

February 12th, 2012

About 5 years I became ill and was not able to work for 6 months. At that time I had 5 or more credit cards doing well. Unfortunately, I was forced to pay more and more for my medicine which instead affected my credit negatively because I was not able to pay the money Ive spent.I became depressed quickly over past due acct and stopped trying to pay them. Four months later I was sued by Capital One (twice) and HSBC sued me on once I paid a few bills and since then Im back on my feet.I started with applying for big bank accts. I applied for 4 different credit card issuers and I was approved for all four! However, I also applied for a Capitol one credit card and completely amazingly they approved me before they realized that I owed them money!I tried few times later and was denied for months! However, things have changed and now I am approved and I was also awarded as a valued customer and they will also raise my credit limit! I am now very careful with the bills and always pay off the balance in less than 14 days.Oh, I also tried for months to apply for an Orchard credit card but they were only able to give me a secured credit card.

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Dangerous Insects

February 8th, 2012

Just when you thought you were safe in your own home, safe from maniacs on the street, safe from lost and roaming wild animals in your local town, a small unassuming insect bites you, and for the next few days, you are fighting for your life. A mosquito, right in the comfort of your own home has brought this on you.

Mosquitoes are often overlooked as a danger to the human race, but these little creatures are responsible for one to two million deaths a year. Malaria, one of the deadly diseases this insect carries, affects 10% of the world’s population, making it the leading mosquito-born disease.

Another overlooked insect is the fly. Houseflies carry thousands and thousands of pathogens and parasites that can be fatal to humans. The Tsetse fly is responsible for 250,000 to 300,000 deaths a year in Central Africa. This fly carries a certain parasite that causes “sleeping sickness.” The parasite enters into the body of a host, affecting the nervous system where it can cause a deep coma and possibly even death.

Yet another dangerous insect did not come from nature but rather was born out of a man’s effort to produce a better version of the bee. African

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Podcast 145: Protecting Individual Finances in a Marriage

February 8th, 2012

Today on the , Tom Dziubek talks to Jenny Kerr, founder of The Jenny Pincher.

Jenny talks with Tom about how married women can better prepare themselves financially for a divorce. Some of the items she discusses are keeping individual checking accounts, knowing where the money is and being prepared to start a new job.

Consumerism Commentary Podcast Protecting Individual Finances in a Marriage: S06E15 / 172 RSS iTunes

Table of contents

Introduction from Tom Dziubek Interview with Jenny Kerr Jennys inspiration for article Individual bank accounts The need for a joint account Funding the individual account The individual account for emergency access Know where the money is Keeping your resume current Part-time work Understanding the necessities Knowing what benefits are tied to your spouse Identifying policies your spouse could benefit from End

We always welcome feedback from listeners.

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