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How to Annualize a Rate of Return

Wednesday, July 23rd, 2008

According to the Vanguard website, the Vanguard S&P 500 Index Fund is down 12.07% YTD as of yesterday’s close. To get an idea of what that return would look like if it were to continue for an entire year, you can annualize the YTD return. It’s a fairly simple calculation to perform as long as […]

If You’re Going to Pay Extra on a Loan, Do it Sooner Rather Than Later

Friday, July 18th, 2008

The other day I was looking at the amortization for the loan I took out to buy our 2007 Honda Civic. The balance on the loan is now below $10,000 and I immediately thought about paying more on the loan just to get it paid off earlier. But then I noticed something that I never […]

What’s Missing From This Formula?

Tuesday, June 24th, 2008

Quiz time. Last week while on vacation, I read Brian Tracy’s Flight Plan*, a short little book about success. On page 14 of the book, Brian has this to say about financial independence: Here’s a simple exercise: Determine how much it would cost you per month to live comfortably even if you had no income […]