Breaking News: Stocks End Flat, (Smart Money Clip) Mixed
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This score indicates that your headline has a total of 25.00% Emotional Marketing Value (EMV) Words. To put that in perspective, the English language contains approximately 20% EMV words.Happy headline / title tag writing.And for comparison, most professional copywriters' headlines will score in the 30%-40% range, while the most gifted copywriters will score 50%-75% on headlines.
A perfect score would be 100%, but that is rare unless your headline is less than five words.
While the overall EMV score for your headline is 25.00%, your headline also has the following predominant emotion classification:
Intellectual
Spiritual
We've determined that your headline appeals equally to people's spiritual and intellectual spheres.
An often overlooked, or do I dare to say purposely neglected by most conservative personal finance writers and investment advisers is inflation.
Let's take a look at some facts about inflation from the book.
The average annual inflation rate for the past 60 years is: 4.10%
Inflation compounds.
Since 1945, there have only been 2 years when inflation has been negative.
What this means for your portfolio, and probably why most investment sellers don't talk to much about inflation is, you start off, on average 4.10% in the whole each year! That's before you even plunk your dough into the latest under-performing mutual fund, ohand don't forget your 2.50% MER.
How's that 7% annual return that the fund company is paying splash all over the sports page of your newspaper looking now?
Here's what inflation looks like in real life...you'll see what compounding looks like in actual terms.
A middle of the line Ford car, in 1980, cost $3,500. Today, approximately 26 years later,the same vehicle would cost you $20,000. This represents a period of higher than average inflation, but even on average, at only 4% inflation, prices will double every 18 years. That is without any other influence.
Since 1945 the Consumer Price Index reports that prices have risen over 900%.
Inflation and Your Portfolio, In Real Terms
What this really means is that if you invested $3,500 in 1980, if that investment is worth $20,000 now, pat yourself on the back...you broke even!
What I liked about the author putting this into his investing book was to encourage the average retail investor, his audience, to be more honest about the context of their investments.
It is easy, just as we investors tend to talk up the winners and quietly neglect our losses, to ignore the silent force of inflation when calculating our returns or even more importantly goals such as funds needed for children's college accounts and ourretirements.
The next time you're evaluating a fixed income investment don't forget to take inflation into the equation...if you do you'll see that these types of holdings, which are often sold as "low risk" are actually very risky...since when evaluated within the context of the virtually ever present monetary force of inflation that we exist with, they will almost certainly lose you money.
If you’re into niche site building or you do any other forms of internet marketing you probably spend a fair amount of time creating keyword lists. In an effort to try and automate that process I just picked up a copy of Brad Cullen’s keyword elite, a very cool looking keyword research tool.
You may know Brad for his other famous product seo elite. Keyword Elite is launching today, so there is a chance to get it at launch price of $167. I figured that I’ll make that back in about two weeks if the software does half as much as it claims. There are also a few interesting bonuses included in the offer.
On the keyword elite site there are a couple videos that demo how to build some very comprehensive keyword lists that can be used to build niche sites or in your Adwords campaigns. [all links are affiliate links…of course
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I’ll let you know how it looks after I give it a thorough test drive.
Update: I've posted a complete review of Keyword Elite on my Art of Money site.
Update 2: I have posted another review of keyword elite and how I use it to generate article ideas and product ideas from questions that people are typing in to search engines. This is a use that I have not seen before so I created a video to demonstrate this very useful tip.
Want to learn how to think like Warren Buffett? The Personal Finance Weblog is starting a 29-part (!) series on how to accomplish this:
Everyone loves Warren Buffett. More important, everyone wants to be rich like Warren Buffett, me included. So, in the first installment of this 29-part series, I am combing through all of Warren Buffett's annual Letters to Shareholders of Berkshire Hathaway. Today I analyze 1977 to see what secrets Buffett knew way back when.
Should be interesting to say the least, and it's always nice to learn something from the masters.
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Learn about mortgages, balance your budget, pick an IRA and more at Yahoo's new personal-finance site, aptly titled Yahoo Personal Finance.
Building on the company's existing finance site, Personal Finance caters to individuals with free tools and how-to guides covering a wide range of subjects. These include tax planning, budgeting, real estate planning and retirement saving. The site also provides average-rate data for mortgages, home-equity loans, CDs and cars. It even features a Yahoo Answers area where you can post finance-related questions and solicit answers from other users. This is a must-bookmark site for anyone interested in managing (and growing) their money.
Up-to-Date Info Here...The Women's Personal Finance blog lists 46 things they wish Mom had told them about finance. Alongside "duh" items like "spend less than you earn," there's some less obvious stuff here too, like:
Keep Credit Card Balances Below Half of the Credit Limit. Credit cards below the 50% mark create higher marks on credit reports than those past the half waypoint of the limit. Continuously "maxing-out" you credit cards is considered to be almost as bad as a few late payments.
For students wondering how to save cash on that big name school:
Community College Credits Transfer to Big-Name, 4-Year Universities. By hitting the college books at a close to home locale, not only are you saving money on the courses, you're saving a bundle on room & board. After an associate degree is attained from your local CC, transfer the credits to your dream school- your bachelors degree will contain the name of your beloved higher learning institute, and you'll have saved over $50,000.
Good read for anyone cleaning financial house.
Up-to-Date Info Here...