Strategies for trading can and should vary depending on the type of market timing system and each trader’s individual goals. AF Capital Management’s market timing system is based on technical analysis, specifically trend following, and is not meant for day traders. Investors can use different approaches to reach varying goals. With any of these approaches, […]
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Is Now the Best Time to Refinance a Home Mortgage?
Every time mortgage rates start falling home owners wonder if they should refinance their home mortgage. The biggest questions to answer are how long you plan to stay in your house and how much can you save each month after refinancing. By knowing your monthly savings you can figure out how quickly you can make […]
What is the Market Multiple?
During the recent market turmoil a client posed the question, if the economy is less than 30% likely to fall into a recession again in the near term, why has the market sold off so much so quickly? The answer is a constricting market multiple (fancy wording for fear). Wall Street rarely likes to use […]
Waterfall Approach to Money Management
Taking a page from project management methodology, the Waterfall model follows a step by step flow that moves in one direction through phases of a project to reach the end with the desired result. The project cannot move to the next stage until each preceding stage is complete. Any changes that alter a prior stage’s results trigger […]
A Better 401(k) Plan
For years, even before I got into the industry, I’ve heard participants complain about companies’ their 401(k) plans. This longing for a better 401k plan grew from complaints that ranged from lack of fund choices and lack of employer matching contributions to high expenses in their fund choices. ERISA requires 401(k) plans to provide at […]
How Big Does Your Nest Egg Need to be to Retire?
Anyone who plans to retire at some point should run through this abridged formula to get an estimate of where they stand with their retirement goals. Five major questions need to be answered when figuring out how much money you will need to save to retire and live a lifestyle similar to what you are […]
Tips To Become a Saver
I’ve talked to a number of people who say they have a hard time saving money, not just for investments, but even for a stable emergency savings account. The excuse I hear most often is that they don’t know how to save. The easiest commitment I recommend is for people to not buy anything unless […]
