Decided last night to print out the Wal-Mart Stores, Inc. (WMT) Annual Report for 2010 and give it a read.  At just over 50 pages, it took a little bit, but it was very interesting.  Typical Sunday evening for a 20-something, no?  If you’re into investing, you should definitely give your favorite company’s annual report a read.  I own some WMT stock, but am considering allocating a chunk of money I’ve saved up into the stock, so I decided to do some extra reading before doing so.  Wal-Mart is an …

Mortgage rates are are serious lows.  I have many people telling me these days that rates will never be this low again.  Therefore, it’s a great time to refinance.  While, it might indeed be a good time to refinance, I often remind these people that people have been saying the same thing about rates now for years.  They’re never going to be lower, until they are indeed lower a year later.
So, should you refinance?  Maybe.
I’m in the camp that thinks rates will keep going lower.  In an effort to somehow …

If you follow my blog, you know that I recently started a new website with a few other people called Saturday Down South.  In just two months of being online, the traffic is roughly 4x the traffic of 20smoney.com which has been online over two years.  Obviously, we’re pumped about the success that we’ve reached at this point.

Additionally, some good things have been happening as to who has noticed the new site.  A few weeks ago, I was contacted by a rep in ESPN whose job seems to be to …

How does a simple thing like saving money become a priority in our lives? Is saving money something you learn from your parents, schools, old age, or an epiphany that dawns on you when something goes horribly wrong and you don’t have a penny to your name? With the economy still in the toilet and barely enough jobs to accommodate the cost-of-living, it is becoming more evident that people aren’t saving. Concocting some formula or method for saving money is easier said than done, but when you’re fresh out …

Apple, Inc. (AAPL) is the most widely followed stock in the world.  No company has the fans and the following that Apple has for both its products and its stock.  Truly, it’s an incredible company.  As an investor, I tend to be a bit cautious about any company with such a high degree of popularity.  It’s tough to get stocks that are so incredibly popular at bargain prices or at a point that represents good value (unless of course you bought below $100 a couple years ago amidst the Steve …

Automated bill pay is something that you may be able to take advantage of — and it’s available in many forms. Your online bank has that feature, as well as other financial institutions with a presence in the web.

If you’re a young reader, you have serious advantages.  The biggest advantage is that you can participate and embrace the best financial philosophy that exists.  So, what is it?
The best financial philosophy is to put away as much money as you can by say, 40 years old and watch it grow into a massive chunk of money.
Why 40?  Well, 40 still allows you plenty of time to grow until you might need it for say retirement.  Most retire around 65 so that is still 25 years of serious growth.
It is …

Obama is requesting $50 billion in stimulus spending targeted towards infrastructure.  Isn’t this what was supposed to happen with the $800 billion stimulus bill a year and a half ago?  Make no mistake, this is only just beginning.  As the economy fails to recover, politicians will get more and more desperate.  Perhaps, the most interesting question will come if the Republicans gain control of the House in the November elections… will they create stimulus bills and/or efforts to “boost” the economy from the government?  Obviously, they’ll go for tax cuts …