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Barbara Friedberg
Works at Wealth Media, LLC
Attended Penn State
Lives in San Francisco Bay Area, CA
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Barbara Friedberg

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My Personal Turn-Around Story Which Ultimately Led to Wealth
Growing up, I had a low self-esteem. Realistically, there was nothing wrong with me. I had two loving parents, a sister, a home, a dog and plenty of friends and relatives. I was intelligent enough and did well in school. But, most of the time, I didn’t think I measured up. I didn’t think I was pretty enough, smart enough — or rich enough.
So, what do these insecurities have to do with saving money? Find out how your mind can trick you into thinking that having lots of things will make your life great. Ultimately, you’ll learn the secrets to building financial security — by changing your thinking and your behaviors.
The Early Days
It all began with my mom and dad’s background.
My dad, born into poverty, worked since he was age 10 and ultimately became a successful entrepreneur. My mom, born into middle class, was raised in a two-bedroom apartment with cost-focused parents. My parents were children during the Great Depression. They shared a similar value set; live within your means, work hard, take calculated risks and save a portion of all income. Those values were embedded in my upbringing.
Mom and Dad bought their first house together when I was age 5. They had a choice to buy a relatively expensive home in a tiny neighborhood or a fixer in an older, established neighborhood. They chose the fixer-upper, gutted it and made it their own — all for a fraction of the cost of the home in the upscale neighborhood.
My dad loved luxury cars, but he grew up dirt poor. In order to buy his first car, he learned to work on cars, bought an older model and made the repairs himself. As he aged, he rarely bought a new car but chose a slightly used Cadillac, Mercedes or Lincoln Continental.
My Personal Turn-Around Story Which Ultimately Led to Wealth Growing up, I had a low self-esteem. Realistically, there was nothing wrong with me. I had two loving parents, a sister, a home, a dog and plenty of friends and relatives. I was intelligent enough and did well in school. But, most of the time, I …
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Barbara Friedberg

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Read my thoughts in this article by Ralph R. Ortega
Like their clients, brokers too need to watch how they react to markets.
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Barbara Friedberg

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Get great debt and money tips for your future.
Barbara started out very young saving and investing for the future. This habit allowed her and her family tremendous flexibility. She worked as a Career Counselor at San Diego State University before taking time off to raise her family. After that, she used her Economics degree and passion for investing to serve as a financial portfolio manager for many years. Barbara got her MBA in finance later in life and is currently committed to helping others learn about money and investing through her two websites: Barbara Personal Finance.com and Robo Advisor Pros.com.

What’s the best piece of financial advice you ever received?

I’m going to share 2 pieces of financial advice. They may be ‘old school’ but they work!

If you can’t pay for it in full now, then you don’t need it.
Save part of every dollar that you receive.
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http://time.com/money/4419030/mortgage-refinance-denied-cost/?
So excited to be syndicated on Money Magazine. Even if you're denied, you have options.



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As interest rates continue to touch on historic lows, you might want to refinance. A mortgage refinance can get you a lower monthly mortgage payment, a shorter loan term or cash back. All of these alternatives can save you money.

Mortgage rates have been low for so long that you might not remember the days when rates were higher. In 1981, home mortgage rates peaked at 16.63% APR, according to Freddie Mac. Average rates gradually fell, but were still 9.25% APR in 1991.

In contrast with those sky-high rates, home mortgage interest rates in recent years have been low. Since 2010, they have been below 5% APR. Anyone who took out a mortgage prior to 2010 might want to consider a home loan refinance.
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Barbara Friedberg

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Wealthfront’s ‘pre portfolio set-up’ options are impressive. There are a variety of exploratory questions for diverse personal scenarios. In this ‘how to sign up for Wealthfront article, you receive an overview of the sign up process and initial questionnaire.

Ultimately, an investment portfolio should be as personalized as possible and take into account your situation, risk tolerance, net worth and more. Wealthfront makes a detailed effort to get it right. We’ll delve into where Wealthfront nailed it and what could be improved.

How to Sign Up for Wealthfront-The Welcome Screen
“More than 90% of portfolios aren’t invested the right way for the long term. Is yours?” ~Wealthfront.com

Too many choices are paralyzing, so the initial 2 question choice is great. Next,find out what’s behind each choice.

Review My Current Portfolio
The ‘Review My Current Portfolio’ selection assumes that you already own a few investments and want the Wealthfront take on your portfolio.

When you choose the ‘Review My Current Portfolio’ button here’s what you’ll find:

You quickly create an account so that Wealthfront can link to your existing brokerage account(s). Next, to give you the most accurate analysis, we linked to a taxable personal investment brokerage account. This aspect of the ‘How to Sign Up for Wealthfront’ was stellar – the account linked smoothly and literally took less than a minute.

If you bank online, then you should be comfortable with the security. At present, Wealthfront isn’t set up to handle accounts with multi-factor authentication.

Next, the platform asks you to choose what you’re looking for in a portfolio manager or financial advisor. You can choose any or all of the options:

I’d like to create a diversified investment portfolio.
I’d like to save money on my taxes.
I’d like someone to completely manage my investments, so that I don’t have to.
I’d like to match or beat the performance of the markets.
When previewing the platform, I selected all the choices.
Explore how to sign up for Wealthfront + learn what goes in to their secret portfolio creation sauce. You'll get a deep evaluation of the platform set up..
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CLiff notes version of the Donald Trump economic policies. Agree or disagree?
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Who isn’t looking for a high yield on investments today? This reader question is quite common. Savers, investors and retirees are frustrated with the low interest rates on their savings, CDs and money market accounts. For those younger readers, you may not realize that the rock bottom yields today are historic. Interest rates haven’t been this low in many decades. To gain some perspective, take a look at the 3-month Treasury Bill returns for the last 15 years or so:
Treasury Bill Returns from 2000 – 2015
Are you looking for a higher return on your cash? Find out where to get a high yield on your investments with a minimum of risk. Ideas for ETFs for 2016.
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After writing close to 700 articles for this website, occasionally, it makes sense to come back and update some of the older articles. In this case, we’ll go back to the index fund question and evaluate whether this passive investing approach can still beat the market. This article was originally written about 2 years ago. The inspiration for this post came from the New York Times article “Beating the Market, as a Reachable Goal”, written by Jeff Somer. In the article, Robert A. Olstein, insulted by the arguments in favor of index funds, claims that the index fund approach is a reach for mediocrity.
Olstein goes on to site the stellar performance of his Olstein All Cap Value Fund (OFALX). According to the NY Times article, since inception (in 1996) through November, 2013, and including fees, the fund returned 10.7 percent annualized. According to Olstein, that was 2.4 percent better than the S & P 500 stock index. He also claimed his fund slightly outperformed the 10.3 percent return of Warren Buffett’s Berkshire Hathaway.
Further, Olstein claims his out-performance was due to exceptional skill and analysis.
To sum up, according to Ostein, his All Cap Value Fund beat the S & P 500 returns from 1996 to 2013. click on the link to read more....
Find out if you can beat the market. Get the latest research in index fund investing and how to try and beat the market. Find out who beats the market.
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Have her in circles
1,349 people
Casey Bond's profile photo
Markos Dana's profile photo
Jason Richie's profile photo
Smarter Incomes's profile photo
Roger Wohlner's profile photo
A Mod Cloud's profile photo
Willy Ndirangu's profile photo
William Vanlanot's profile photo
Jennifer Winget's profile photo
Work
Occupation
Investment and finance journalist-former portfolio mgr.
Skills
Investing, Portfolio Management, Writing, Publishing
Employment
  • Wealth Media, LLC
    CEO, 2013 - present
  • Barbara Friedberg Personal Finance
    Publisher, 2010 - present
    Barbara Friedberg Personal Finance.com - Save, Invest, Build Wealth
  • Cadco, Inc.
    CFO, portfolio manager, 1998 - 2014
Places
Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
Currently
San Francisco Bay Area, CA
Story
Tagline
Barbara Friedberg Personal Finance - Save, Invest, Build Wealth
Introduction
Investing + finance writer, former portfolio manager, university Investments instructor & website publisher; http://barbarafriedbergpersonalfinance.com and http://www.roboadvisorpros.com/
Bragging rights
"How to Get Rich; Wealth Building Guide for the Financially Illiterate" on Amazon, http://barbarafriedbergpersonalfinance.com/press/ Editor and author of "Personal Finance: An Encyclopedia of Modern Money Management" (Greenwood, an imprint of ABC-CLIO, 2014)
Education
  • Penn State
    MBA-finance
  • Miami University
    MS-Counseling
  • University of Cincinnati
    BS-Economics
Basic Information
Gender
Female
Other names
Barbara Fabe Friedberg
Barbara Friedberg's +1's are the things they like, agree with, or want to recommend.
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