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Barbara Friedberg
Works at Cadco, Inc.
Attended Penn State
Lives in San Francisco Bay Area, CA
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Barbara Friedberg

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Personal Finance Luminary Series-Robert Farrington
Welcome to an inside look into some of the most important personal finance luminaries online. These influential people educate and entertain others about money topics. From authors to podcasters to writers, these money mentors are working to raise the level of financial knowledge and education. 
Enjoy this interview with Robert, personal finance luminary college investor, one of my favorite online inspirations.
1. What is your background and money/financial influences?
I honestly started blogging about personal finance because I was bored and I’ve always had a passion for money. In college, I went to my schools investing club, and I was pretty disheartened by what I found. It was really just a bunch of amateurs talking about day trading and penny stocks. It wasn’t what I was interested in. Then, as I talked to more of my friends, they were searching for the information I wanted to provide.
Finally, one day sitting in the back row of my econ class, I decided hey, I’m just going to start writing on a blog about this stuff. That started The College Investor. After writing for a few years, I kept being frustrated at roadblocks stopping young adults from investing. As such, student loan debt started becoming a central theme on the site as well.
Read more about Personal Finance Luminaries >>>
Personal Finance Luminary College Investor-Robert Farrington
Personal finance luminary College Investor-Robert Farrington is the complete package of a smart money expert & generous friend. Read about how he balances work, life, + entrepreneurship
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Barbara Friedberg

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Do you spend more time making money than you do managing the money that you already have?
For those of us tiptoeing toward the Social Security (S.S.) deadline, did you know that by appropriately managing your benefits, you can earn tens of thousands more dollars or more in retirement?
That’s right, managing when you and your partner take your Social Security benefits can be equivalent to giving yourself a juicy raise in your retirement paycheck. 
How Can I Tell if I’m On Track for Retirement?>>>>
By poking around the Social Security Website you may even uncover more data about the question, ‘Why Delay Social Security Benefits?’

I signed up at the online Social Security website a few months ago and drilled down into proposed benefit scenarios for my spouse and me. It was thrilling to find out that we can expect a decent income stream from Uncle Sam. 

So here’s a quick kick in the seat to get you planning for retirement. Understand why to delay Social Security benefits.
Take a few moments away from making money to manage what may be your greatest retirement income stream.
Are you interested in how to have more money in retirement? Learn 'Why Delay Social Security Benefits' during National My Social Security Week.
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Market Timing versus Buy and Hold Investing; The Gloves are Off
Is it wrong to delight in “proof” that my investing practice and writings are correct?
Mark Hulbert, long time author of the Hulbert Financial Digest and Wall Street Journal (WSJ) columnist asked, “Can Market Timers Beat the Index?” in the July 20, 2013 week end edition of the Journal. He answered this frequently attempted practice with raw data!

Who is Mark Hulbert?
First, some background on Mark Hulbert. He empiricallly evaluates the trades recommended by 200 prominent newsletter authors. You know who they are, the investment scions who purport to know what holdings to buy and sell and when, in order to beat the market. These investment gurus sell investors their recommendations in published newsletters. Hulbert evaluates their recommendations with back testing and reports who offers the best advice during each period.
Read Hulbert's research on market timing. If you think market timing is the way to invest, then consider what WSJ pro found. Buy and hold vs. market timing?
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MBA Course: Investing & Portfolio Management-Class 2
By Barbara Friedberg in Bond, Investing, Mutual Funds | 6 comments
Do I Need Bonds in my Portfolio?
“The social object of skilled investment should be to defeat the dark forces of time and ignorance which envelope our future” John Maynard Keynes
One of the foremost economists of the last century succinctly states a reason to invest. Learn the simple principles of investing through this MBA series taken directly from the graduate course I’m teaching in Investing & Portfolio Management. Don’t be intimidated, grasp important investment concepts in an easy to understand format.
After reading this article you will gain a usable investing skill.
As I mentioned previously, please follow these steps before beginning any investment program.

What Are Bonds? 
Last class we talked about risk versus reward. In investing, the greater the risk, the greater the opportunity for reward or a high return.  Risk means that your investment is going to go up and down in value; with higher risk investments exhibiting greater volatility.
With the stock market booming, you may be asking, "Do I need bonds in my portfolio? Learn about bond investing from an former MBA instructor.
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What’s the Impact of the Greek Debt Crisis On My Investments?
By Barbara Friedberg in Uncategorized | 0 comments
Current Investing Analysis
Will the Greece Situation Hurt My Investments?
As investors, we tend to get nervous when there’s economic upheaval. It’s well known that investment markets are skittish. Markets can drop in a minute after negative economic news.
The Greek Debt Crisis is all over the news. But what are the implications of this global crisis for the average investor?

Greek Debt Crisis Overview
Let’s get a quick drill down into the Greek Debt Crisis. Then we can look at potential impacts for our investments and finally, what should you, the investor do.
Greek is in debt to Germany, France, The European Central Bank and the International Monetary Fund (IMF).
Athens owes approximately 320 billion euros. During the first week of July, Greece missed a 1.5 billion euro payment to the IMF, according to a recent NYtimes.com article, “The Debt Crisis: What Greece Wants and What  It’s Offering” by Jeffrey Marcus here’s a break down of the situation.
Greece can’t make the payments because it’s almost out of money and Europe won’t lend them any more.
When Greece runs out of money and can’t borrow any more then it won’t be able to pay it’s debts including pensions.
Buy or sell? What is the impact of the Greek Debt Crisis On My Investments? Find out what to do with current investing news. Change your investing strategy?
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How to Measure Investment Risk & Protect Against it
By Barbara Friedberg in Advanced Investing, Asset Allocation, Bond, Economics, Investing, Stocks | 9 comments
Investing is Risky
The Investments class I teach at a local university focuses on investing risk and return. We talk about the risk that you’ll lose money if you invest and your stock and bond funds decline in price. There’s also the risk that your purchasing power will erode from inflation. According to a recent Fortune-CNN article food prices increased 2.6% last year. Although, in my region, it seems as though the food increases were quite a bit more. Although the CPI (consumer price index) reported a seasonally adjusted increase of 1.7%, your personal inflation rate varies based upon the region where you live and what you buy.
So how do you measure investment risk and protect yourself?

What is Investment Risk?
Standard deviation measures how much your investment returns deviate from the average. In reality, investors care about the negative returns, not if you have a year with exceptionally high investment returns. Investors measure risk by the percent their investment portfolio drops in value.
Here’s how to measure your portfolio returns. Mathematically, find the difference between the beginning and ending value of your portfolio. Next, divide the results by the beginning value of your investments. For example, if your portfolio was worth $10,000 on January 1 and on December 30 of the same year it’s value was $9,000, you lost 10%. That’s an example of investment risk, and how to calculate.
$9,000 – $10,000/$10,000 = -10%
Measure investment risk & protect against firm specific risk. No one wants to lose money. Understand the types of risk and how to minimize investment losses.
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Savings: Easy As Pie! Basic Savings Strategy
By Barbara Friedberg in Budget, Debt, Guest Post, Saving, Tips | 9 comments
Guest contributor, Alexandra from Real Simple Finances.
Basic Savings Strategy-Perfect Approach to Build Long-Term Wealth
There are few things I enjoy in this world more than pie. Aside from being really delicious, pie also serves as a great guideline when designing savings plans. After all, who doesn’t want a big piece of financial pie?
My favorite pie is apple, whereas my husband prefers pumpkin. Just as our tastes differ, so might your financial pie differ from the examples I have shown here. These pie charts are meant to be guidelines and hints, but are no substitute for professional financial advice.
By creating an income, expenses, savings pie you gain an understanding of where your money is going. Only then can you figure out whether you’re on track to meet you financial life goals.
First, know your pie. You must understand your income and expenses pie to become a saver. Let pie be your basic savings strategy guide.
Read more: The Saving Secret Worth $366,000>>>
1. The Pie Categories-Basic Saving Strategies
Basic savings strategy, targeted and implemented systematically will change your life. By learning how to look at saving, reinforcing strong money habits, and saving consistently, your life will be better.
Think about it, money worries are among the top stressors in life. If you can cut those financial pressures back with a basic savings strategy then you’re on the road to greater wealth in life. And we’re not talking about just financial wealth, but life satisfactions and fulfillment as well.
Looking for a basic savings strategy? Get a step-by-step approach with helpful models. Savings as easy as pie gets you on the path to wealth.
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A Health Savings Account or HSA is a special type of financial account for individuals with high-deductible health plans (HDHP). These financially beneficial accounts are governed by Internal Revenue Service (IRS) rules and help eligible consumers save and pay for qualified medical expenses not covered by health insurance. After monies are contributed to the HSA account, they can grow and compound without tax consequences, similar to retirement accounts.

The HSA inflation-adjusted contribution limits for 2016 have increased slightly over those of 2015. The following chart illustrates the 2016 contribution and out-of-pocket limits for HSAs as well as high-deductible health plans. (For more, see: Pros and Cons of a Health Savings Account.)



Read more: http://www.investopedia.com/articles/professionals/072215/irs-sets-2016-hsa-deduction-limits.asp#ixzz3gryD6eI2 
Follow us:@Investopedia on Twitter
Contribution limits for HSA plans have increased slightly for 2016. Here's a breakdown of what they are and how they work.
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Great Tips for Financial Advisors

So you want to advise wealthy clients, do you? More money typically means more complexity, and it's important to keep in mind that the needs of high-net-worth individuals are different — and often more complicated — from those of other clients. Before attempting to woo this demographic, financial advisors should take steps to ensure their services will be attractive to potential clients and they're prepared to handle their financial situations. (For more, see: High-Net-Worth Client Tips for Financial Advisors.)

What to Expect
High-net-worth individuals may own one or more businesses, and they likely face legal and tax issues that other clients don't. In addition to help with standard financial planning and investing, they may expect you to assist with estate and tax planning, establishing trusts, and other areas. For these reasons, wealthy clients likely will expect their financial advisor to be able to provide a stable of professionals (including lawyers, accountants and insurance experts) to assist with all facets of financial planning. The one-man shops will struggle to woo and then meet the needs of wealthy clients. (For more, see: Biggest Tax Issues Facing High-Net-Worth Individuals.)



Read more: http://www.investopedia.com/articles/professionals/072115/tips-wooing-wealthy-clients.asp#ixzz3gafyiDiD 
Follow us:@Investopedia on Twitter
To woo wealthy clients, offer the resources they need and design a strategic website and marketing plan to bring those desired clients into your firm.
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Having a client with a special needs child creates unique issues for a financial planner or advisor. Not only are there distinct financial issues for the present, but there's also a need for a comprehensive plan to care for the child in years to come. (For more, see: Help Parents Avoid This Retirement Savings Blunder.)

Unique Financial Issues
Clients with a special needs child require targeted information, specific to their particular situation. An important consideration when dealing with a client of a special needs child is how to fund the expenses of specialized care and treatments. Children are expensive in general, and a special needs child requires even greater financial resources. Although insurance will cover many of the costs, most health insurance policies will likely leave some gaps.
A special needs child demands extra diligence in planning. Here's a guide to best practices.
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How to Measure Investment Risk & Protect Against It.Become a better #investor + learn the ways to handle risk.

Investing is Risky
The Investments class I teach at a local university focuses on investing risk and return. We talk about the risk that you’ll lose money if you invest and your stock and bond funds decline in price. There’s also the risk that your purchasing power will erode from inflation. According to a recent Fortune-CNN article food prices increased 2.6% last year. Although, in my region, it seems as though the food increases were quite a bit more. Although the CPI (consumer price index) reported a seasonally adjusted increase of 1.7%, your personal inflation rate varies based upon the region where you live and what you buy.
So how do you measure investment risk and protect yourself?

What is Investment Risk?
Standard deviation measures how much your investment returns deviate from the average. In reality, investors care about the negative returns, not if you have a year with exceptionally high investment returns. Investors measure risk by the percent their investment portfolio drops in value.
Here’s how to measure your portfolio returns. Mathematically, find the difference between the beginning and ending value of your portfolio. Next, divide the results by the beginning value of your investments. For example, if your portfolio was worth $10,000 on January 1 and on December 30 of the same year it’s value was $9,000, you lost 10%. That’s an example of investment risk, and how to calculate.
$9,000 – $10,000/$10,000 = -10%
Measure investment risk & protect against firm specific risk. No one wants to lose money. Understand the types of risk and how to minimize investment losses.
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Barbara Friedberg

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Is Holding a Garage Sale Worth it?
By Barbara Friedberg in Make Money, Mind and Money | 25 comments
After $448 I ask, “Is Holding a Garage Sale Worth it?”
Jr. Carina and I have made about $448.00 for our last garage sale. Is the cash worth the time and effort?
Our garage sale was in 2003, when we moved from Ohio to Pennsylvania. At that time I swore I would never hold another yard sale.
Then, we were moving out west to California. So, seven and a half years later, I gave in. 
I thought I was bordering on insane as I considered whether holding a garage sale is worth it or not.
This personal story digs into both the financial and personal tally of whether to hold a garage sale.
Is Holding a Garage Sale Financially Worth it?
Our last garage sale was in 2003. Before our recent move, we asked 'Is holding a garage sale worth it?' Find out the pros + cons of a garage sale. Hint-you may be surprised.
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Work
Occupation
Portfolio Manager & University Lecturer
Skills
Investing, Portfolio Management, Writing, Publishing
Employment
  • Cadco, Inc.
    CFO, portfolio manager, 1998 - present
  • Barbara Friedberg Personal Finance
    Publisher, 2010 - present
    Barbara Friedberg Personal Finance.com - Save, Invest, Build Wealth
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
Portfolio manager, university Investments instructor & finance website publisher; http://barbarafriedbergpersonalfinance.com
Bragging rights
"How to Get Rich; Wealth Building Guide for the Financially Illiterate" http://barbarafriedbergpersonalfinance.com/press/ Editor and author of upcoming "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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