Cover photo
Barbara Friedberg
Works at Cadco, Inc.
Attended Penn State
Lives in San Francisco Bay Area, CA
967 followers|96,931 views


Barbara Friedberg

Shared publicly  - 
Can You Predict Future Stock Market Returns?
Guest article by Rob Bennett
Have you ever tried your hand at predicting stock returns?
See what Rob Bennett has learned with his research about predicting stock returns.
I have been studying how to predict stock returns effectively for nine years. The purpose of this article is to put forward a brief summary of what I have learned.
1) Short-Term Predictions Never Work.
I do not believe that it is possible to predict where stock returns are going to be in six months or in a year or in two years. I have run into some smart people who disagree. What I can say with certainty is that, even if those people are right, it takes a lot of work to predict stock returns in the short-term; more work than most middle-class investors are willing to put to the task.
2) Long-Term Predictions Always Work.
Consider if you can succeed at predicting stock returns. Learn whether understanding stock valuations will lead to accurate stock return predictions or not
Add a comment...
Barbara Friedberg, Barbara Friedberg Personal Finance

Barbara Friedberg Barbara is a personal finance blogger that focuses mostly on investing topics, but definitely mixes in other financial topics. I love her site because she breaks down tough topics and presents them in a way that’s easy to explain. She has also been doing an ongoing series of answering reader questions, which the financial voyeur in me always enjoys.
We put together a list of the best investing blogs of 2015, along with why they are amazing and what insights they bring to investors.
Add a comment...

Barbara Friedberg

Shared publicly  - 
A few simple behavior changes can help you save more money. Here are eight habits that help me cut back on daily and monthly expenses.
Add a comment...
Excellent treatment of this retirement saving question.
Add a comment...

Barbara Friedberg

Shared publicly  - 
            When you spend money on things that you don’t need, you are stealing from yourself.
            This may seem like obvious advice to some, but if we take a quick look at the consumer-driven society we live in, it is clear that this is exactly what all the stores want us to do: we have opportunities to open credit cards at every major clothing store (which doesn’t help you make the most of your credit cards!); we are pressured to buy the newest electronics whenever a slight upgrade is made; we even go to restaurants where employees are in competition with each other to push specific menu products.
            Upgrading to onion rings for .99 cents probably won’t break your budget, since it is possible to live well and spend little, but when you consistently make it a point to purchase things you don’t truly need, you end up taking more important things away from yourself.
            You steal your finances.
Simple decisions in life - practiced again and again can either add to or subtract from your wealth. Use behavioral finance tricks to boost your finances.
Add a comment...
Have her in circles
967 people
OneCent AtATime's profile photo
Amanda Smith (New Harmony)'s profile photo
Ali Qamar's profile photo
Sandra Mars's profile photo
Thomas Henderson Johnson's profile photo
Terrence Forest's profile photo
Ben Luthi's profile photo
Jennifer Willard's profile photo
Rich Uncle EL's profile photo

Barbara Friedberg

Shared publicly  - 
Investing Strategies For  40 Year Olds
Are you middle aged with nothing to show for your two decades of hard work?
Are you afraid you won’t have enough money to retire-ever?
“Reader question:
For someone who got a late start “investing”, what should that person look for in investments? A mix of high and low risk assets, or something more aggressive to make up for lost time?” by Little House in the Valley
Have you spent the last few decades living without much regard for retirement? If so, you are definitely not alone.
These questions by Little House echo many mid 30-40-and 50 year olds concerns. The media is filled with stories of 40 year olds who’ve been busy getting married, raising kids, paying the bills and living. Either there wasn’t enough money left for retirement saving or these folks just weren’t thinking about retirement.
inally, realize there is hope for those over 40. Here is actionable advice about how to invest for retirement at age 40. 
Whatever the reasons for not saving earlier for retirement, it’s not too late to start now, even if you are 40 years old. And if you’re 50, well; better late than never.
Don’t Worry About Retirement-Do Something About It!
Retirement investing advice-how to invest for retirement at age 40. Learn how much you need to save in order to build up your nest egg for retirement.
Add a comment...

Barbara Friedberg

Shared publicly  - 
By Barbara Friedberg in Economics, Mind and Money, Saving, Tips, Wealth | 16 comments
You Can Live Wealthy in Any Economy
Whenever I get plagued with an attack of ‘I don’t have enough’ or ‘Life’s not treating me well’, I fall back on a few simple wealth building tools. We talk a lot about building wealth and how to live wealthy here, but it’s important to remember that life’s a marathon, not a sprint. Further, you can live wealthy regardless of the size of your bank account.
How to Live Wealthy in Any Economy
1. The News is for Entertainment and Sensationalism
Don’t even think about the news, or the dour talking heads on your TV. You are the master of your own destiny. Life and success transcend money. Whatever your current circumstances, you have ultimate control over your greatest resources; your time and your mind.
Don't even think about the news, or the dour talking heads on your TV. You can live wealthy in any economy. Tips to a wealthy life. Money doesn't = wealth.
Savvy WorkingGal's profile photo
Add a comment...

Barbara Friedberg

Shared publicly  - 
Robert Reich Bashes the ‘New Sharing Economy’
By Barbara Friedberg in Economics, Make Money, Personal Finance | 
What is the New Sharing Economy-And Why Should You Care?
After reading Robert Reich’s article in the San Francisco Chronicle, “In New Economy, Workers Get Stuck with the Scraps” I felt compelled to dig deeper into “the new sharing economy”. 
After a quick google search, I found out that the “new economy” means a lot of different things. In fact, there isn’t just one definition of the new economy, but multiple ideas of what this concept means.
Reich hones in and considers the ‘new economy’ a version of the ‘share’ economy.
Specifically he digs into the problems with the new upstarts such as Uber, Instacart, Airbnb, TaskRabbit, UpCounsel, HealthTap, and Mechanical Turks.
This component of the new economy consists of the solo-preneurs who use their own resources to deliver services and products, without the security and umbrella of the corporate structure. 
The new sharing economy has garnered its share of detractors. Robert Reich claims it's a step backward for workers. Although, consumers and part timers benefit.
Monica Roy's profile photo
please connect with on chat .
Add a comment...
join in google hangout now with money mastermind- I'm talking investing
Add a comment...
If learning to invest is on your to do list-here's the chance to start. Invest and Beat the Pros-Create and Manage a Successful Investment Portfolio is free now
Roger Wohlner's profile photo
Add a comment...

Barbara Friedberg

Shared publicly  - 
Many of you don’t really know how to tackle many money issues. Nor do you understand how to build wealth for the long term, in order to reduce your money fears.
I want to help solve these money problems with you.
This week, I’m offering a free copy of Invest and Beat the Pros-Create and Manage a Successful Investment Portfolio.
This book will give you all of the fundamentals, in plain language to create and manage your work place retirement account, Roth IRA, of discount brokerage account. From learning how to weed through the more than 7,000 mutual funds, to the difference between and stock and a bond, you’ll learn just enough to put your money future on a sound path to success.
Please, help yourself and pick up a free copy of Invest and Beat the Pros this week.
It’s one thing you can do to chip away at the money stress in your life 
Basics of Dealing With Money Stress
You Can Live Without Money Stress Learn where to get simple strategies to manage money, invest, and build wealth for better well being and health.
Add a comment...
Have her in circles
967 people
OneCent AtATime's profile photo
Amanda Smith (New Harmony)'s profile photo
Ali Qamar's profile photo
Sandra Mars's profile photo
Thomas Henderson Johnson's profile photo
Terrence Forest's profile photo
Ben Luthi's profile photo
Jennifer Willard's profile photo
Rich Uncle EL's profile photo
Portfolio Manager & University Lecturer
Investing, Portfolio Management, Writing, Publishing
  • Cadco, Inc.
    CFO, portfolio manager, 1998 - present
  • Barbara Friedberg Personal Finance
    Publisher, 2010 - present
    Barbara Friedberg Personal - Save, Invest, Build Wealth
Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
San Francisco Bay Area, CA
Barbara Friedberg Personal Finance - Save, Invest, Build Wealth
Portfolio manager, university Investments instructor & finance website publisher;
Bragging rights
"How to Get Rich; Wealth Building Guide for the Financially Illiterate" Editor and author of upcoming "Personal Finance: An Encyclopedia of Modern Money Management" (Greenwood, an imprint of ABC-CLIO, 2014)
  • Penn State
  • Miami University
  • University of Cincinnati
Basic Information
Other names
Barbara Fabe Friedberg
Barbara Friedberg's +1's are the things they like, agree with, or want to recommend.
Fund Your 401(k) Or IRA First? |

Whether you should fund one or the other first depends on how you answer these 10 questions. Learn more about retirement at

An Investing Strategy That Works - Modest Money

Guest contributor, Barbara Friedberg. Are you interested in an easy way to take part of your income, invest it, and have tens of thousands o

Dividend Stocks – How to Invest When Valuations Are Expensive

Now, maybe more than ever, dividend investors need to consider value, margin of safety, and asset allocation when investing in dividend stoc

StandUp For Kids - Silicon Valley

StandUp For Kids helps to stabilize and improve the lives of homeless and street kids in Silicon Valley and in cities across America.

How Do Car Loans Affect Your Credit Score?

Have a car loan? Ever wondered "How do car loans affect your credit score?" Find out how in this guest post by Carrie Smith!

Top 100 Most Influential Blogs That Can Teach You The Best Ways to Inves...

looking for the best ways to invest money? then read our Top 100 influential blogs that will help you invest and make make more money.

On Thanksgiving: Gratitude and Your Finances

One of the most interesting relationships is the one between gratitude and your finances.

How Downsizing to an Apartment Has Saved Us Money | Prairie Eco-Thrifter

My family and I recently moved across the country. While the cost of living in our new town in Pennsylvania is higher than we experienced in

Understanding Sequence Of Return Risk – Safe Withdrawal Rates, Bear Mark...

Watching a portfolio experience market volatility in the first few years of retirement can be terrifying to a new retiree, raising legitimat

Christian Personal Finance

Christian Personal Finance - Financial help blog, debt help and other financial resources

Am I The Only One That Waits On a Haircut Until I Have a Coupon?

[wp_campaign_1] Do you get a steady circulation of coupons in the mail? Do you ever find yourself waiting for one of those reoccurring coupo

Top Money Tips 3 August 2014

These are the five top money tips articles for this week selected by The Money Principle. Hope you’d enjoy them as much as I did.

Video: Driving a Clunker Saves Thousands of Dollars

This entry in the GOBankingRates Summer Savings Video Challenge comes from Barbara Friedberg. See her best tip for saving money.

The First Step to Getting Out of Debt

[wp_campaign_1] Have you been thinking about getting out of debt? I mean, you have entertained the idea before and paid a little bit toward

Does a Random Way to Get Rich Work? | Barbara Friedberg Personal Finance

Finance articles from Rick Ferri, Mike Piper, Harry Sit, Bret Ahrends, Austin Frakt, Alaina Tweddal, & Investor Junkie. Is there a random wa

The 14 Best Father’s Day Ideas That Rock! | Barbara Friedberg Personal F...

The best father's day gifts and activities. Great dad's day gifts he'll remember. Show father how much he's appreciated with these father's

ARE YOU CUT OUT TO BUY A FIXER UPPER? | Barbara Friedberg Personal Finance

The lure of real estate investing is great. This article outlines what it takes to buy, renovate, and resell real estate. Find out if this p

The Positive and Negative Impacts of Globalization; Financial and Other ...

The global economy continues to be in the forefront of the media. In a recent Wall Street Journal article, U.S. Firms Move Abroad to Cut Tax

How to Assess Your Investment Returns

Imagine the following situation: Jake’s retirement portfolio grew 30 percent during the year 2013. Sally’s retirement portfolio only grew by

Would You Invest in a 100 Percent Muni Bond Portfolio? | Barbara Friedbe...

Would you put all your assets in muni bonds? One reader did great, but future muni bond returns are uncertain.