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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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Earn More by Rebalancing Your Asset Allocation
Raise your had if you want an extra one quarter percent return on your portfolio every year? It takes about an hour and you can get this extra return every year. I know, it’s not much, but with interest rates in the basement, every little bit helps.
First, a bit of investing background.
What is Asset Allocation?
“Don’t put all of your eggs in one basket.”
This old adage describes  the best way to boost investment returns. Diversify your investments among stock and bond index funds and you’ll cushion the volatility and boost returns. Imagine, over the last decade if you invested only stocks, your returns would have been in the low single digits. If you added some bonds to your portfolio, your investment returns go up a few percent.
Modern investing portfolio theory recommends determining your risk profile and then divvying up your portfolio in line with your risk level. In other words, if you can handle a bit more volatility in your investment returns, you want more stocks in your portfolio. Terrified of the cyclical ups and downs in your investment value, invest a greater percent in bonds.
Learn how to rebalance your asset allocation! It's so easy and it could boost returns and reduce investment ups and downs.
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We asked the biggest personal finance writers and bloggers to admit to the weirdest thing they've done to save money.
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Personal Finance: An Encyclopedia of Modern Money Management {The Backstory}

I've thought of my career as that of a baseball player.

But not one of the home run sluggers like Barry Bonds, Hank Aaron, or Alex Rodriguez. Sure, I've had my good days career as an investment and finance professional - like the days I get a emails that say my financial expertise has helped a reader or two. The day I was asked to write for Investopedia.com was also exceptional. But in general, I don't expect my writing to go viral or my books to hit number one and stay there forever (although I did have a few number one days for each of them).

And that's okay.

I look at my work like a plodding singles hitter with a solid, not stupendous batting average-someone with longevity. You know, the type of player who shows up on time to the field, doesn't miss a practice, contributes to the team, but isn't necessarily a star. 

This is how Lyle Spencer of MLB.com recently  described the single hitter in "Singles Hitters Deserve Just Due for Underrated Stat".
Personal Finance: An Encyclopedia of Modern Money Management {The Backstory}I've thought of my career as that of a baseball player.But not one of the home run sluggers like Barry Bonds, Hank Aaron, or Alex Rodriguez. Sure, I've had my good days career as an investment and finance professional - like the days I get a emails that say my financial expertise has helped a reader or two. The day I was asked to write for Investopedia.com was also except...
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Barbara Friedberg

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I've thought of my career as that of a baseball player.

But not one of the home run sluggers like Barry Bonds, Hank Aaron, or Alex Rodriguez. Sure, I've had my good days career as an investment and finance professional - like the days I get a emails that say my financial expertise has helped a reader or two. The day I was asked to write for Investopedia.com was also exceptional. But in general, I don't expect my writing to go viral or my books to hit number one and stay there forever (although I did have a few number one days for each of them).

And that's okay.

I look at my work like a plodding singles hitter with a solid, not stupendous batting average-someone with longevity. You know, the type of player who shows up on time to the field, doesn't miss a practice, contributes to the team, but isn't necessarily a star. 

This is how Lyle Spencer of MLB.com recently  described the single hitter in "Singles Hitters Deserve Just Due for Underrated Stat".

"It wasn't featured on the highlight shows, so a fairly significant milestone was achieved with limited notice when the Yankees' Ichiro Suzuki passed Hank Aaron for 13th all-time in singles with No. 2,295 in Detroit on Tuesday.

That's right. Aaron stroked 2,294 singles along with his 755 home runs. Singles were valued in his day. Hammerin' Hank produced 799 more singles than Barry Bonds, the man who usurped his home run crown. Free-swinging Vladimir Guerrero also produced more singles than Bonds, along with 203 other players in history."  

Lyle Spencer described my career quite aptly when he said singles aren't particularly appreciated today.
Personal Finance: An Encyclopedia of Modern Money Management {The Backstory}I've thought of my career as that of a baseball player.But not one of the home run sluggers like Barry Bonds, Hank Aaron, or Alex Rodriguez. Sure, I've had my good days career as an investment and finance professional - like the days I get a emails that say my financial expertise has helped a reader or two. The day I was asked to write for Investopedia.com was also except...
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Launched today! Personal Finance: An Encyclopedia of Modern Money Management. Congratulations to all the contributors http://www.amazon.com/Personal-Finance-Encyclopedia-Modern-Management/dp/1440830312
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The I Hate to Save-Kick in the Butt
Latest news just in from Sun Trust Bank Survey: “Many higher income households are living paycheck-to-paycheck”
We are notoriously bad at imagining our future. In fact I remember playing with my Great Aunt as an 8 year old and thinking, “I’m never going to be this old, ever”. Then I remember thinking about how old I’d be when the new millennium came, and the same thought reoccurred, “I’ll never be that old”.
This inability to image the future is a problem.
Whether you can imagine it or not, the future will come for most of us, and along with the future will come kids, bills, vacations, homes, expenses, and ultimately retirement. During those decades there’ll be plenty of upsets, smaller problems like a blown tire to life changing medical scares, and retirement.
Here’s the deal, if you ignore the future, or avoid it, you’re going to have problems.
The saving secret worth $366,000 is about one small lifestyle change. It's something anyone can do, and literally takes just about an hour a day or less.
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The Future of Financial Innovation
Finovate travels around the world collecting and showcasing the new and noteworthy financial products and innovations. Some of the presenting companies have been around awhile such as Yodlee, who’s looking to urge consumers to make wiser financial choices and Lending Tree, which is striving to help the consumer with better lending choices. The majority of companies are demonstrating new product launches.   
The companies traverse the financial landscape, with Draftapp’s revolutionary investment fee and comparison tool to Money Amigo who’s attempting to level the playing field by giving the under-served markets access to low cost financial services.  StockViews gives the user crowd sourced investment opinions and TickerTags scours the internet for trending information on investable companies to give greater financial information to investors.
Finovate-a quick fire look at the latest-greatest financial innovations. From crowd funding for patients to investment comparison apps there's a bit for all.
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9 Best Mother’s Day Gifts + Activities
By Barbara Friedberg in Tips, Wealth | 1 comment
9 Ways to Treat Mom this Mother’s Day – Without Braking the Bank!
Mother’s Day was always a holiday I enjoyed celebrating as a child. Although every day of the year is a time to show mom how much you appreciate her, there was something special about giving mom her own day.
The best Mother’s Day gifts bring the family together, create special memories, and true wealth.

A handmade card, sign, or a bouquet of flowers picked directly from the garden – the one mom grew herself, ironically – were perfectly acceptable Mother’s Day gifts when I was a child, but buying grown-up gifts for mom can be even more fun. The best part about Mother’s Day is that these gifts do not have to be expensive or cliché at all!
Here are  the best Mother’s Day gifts -without going to the poor house!
The Best Mother’s Day Gifts + Activities
1. Combine Gifts with Experiences
In the busyness of daily life it can be easy to forget to spend time with the woman who raised us. Even though mom might love a card and flowers, you can pack a bigger appreciation punch by giving mom gifts that mean more time with you.*
The best Mother's Day gifts make Mom the star and create family time wealth. These creative Mom's day gifts will create a special memory that lasts.
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Investors with $50,000 and up can pay as little as 0.30%, or $150, a year for use of the hybrid advice platform
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by Barbara Friedberg

Bernie Madoff, the once highly regarded investment advisor turned Ponzi swindler, exemplifies the dark underbelly of the financial advisor field. At first, Madoff appeared to be the perfect financial professional for his clients. The rich and elite had no idea their stellar returns were funded by incoming Madoff investors. If the wealthy elite can get snookered by a financial advisor, what’s to protect the average individual from the same fate? Beware of financial advisor scams and learn how to protect yourself.

PONZI SCHEME
According to the Securities and Exchange Commission (SEC), “A Ponzi scheme is an investment fraud that involves the payment of purported returns to existing investors from funds contributed by new investors. Ponzi scheme organizers often solicit new investors by promising to invest funds in opportunities claimed to generate high returns with little or no risk.” The Ponzi scheme is a classic scam and incorporates components of other scams as well. The investment proceeds in this classic scam are simply the new investors monies doled out to existing clients. Without fail, the initiator of the Ponzi scheme siphons money off to fund an extravagant lifestyle. (For more, see: Biggest Stock Scams.)
Investors need to be wary of financial advisor scams. Here are the most common and how you can protected yourself.
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How Does Insurance Translate into Retirement Savings?
by,  Barbara A. Friedberg
Most people think of the “death benefit” when purchasing an insurance policy. In a simple term insurance policy, you pay money now so that when you die your beneficiary gets the insurance benefit. There are other types of insurance which may be suitable as part of your retirement income stream.

Cash value life insurance is a form of ‘permanent’ (includes whole and universal) life insurance. Part of the insurance premiums are invested in mutual or investment funds, designed to increase in value, boosting the ‘cash value’ portion of the insurance policy. The money in the policy grows tax free, similar to the funds in an individual retirement account or 401(k).

At a later date, you may withdraw some of the funds from the cash reserves of the insurance and use the money as retirement income. (For related reading, see: Permanent Life Policies: Whole vs. Universal.)
So you've contributed the max to all available retirement vehicles...now what? Consider a permanent life insurance policy (and its fee structure).
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Top Money Sites for Millennials {To Get You Out of Mom’s Basement}


Are you a millennial hoping to get a decent job, find a partner, make some money, buy a house, and get off Mom and Dad’s couch? Then this article is for you. 
In order to be successful in life, you need to take care of life’s basics. You likely realize that childhood is over and it’s time to step up and take responsibility for your life. Here are the top sites to give you guidance, information and the nudge you need for financial success.

Top Money Sites for Millennials
The College Investor-Robert Farrington, founder of this site is a model money educator for millennials. He offers a wealth of free tools and advice geared towards those diving in to adulthood. In particular, his Ultimate Guides are gems; The Ultimate IRA Contribution Guide, The Ultimate Guide to Saving for Retirement, and The Definitive Guide to Student Loan Debt are great places to start.
Stacking Benjamins-Joe’s blog is always a fun read. With actionable and sensible information, his site reads like a magazine, you don’t want to put down. Not only does Joe’s advice shine online, but he’s author of several well regarded podcasts. And if you’re looking for a ‘money course’ he’s out with a new one. My take, you’ll learn something about money and have some fun along the way.
Frugal Confessions-Amanda drills down into living large on a budget. She knows how to squeeze every last cent out of a nickel, while having extra cash for luxuries as well! I can vouch for her Drugstore Game Book and her kits and courses will set you on sound financial footing. She’s traveled the world, saved while unemployed and is willing to teach you, as well.

and More
Top money sites for millennials will get you on sound financial footing-with a smile on your face. Learn everything 'money + investing' from these top sites.
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Have her in circles
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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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Whether you should fund one or the other first depends on how you answer these 10 questions. Learn more about retirement at Bankrate.com.

An Investing Strategy That Works - Modest Money
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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
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How Do Car Loans Affect Your Credit Score?
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Top Money Tips 3 August 2014
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Video: Driving a Clunker Saves Thousands of Dollars
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This entry in the GOBankingRates Summer Savings Video Challenge comes from Barbara Friedberg. See her best tip for saving money.

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The 14 Best Father’s Day Ideas That Rock! | Barbara Friedberg Personal F...
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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
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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 ...
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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
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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...
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Would you put all your assets in muni bonds? One reader did great, but future muni bond returns are uncertain.