I currently have a job, I have no debt, and I have some money. I have money saved in various financial vehicles. Are they doing well? What's the best thing I should be doing with my money? When is a good time to buy or sell funds? What type of funds are best for me? What are the tax ramifications of the different things I'd like to do? Should I roll over a 401k into an IRA? What should be my financial goals? Would working with a financial planner be worthwhile for me and worth the cost?
I'm looking for answers to these questions. I have been my own financial planner and never thought too deeply about these things. Not much thought was needed since I am saving and things have been OK financially for me as far as I can tell. I traded stocks and got crushed in the tech bubble. Since then I've been passive on what I'm doing with my savings; generally I'm risk averse.
I am planning on being more proactive with my finances from 2012 onward. This blog will help me organize and track my ideas and analyze the results my actions.
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