Private equity is often the sign of a great company.  Venture capitalists, hedge funds, and private money do not just throw their massive amount of money around lightly.  Companies that have seen private equity investors have been a great idea as an investment because private equity firms are committed and invested for the long term. Many companies that have been backed by private equity loans have proven to be more efficient and have experienced a growth in their profits. These private equity firms often hire special management teams who help correct any deficiencies of the company and help make it grow in market share and profits.

For those businesses that are unsure of what to do when starting up, expanding the business, buying out a portion of the parent company, turning around a company, or buying into another company can often turn to private equity firms for help with their capital financing. It is often a much better choice than receiving loans from banks because the company receiving the loan would have to pay back the principal plus the interest in its entirety whether or not the business fails or succeeds. When a private equity fund invests in a company, the amount of money returned depends on the profits and growth of the company itself. Many private equity and venture capital firms hope for an initial public offering (IPO) to help pay them back for their capital invested plus interest.

Private equity firms exercise a good amount of due diligence before taking on any investments to make sure they are sound. By employing a team of researchers, they can identify such risks that are otherwise not detectable are addressed in order to increase efficiency in the firm. Having prior knowledge regarding buying and selling investments gives them an edge that they otherwise wouldn’t have had.

These private equity firms can also provide the management of the company they are investing in if needed. This could be advantageous for the private equity firm who would like their investment to behave in a certain way or transform into their way of thinking.  Since the investment is dependant primarily on the profits on the company, this could prove to be a win-win situations for both the investor and the company invested in as the profits would be higher thanks to the managers picked by the private equity and their hard work.

When private equity firms invest in a company before they go public, they have the advantage of not having to follow transparency standards that public companies must adhere to. They can completely concentrate on their task to reform the company without any unnecessary distractions from federal regulators.

While many private equity firms invest in companies long before they become public entities, there are still many public firms that have receive venture capital from private equity.  Private equity may be a great sign of a good potential investment.

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• MetLife survey – 20% of investors say they are now more disciplined and conservative as a result of the recession. #
• Recession has led 50% of Americans to lose faith in traditional retirement safety nets like defined benefit pensions, SS, and Medicare. #
• I absolutely love using @Dropbox If you have multiple computers, you should definitely check it out. Awesome! #
• Check out the 6 great new stats I've added! "The Top Fifteen Personal Finance Statistics That Will Blow Your Mind" http://bit.ly/3E6ibG #
• "Roth IRA vs. 401k Retirement Plan – Which Is Better?" Understanding them can make all the difference. http://bit.ly/3PRZQd #
• According to new MetLife survey, the recession has caused 54% of Americans to lose faith in financial institutions in general! #
• Tax Tips For End of Year – Take losses & gains, convert to Roth IRA, & see other tips at http://bit.ly/3dyDVj #
• RT @Creditloan: There are over 60 communities throughout the United States that have their own form of local currency. #
• The top 400 charities in th US expect declines in donations this holiday season of 9%. #
• 68% of investors place a greater importance on protecting their portfolios against market losses instead of maximizing gains. #
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• According to a recent MetLife survey, only 35% of investors have made regular 401(k) contributions and 13% increasing contributions. #
• RT @LendingClub Twitter Contest: 2 Weeks of Blissful Giveaways! Follow @LendingClub + RT 2 win DETAILS: http://ow.ly/ySq4 #
• RT @LendingClub Twitter Contest: 2 weeks of blissful giveaways! Follow @LendingClub + RT to win. Details: http://ow.ly/ySq4 #
• Check out my guest post, "Don't Be Tempted By The Glitter of Gold" on @Doughroller http://bit.ly/2Yp6kf #
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When things are not going well on the gridiron, many of the football team’s troubles can be traced back to a poor performance of the basics, the fundaments of the game.  In football, the basic building blocks of the sport are blocking and tackling.  Everything after that is a direct result of how well you perform those basic attributes of the game.  The same can be said for missions that the United States Army trains for.  When an infantry unit is having trouble with a complex mission, a lot of its troubles are usually the direct result of poor marksmanship, land navigation, communication skills, or some other basic military task that are vital building blocks of the larger mission.

The same can be said for personal finance and your money.  You need to have the blocking and tackling basic skills for your money down cold before you can move on to the more complex money issues and concepts.  How can you want to invest in gold or options trading when you still have $10,000 in credit card debt or do not understand the difference between a 401-k and a Roth IRA retirement plans?  You need to know the basics of money.

So, what are the basics of personal finance?

Spend Less Than You Earn.  This is the most important financial lesson to realize, and it usually takes years for us all to learn.  But, it is one that will change our lives for the greater good…more so than any other if we had learned it from early.  The average credit card debt per household was $8,329 at the end of 2008.  The longer you pay credit card companies and other consumer lenders 18% interest or more, the more difficult it will be to reach your financial goals such as retirement, college education, or other key life events.  For each year that you miss out on investing for your financial goals, you lose thousands in compounding interest.

Make Bill Paying Automatic.  I accidently forget to pay my electric and internet bills a couple of months ago.  I did not realize it until the next month’s bill came in the mail and the balance was double and included late fees.  I do not know why I didn’t have them paid online automatically, but I quickly fixed that problem.  Paying your bills automatically and managing your bank accounts online will help you keep your credit score in pristine shape and allow you to avoid late payment fees.  Making as many financial aspects of your life as automatic as possible will enable you to spend less money and save more.  It is all tied together.  When investments and bill payments leave your account without your input and are transparent to you, it was like the money was never even in the account to start with.  It was never missed.  If it is not missed, it will be easy to keep investing and saving or paying down debt with that money every month on autopilot.

Have A Budget.  Whether you believe in a firm, strict monthly budget or a loose guide budget type of structure, you cannot accomplish all of your financial goals and dreams without a game plan.  Your monthly budget is that plan, and you need one.  In order to get a handle on your money and how to make it work best for you and your investments, you need to know where all of your income is going out of your account as expenses.  How do you know if you are winning, spending too much, saving enough, have leaks in your accounts, etc. if you do not have a budget written down on paper? 

While these concepts may seem overly simple to a lot of readers, they are still not being done enough by most people.  Knowing these money basics and practicing the simple aspects of personal finance will allow you to build better investments, a larger nest egg, and higher returning portfolio.  Doing the simple things right will help you transition into a more complex financial system.

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Dollar cost averaging is one of the best secrets in being a successful long term investor.  It’s simple, it’s quick, and it is mathematically genius. Dollar cost averaging makes sense and works for investors who want long term stock and mutual fund appreciation.

Dollar cost averaging is a systematic, ongoing deposit of a specific amount of money at a specific time for a specific investment.  For example, contributing $200 on the 1^st of every month to the XYZ mutual fund of America is dollar cost averaging.  The contribution is made in the same amount, on schedule, and regardless of market conditions.  In this sense, the investor is in no way trying to “time the market” or try to recognize low points in the market to buy in.  On the contrary, the fund is purchased at whatever market price the fund is on the date of the scheduled buy.  Month after month, regardless of price, the same set dollar amount is spent to purchase shares of the mutual fund.

The beauty of dollar cost averaging is that when shares are expensive, you buy fewer of them, and when shares costs less, you buy more.  Over time, the costs of your various purchases and the number of shares you own average into what you hope will be a lower cost for more shares, than had you tried to time the market and buy at only the low points.

As an example, say you had $10,000 to invest in XYZ mutual fund.  Suppose you made one lump sum investment when XYZ which was trading at $50 per share at that time.  Ignoring fees associated with the purchase of the fund, you would own 200 shares at an average price of $50 per share.  But, suppose instead that you split that investment into two lump sums of $5,000 each.  You then purchased $5,000 of XYZ at $50 per share and another $5,000 of XYZ at $45 per share.  As with the previous example, you still invested $10,000 into the fund.  But, now you have 211 shares at an average cost of $47.50. You have more shares at a lower cost.

Though the above example is greatly simplified, with dollar cost averaging, this type of scenario is multiplied over years and years of investing to create a true average.  A retirement plan at work is a great example of dollar cost averaging that you might already be using and putting this theory to your advantage.  You can do the same with individual stocks you own by participating in the company’s dividend reinvestment program (DRIP) if offered.

This is the second weekly featured post on Own The Dollar from Sara Peak, a Certified Financial Planner and a veteran of the finance industry. In addition to her monthly “Money Matters” column in Kentucky Living magazine, she also writes about money and personal finance topics on her blog.

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With more job uncertainties than ever in our lives today and the recession on the tips of everybody’s tongues, it is always a good idea to save for a rainy day. It is not a case of if the next rain cloud is coming but when.  While some rainy days may not be as extreme as a job loss, people who do not prepare for storms in this tough financial climate we are in now are delusional. 

Prices are increasing as well, and luxuries that we once took for granted before now seem a little difficult to reach without overspending your budget unnecessarily. There are several discretionary spending items that we can control to help save for the impending rain.

Eating Out.  The first thing that can be done to save money especially during recession is to stop going out to eat as much. Eating out at restaurants or going to the movies and other places can make you dish out more money than you initially planned on doing so. On the other hand, if you stay home and eat, the money you save on not going out to eat or watch movies can be used to bolster your savings.

Track Every Dime.  Tracking you’re spending regularly can make all the difference in your budget.  Do you know how much your really are spending eating out?  It might surprise you if you are not tracking every dime you spend.  Try writing everything down for a month or even a week and see.  It will blow you away. 

Cut Expenses.  You can cut down unneeded expenses that can be avoided such as phone line services that you can do without, expensive toiletries, snacks, pricey designer clothes, and other things. Many times we all have trouble designating things in our budgets as wants and needs.  We think that they are needs, but many things really aren’t. Buy marked down goods and necessaries instead of designer ware. If you like to grab a coffee before going to work, then take a thermos full of coffee too work instead. It seems a little difficult initially but once you get the hang of staying within a lower budget, it becomes a lot easier.

Sell Stuff.  Saving accounts can also be given a good boost with garage sales. Take out all the clutter in your home that has no particular use (we all stick on to things that have no specific use) and hold a yard sale to sell it away. Not only do you make extra room in your house, but you can make money out of it. I have learned that if I leave items in a box from my last move for over a year, then I obviously did not need that item anymore.

Make Things.  Similarly making things can also prove to be a great idea for those who are looking to increase their savings account up a notch. Make handmade items using woodworking and many other talents may help you make a profit in these hard times.

Creating an extra income stream by selling items, filling out surveys online, and even freelancing on the side or online can help you save more money and to cushion the effects of any financial situation or rainy day that you may encounter. Make no mistake about it. The rain clouds are coming. They are always coming. But, are you ready?

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“Anyone with an engineering frame of mind will look at [accounting standards] and want to throw up.” – Charlie Munger

There are so many ways for companies to report different earnings on their Annual and Quarterly Reports than what is actually physically in the bank.  Generally Accepted Accounting Procedures (GAAP) is the standard framework of guidelines for financial accounting used in the United States. GAAP includes the standards, conventions, and rules accountants must follow by law when preparing financial statements for investors and other stakeholders.  The problem with these accounting standards is that they measure bookkeeping entries and not actual money in the company’s bank account.  Because of this (while a relatively simple answer to a complex question), investors must be cautious when using financial reports as the sole basis of investment in a company.  We must dig deeper than just the financial accounting that appears in companies’ financial reports.

“One should recognize reality even when one doesn’t like it.” – Charlie Munger

Even though hindsight is definitely 20/20, we all should have seen the problems coming in the housing market.  Home prices, or the price of anything for that matter, cannot go up forever.  We cannot continue to flip homes in a matter of weeks let alone days before the ink is dry on our originally closing documents.  We should have seen that nothing good could come out of no income verification home loans.  Charlie Munger says that a lot of times we see the writing on the wall about bad investments and bad ideas, but a lot of times we just do not want to recognize the reality that is staring us in the face because it is not as rosy as we would like.

“I remember the $0.05 hamburger and a $0.40-per-hour minimum wage, so I’ve seen a tremendous amount of inflation in my lifetime. Did it ruin the investment climate? I think not.” – Charlie Munger

I love this quote because everyone seems to be preoccupied with new worries of impending inflation.  I can remember my mother complaining about the price of movies that we have to pay now when we going to the movie theater.  She used to tell me that she would receive a dollar bill in the 1960’s from my grandfather and that would cover her ticket, popcorn, candy, and a Coke.  Now, you have to drop $40 on a date if you go to the movies.  But, has the world just gone off the deep end because of inflation?  No.  It is a normal function of a healthy economy.  In the example above, $1 movie in 1953 that costs $20 in 2009 dollars would require an inflation rate of 5.5% which is only slightly above the annual average for the CPI during that time of 3.8%.  Another interesting example…lets say the average 22 year-old graduates from college and earns $30,000 per year.  He could expect to earn $150,000 per year when he retires at age 65 thanks to an average annual inflation rate 3.8% (all other things constant).

Who Is Charlie Munger?  Almost anyone who fancies themselves an investor of finance junkie knows about the Oracle of Omaha, Warren Buffett, who is the Chairman and CEO of Berkshire Hathaway.  But, a lot of people do not know that he has a sidekick and longtime partner in the company’s Vice Chairman, Charles Munger.  Charlie Munger is a billionaire, who is Buffet’s right-hand man, and is considered one of the world’s savviest investors.  He is someone who has helped guide Buffet’s portfolio picks since 1959.  He is without a doubt Warren Buffett’s right hand man.

Do you have your own favorite investing quote or a favorite investor that you would like to see in this series?  I would love to hear it.  Please drop me a line in the comment section below or e-mail me.

Note – This is a series of posts on Wednesdays with quotes on investing from famous investors and people in finance.  Check out the entire series of Famous Investors’ Quotes.

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Estate planning is just as important as planning for retirement or securing the necessary insurance for your family upon your passing. Whether you want to create a simple will or establish a trust has a lot to do of course on the size of your estate. For instance, you’ll want to take into consideration the administrative abilities of any named trustees. If your spouse is a designated trustee but really doesn’t have the desire to handle the details of your estate upon your passing, it’s probably a good idea to appoint a co-trustee, such as a lawyer, who is better qualified to handle the management of your estate.

Executor.  Not to be confused with the trustee, an executor or personal representative should be named to make certain the assets are distributed according to your desires and that the subsequent filings are made in order to settle the estate. There is quite a deal of paperwork generally involved for someone accepting the role of executor.  So, it is a good idea you pick someone who is well-equipped to handle the responsibility.

Should you move, if you draw up a will in the state of your former residence, you’ll need to be sure that the will conforms to the laws where you’re currently living. That’s because wills are administered according to the laws in the state where you reside at the time of your death not in correlation to the laws of the state where they were originally created.

Trusts.  You may also want to provide provisions for a trust in your estate planning. Trusts are useful financial vehicles that provide for family members during your lifetime as well as upon your passing. Definitively a trust is helpful in assisting your spouse and children manage the holdings left to them. Therefore, by creating a trust you are in essence directing the disbursement of your property. If the trust takes effect while you’re still alive, it’s called a living trust. One that becomes effective upon your death is a testamentary trust.

Typically, a testamentary trust is suitable for small estates or for those individuals who want a way to distribute their assets to their children upon their death. In some cases, the trust is used to divide an estate to reduce taxes. If you want your spouse to have full control of the assets upon your death then you’ll want to consider setting up a general power of appointment trust.

One type of trust that is particularly useful to couples who have children from other marriages is a qualified terminable trust. By establishing this trust, the surviving spouse, as in a general power of appointment trust, controls the assets but upon their death, the trust proceeds will go to the children. This way, income can be disbursed to, say, your children from a previous marriage without the worry that they’ll be disinherited upon the surviving spouse’s death.

If you opt for a life insurance trust, your designated heirs will receive the principal amount of the life insurance that is placed in a trust upon the death of your selected beneficiary.  Should you wish to leave your money to a charity upon your death, then setting up a charitable remainder trust is a good option. With this type of trust, you can receive income during your lifetime and make provisions that the trust income be given to a chosen charity when you pass away.

If you haven’t yet drawn up a will or created a trust, it’s important you do so immediately. Talk to your spouse as to the disposition of the assets. Make sure both of you agree on this point. Also, list your assets, such as cash, savings accounts, stocks, bonds, IRAs, mutual funds, furnishing, autos, etc. List your assets as well as your debts or your mortgage and credit card balances.  Whatever plans you make with respect to your estate, it’s good to have all your ducks in a row so to speak. While no one wants to consider their own death, estate planning now is the most considerate thing you can do for your family or those people or organizations you leave behind when you die.

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Despite the crummy economy recently, many retailers are going to be adding seasonal workers to their employment rosters this holiday season.  In fact, 18% of all retailers recently said that they were going to need extra help this holiday season with temporary workers.  This is great news to the slew of unemployed workers who are out there currently looking for a job.  The bad news is that there are a lot of applicants for just a few jobs.  One recent study said that there were as many as six applicants per job opening currently in America.

Currently in the US, there are 15 million people unemployed, another 5.9 million underutilized or under-employed, and another 9.2 million part-time workers looking for jobs.  To say that this holiday season’s job hunt will be brutal is an understatement.  But, there are a few ways that you can set yourself out from the crowd and land that dream Christmas job this holiday season.

1. Start Earlier.  You need to start looking for your holiday job or second job this Christmas season now!  Many of the nation’s retailers are starting their sales and holiday promotions.  A lot of them are not waiting for Black Friday.  If you wait until Thanksgiving to start looking, you will be left out in the cold.  Start now!
2. Be Flexible.  If you want to set yourself off from the other job applicants, be flexible with your schedule.  If you have a wide range of hours that you can work, then you will be more likely to get hired.  Many retailers may not know how much help they need on any given day.  So, it might work to your advantage if you mention to the interviewer that you are willing to be “on call”. 
3. Look At Stores You Frequent.  One of the best places to find a job are at the stores that you frequent.  Employers value workers who already know about their products and services.  Then, they do not have to spend as much time training you on their businesses and wares. 
4. Look Beyond Retail.  Most people only think of retailers needing extra help during the holiday gift giving season.  But, there may be more opportunities at service oriented firms or shipping services.  Service companies I have known friends who get jobs at package shipping companies or delivery services who need the extra help moving the tons of boxes that they receive as people ship gifts around the country and around the world.
5. Make A Great First Impression.  You would think that I would not have to say something like that, but sadly I do.  Many young people think that they do not have try hard to land a part-time job during the holidays.  They think that there are a lot that will be just handed out, but that’s not true.  For once, employees need the employer more than the other way around.  If you arrive early for your interview, fill out your application neatly, dress well to the interview, have a firm handshake, look the manager in the eye, have confidence, etc. you will stand out above 90% of your competitors.  And, if you don’t think that this is a competition between you and the other 10% of America that are currently unemployed, you are making a tragic mistake.

If you follow these tips, you will have a leg up on most of your competition this holiday season.  While there may be only a few seasonal part-time jobs around this Christmas season, there are still a few to be had if you approach your job search in the right way.  Good luck.

A few bonus tips….

• Go back to where you have worked before.
• Think about food service related jobs.
• Consider outdoor seasonal jobs at ski resorts, etc.
• Look for a job helping people with their taxes.

Do you have any tips to landing a great Christmas job?  Share them with us in the comments section.

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For those who are looking to purchase a new car, your choices are to either take a loan or a lease. But, sadly most of the buyers out there do not even know the difference between a loan and a lease. For starters, loans are where the bank pays for the items, and you pay the bank back in installments with interest. Leases are payments you make to the leasing company who actually buys the asset from the seller, and payments are made over the lifetime of the use of that item.

In loans, where the bank pays for the asset (such as a car) upfront, the amount they pay is known as the principal. In leases, you pay for the depreciation of the asset during use rather than the actual purchase price, and that is one reason why the monthly minimum payments for leases are less than car loans. There are many significant differences between both types of borrowing and can affect the decision you make for your purchase.

Lease Terms & Types.  Lease terms usually range from 2 to 4 years whereas loans are normally repaid in 4 to 6 years. With this shorter term and lower monthly payments for leases, anyone opting for a lease can afford to buy a new and more expensive car every 3 to 4 years. But, you are not the owner when you lease.  So, in most cases, you have to give the asset back to the actual owner no matter how much you equity is still in the vehicle.  That is not the case with car loans where higher monthly payments make getting new cars every few years more challenging.

Costs.  Leases sound very attractive to those who would like to purchase new cars every few years. But, every good has its bad points.  Like stated earlier, at the end of the lease you would have to return the car back to the institution you leased it from. This is where loans seem more appealing.  When you purchase a car with a loan, the car is actually yours. Upfront costs for leasing include a monthly payment, down payment, security deposit, taxes, and registration fees. There is also a limit to the amount of miles you can actually drive the car while it is in your possession.

Monthly Payments.  Monthly payments for leases are calculated by including the depreciation of the vehicle for the lease term, rent charges, taxes, and other charges. Loan payments include the total purchase price, interest charges, taxes, and other fees in its monthly calculations. The main difference with loans is that you grow your equity in the asset with every payment until a lease where you never own the car.  Usually loan payments are more expensive than lease payments.

There are many significant differences between both types of borrowing and can affect the decision you make for your purchase.  Knowing these differences can help you make the right purchasing decision in your own personal situation.

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