Thanks for stopping by the only investing website on the 'net designed by working folks for working folks. As more and more companies dump their old guaranteed pension plans and move their employees into 401(k) retirement plans, it's more important now than ever to learn how to manage your own investments. Come on in and get started!
We'll show you how to get a better understanding of the markets and become a confident, competent investor. And we lay it all out for you in plain English (well, a Southern variety of English, anyway). Hey, you work hard for your money - learn how to make your money work hard for you!
Happy Birthday...To Us!
As we celebrate the ‘birthday’ of hardhatinvestments.com, we thought it would be a good time to remind everyone what we do here…and maybe more importantly, what we don’t do. In fact, let’s start with that – what we don’t do!
> Would you like to learn how become a gazillionaire in the futures market?
Nah, we don’t do that.
> How about getting rich investing in ‘penny stocks’?
Umm, we don’t do that either.
> Maybe you’d like to find out how to convert your entire life savings into
gold bullion so you can stash it away somewhere.
Nope, can’t help you there.
Would you like to learn the basics about the stock market and your 401k or IRA investments? Well, you’ve come to the right place!
7 years ago, we launched this site with one purpose in mind: to convince ordinary, everyday working folks that they could learn to take care of their own investments. We wanted to take the mystery - and fear - out of understanding how markets work and how money moves…especially our hard-earned money!
Along the way, we’ve taken in all of your feedback, suggestions and encouragements to fine tune our message and our delivery. We hear you when you say:
“I don’t have the time to learn this investment stuff.”
“Learning to understand the stock market is too hard.”
“Reading and studying about investing is just plain boring.”
The first 2 excuses are just that – excuses. Saying you have to turn yourself into a financial wizard to be able to take good care of your portfolio is like saying that you have to graduate from culinary school to make a good omelet on Sunday morning. A grasp of the basics, a little experience and you’re good to go (with both!).
As for the last one, we have to agree. A lot of this stuff is boring. And that’s why we try to deliver information in various ways -
> our ‘hardhatinvestments Facebook page’ provides a more ‘hands-on’ feel to the learning process – it gives us the opportunity to connect more personally with our readers and to keep them up-to-date with current market conditions
> ‘hardhatinvestmentsTV’ is our YouTube channel featuring easy-to-understand videos about much of the market info we present on the website
> ‘hardhattweets’ is our Twitter feed, although we only use it to alert followers when new content is posted on the website (long term investing is by definition a long, slow process – something not done at ‘Twitter speed’!)
> and finally, we’re just getting started with SlideShare, but our ‘hardhatinvestments Presentations’ offer a simpler, quicker way to learn about the markets and investing
Never before has there been a time when it is so important to learn how to take care of your own investments. No one – no one – will watch after your money more closely than you will. Even if you are a ‘buy-and-hold’ investor or you let someone manage your money for you, you still need to have at least a basic understanding of the markets…for your own good.
For 7 seven years now, our website has tried to provide a bit of that basic knowledge and guide readers to other resources that we hope infuse the learning process. Thanks for sticking with us and thanks for telling others about us – we plan to keep chugging away here for many more years to come.
NEWS YOU CAN USE
"These 10 Companies Offer the Best 401k Plans"
"Charles Schwab Launches
Hybrid Human-Robo Financial Advice"
"Pimco Revamps BOND ETF"
"How to Transfer Your IRA or 401k"
from US News & World Report
"TD Ameritrade Joins Fidelity, Schwab in Slashing Fees" from Investor's Business Daily
VIEWS YOU CAN USE
"Who Has the Cheapest Funds?
It's More Complicated than You Think!"
"Top 4 Alternative Investments to the Stock Market"
"An Active Voice for Bonds"
"Is Investing $25 a Month Worth It?"
"The Only 3 Vanguard Funds You Need to Build a Portfolio" from Kiplinger
Spring Reading List
'Tis the season for new beginnings! Plant some seeds of knowledge with any of these fine investing books, then reap what you sow!!
Get smart about your money!!!
>>>>> And just so you know:
Clicking on these book images takes you to Amazon.com via our affiliate link. You won't pay a penny more for what you buy, but we do get a few coins for sending you there - and that helps us cover the costs of keeping our website running free!
Here are a couple of very simple retirement calculators courtesy of our friends over at Calculator Pro.
Here are the figures we used:
> Required Annual Income: we put in what we're making now (we don't buy into that "plan to spend 70% of your working income in retirement" idea!)
> Years until Retirement: we shot for age 65, but who really knows, right?
> Years after Retirement: we sure hope to have 20 good years of doing what we want to do!
> Annual Inflation: we used 3.5% (maybe go a tad higher to be safe?)
> Annual Return on Balance: we used 7% (maybe go a tad lower to be safe?)