New Year 2009 $$$ resolutions

1. Update my debt-reduction savings goals

• Some Tools I'm Using Now: SmartyPig (3.90% APY; FDIC Insured) and HSBC Internet Banking (2.28% APY Checking; 3.03% APY Savings)
• Or if you are in debt: Digging Out Of Personal Debt

2. Reallocate and Rebalance my investment portfolio (currently 100% domestic stocks)

Section 1: An Introduction

1. Introduction to Asset Allocation
2. Introduction to Rebalancing Portfolios

Section 2: Simplified Theoretical Stuff (Stuff You'll See In Your Econ or Business Classes)

1. Disclaimer and General Philosophy
2. Consider Simply Buying The Entire Market
3. Efficient Frontier and Modern Portfolio Theory

Section 3: Choosing An Asset Allocation

1. Deciding On The Stocks/Bonds Ratio
2. Deciding On The Domestic/International Ratio
3. Considering The Diversification Benefits Of Small and Value Stocks
4. Equity Asset Allocation: Comparison of 8 Model Portfolios
5. Investing In Real Estate Through REITs?

Section 4: Strategies

1. Capitalizing on Seasonal Effects (i.e. small cap and value stock rallies in January)
2. Read and learn more strategies!

3. Think About Plan for Retirement (for 20-Something Year Olds)

4. Learn more about analyzing financial statements (fundamental anaylsis)

NOTE TO CAL STUDENTS: Take UGBA 102a: Intro to Financial Accounting. You won't regret it.