Marygold & Co. News

financial spring cleaning
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Financial Spring Cleaning

Spring is the season for cleaning and that shouldn’t just end at home. Your finances should go through a little spring cleaning themselves. Having an organized financial life can help you better understand the flow of your money. Tracking…
reversion to the mean

Reversion to the Mean

A basic thesis on Wall Street is that what has worked well in the last market cycle is likely to underperform in a new cycle, and conversely, the underperformers of the last cycle can or should be the outperformers of the new cycle. The basic…
how to keep money

How to Keep Money

“How did you go bankrupt? Bill asked. “Two ways”, Mike said. “Gradually and then suddenly.” - E. Hemingway, The Sun Also Rises (1926) Once we make some money, how do we keep it? There are many articles written about how to make…
investing vs speculating

Investing vs Speculating

“We engage in the folly of short-term speculation and eschew the wisdom of long-term investing.  We ignore the real diamonds of simplicity, seeking instead the illusory rhinestones of complexity.” - John C. Bogle, Enough: True Measures…
contactless payment

Is Contactless Payment Safe?

Thanks to COVID-19, most of us really don’t want to hand our card to someone or touch a potentially contaminated PIN pad on a POS device.   Questions about passing germs and touching common surfaces have boiled to the top of our everyday…
keep more of your paycheck

How to Keep More of Your Paycheck

Budgeting your paycheck is something everyone should do, but it doesn’t mean everybody does. Sometimes, the hardest thing about saving is starting. If you find yourself spending beyond your paycheck, stretching it way too thin, or not contributing…
NFC

NFC Payment

Have you ever seen that icon on your credit card with frequency wave-like lines, similar to the WiFi icon, but sideways? That means your card is enabled for NFC payment. But what exactly does that mean? What is NFC? Near Field Communication…
what does it mean to be FDIC insured

What Does it Mean to be FDIC Insured?

If you’ve ever opened a savings or checking account at a banking institution, you’ve likely stumbled across the phrase “FDIC insured”, but what does that mean for you and your assets? What Does it Mean to be FDIC Insured? The term…
how to control spending habits

How to Control Spending Habits

Spending vs Saving Habits Americans are spending on average almost 80% of what they earn. This leaves little for an emergency fund, retirement, or savings for big-ticket items like a house, a car, or an appliance. The situation is not improving.…