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Why am I my blogging?

TIP Guy 16 May 2009 admin 19 Comments

In one my earlier post, I discussed about questions that I receive and try to answer each one of them with sincere efforts. I have discussed questions related to my time management. In today’s post, I will discuss about questions related to “Why I am blogging?” I have attempted to group them as much as possible.

What’s your interest in sharing all these information? I am asking because I want to know whether you will also ask for subscription after sometime.

As the slogan of my blog goes; it is my journey to build and sustain an income portfolio. I am using online blog method to document my journey. In the process, I hope (a) to continue my learning process; (b) to continue to monitor my progress; (c) to make friends who are interested in learning about long term investing; (d) to share our winners; and (e) to share our losing strategies so that we do not make similar mistakes.

I am in no way an expert in investing. However, I do believe that I am patience, analytical, and capable of taking my own investing decisions. I am willing to accept my mistakes. I am willing to learn from others.

We see that you have closed your “my portfolio” section. It is now password protection. Does this mean you are planning for subscription based service?

I had temporarily closed. It is now open. I have modified it to reduce exposure to my personal details. I do not have plans for subscriptions. It is free for readers of this blog. Continue reading rest of this article…

How do I Manage My Time?

TIP Guy 19 April 2009 admin, commentary 8 Comments

I receive questions and comments on my posts and many times in emails. I am actually surprised how often “Contact” on Menu Bar is being used. It receives third most popular clicks.

I try to respond to almost all of these questions and comments as honestly and as timely as possible. I also know that I may not be able to meet some the expected answers. If that’s the case, then it’s because of my misinterpretation or may be I did not communicate properly. The questions I receive can be classified into three distinct groups, viz., (1) questions related to my time management; (2) questions on my stock holding and my portfolio management; and (3) why am I blogging?

In today’s post, I will discuss about questions related to time management. There are subtle differences but in the end they all are related to how I manage my time. Continue reading rest of this article…

TIP Blog is One Month Old

TIP Guy 28 March 2009 admin 4 Comments

It has been just over one month since I started actively posting on The Income Portfolio (TIP) Blog. It is a very short time frame, but it feels like I have been doing this for a long time.

So far…

I started slowly with about one post in a week. In the third week, I got hooked and started posting more frequently. I did not have much content on my blog spot and hence, there was practically no traffic and subscriber list was empty. Continue reading rest of this article…

Book Reviews

TIP Guy 7 March 2009 admin No Comments

Being an avid proponent of do-it-yourself investing, whenever I read any financial or general economics book, I am continuously attempting to put the subject matter in the context of my personal investing process or personal investing decision making process. I am trying to figure out if it should have any influence in my investment process. Of the many books that I have read in recent past, there are two books that really made me think, what a lesson for individual investors. These two books are:

  • “When Markets Collide – Investment Strategies for the Age of Global Economic Change” written by Mohammed El-Erian.
  • “Unconventional Success – A Fundamental Approach to Personal Investments” written by David F. Swensen.

In next post and/or in near future post, I will be:

1. Summarizing the main themes of the book;

2. Presenting my interpretation from dividend-investing perspective; and

3. Discussing whether it has any influence on my investing process (if any).

So stay tuned!

Various Participants in Financial Industry

TIP Guy 20 February 2009 admin, commentary 10 Comments

What do I think about Financial Advisors/Planners/Brokers, mutual funds, portfolio managers, etc?

My primary source of income is my engineering career and as everybody else, I work hard to earn it. So why not work hard to use my hard earned money to invest it the way I want, the way I like, and not get biased by somebody else. I know what is important to me and what has relevance to me. I fail to understand how can an outside advisor tell me what is good for me. The whole investment industry works on fees and commissions, and hence the likelihood of swaying away from your own investment goals is very high. Additionally, the historic data seems to suggest that majority of the mutual funds (or portfolio managers) are not able to beat the general market indexes. So why should I pay fees, commissions, loads, etc. for this under performance. Why I shouldn’t just buy the low cost index fund? I read an article sometime back (forget to bookmark it) that one investor had significant reduction in value of its mutual fund holdings, but had to pay short term capital gains tax. While devil is in the details, but I thought that was little contradictory to me. To me, if one charges a fee for the service, I expect some level of quality behind that service. Perhaps financial advisory/planning/brokerage is the only industry, which does not stand behind its product (or service). Would you buy anything when the service provider or seller tells you upfront, that he cannot stand by it or held accountable because of such and such risks? Sorry, I don’t buy such products.  Continue reading rest of this article…

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