The following post is a contribution from Gary, a personal finance blogger who focuses on investing, saving, real estate, credit and debt, career and education advice, budgeting, and insurance at Gajizmo.com. Gary has worked at an internet company on their M&A team, as well as two private equity firms, and has a Real Estate Broker’s License.
Investment funds allow small and large investors to pool capital together and enjoy higher investment returns with lower risks than private brokerage accounts. Mutual funds offer many benefits, such as easy diversification of securities, professional management, lower trading fees and costs, and increased liquidity. However, investing in these funds requires research. The type of fund an investor chooses should fit his/her financial goals – capital growth vs. income – and investment philosophy, such as managed vs. passive, industry focus, growth vs. value vs. dividend stocks, types of securities purchased (stocks, bonds, REITs, commodities, etc.), and the size of companies in the portfolio.
Thank you for being patient with me and returning this week to see the unveiling of my niche site. If you’re just now joining me, then you should know that last week I talked about how I was finally going to get to work on the next of my 
How good does it feel to finally say you’re done with your income taxes and they are turned in? I’ll be honest: I wasn’t looking forward to it this year.
Allow me to be your Dad for a minute and tell you that if you haven’t setup a Roth IRA yet, then what are you doing?!
With 
I hope everyone had a fun Valentine ’s Day. Anytime a holiday happens during the week (like Halloween), I feel it really takes something out of it when you have to go work / school. Regardless, we still had our annual “Love Day” dinner (as the kids call it) of spaghetti, meat sauce, and bread. Mrs MMD did outstanding as always and it was all very delicious. Now that it has came and went we can look forward to March coming around the corner and with it the first signs of somewhat warmer weather.
The Internet has undeniable changed many things about our lives. We can find people we havn’t seen in years. Information is available right at our fingertips. Even the post office is going to eliminate one day of delivery because so many people just use email or automatic bill pay.
The following post was provided by a guest contributor. If you are interested in being a guest contributor for My Money Design, please feel free to 
If you had a really large sum of money, would you know what to do with it? Would you really?? This might seem like one of those “pass the time” type of discussion topics, but I’m afraid that sooner rather than later a great deal of us are going to need to know how to invest a million dollars or so. It will be kind of like handling a bazooka and not really being sure what to do with is. Why do I think this will be happening?
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