The Facebook IPO has many investors excited about the possibility of getting in on the ground-floor of what may be a world-class company. While IPOs are exciting, few investors have the opportunity to buy shares before price is bid up. Most investors will be better off avoiding IPOs and sticking with a long-term plan.

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Understanding the risk premium of the stock market and what it means for individual investors is important in calculating expected returns, however it is a number that is difficult to trust. In the end, investors must always use common sense when making important financial decisions.

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Treasuries (U.S. Treasury Bonds, Notes and Bills) are not the only choices for investors at or near retirement, but they provide the safest place to preserve your capital.

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The formula for successful investing is simple. However, executing the plan requires some work and patience, two qualities not in abundance these days. Three steps to successful investing sounds too simple, but they work if you stick with the plan.

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