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Quarterly Update

Created on Tuesday, 08 January 2019. Posted in Content/our blog

... the past several years and the uncertain path for future increases continues to make bond and stock investors nervous. The outlook for economic growth is currently solid but some analysts are warning ...

Happy Holidays

Created on Tuesday, 18 December 2018. Posted in Content/our blog

I've always felt a sense of inertia during the holiday season. Thanksgiving passes and then time seems to speed up as the end of the year rapidly approaches. As I've done in prior years, my plan is to ...

Don't Believe the Hype

Created on Tuesday, 11 December 2018. Posted in Content/our blog

... in recent years. Yes, we've had periods of volatility, but they've generally been short-lived. What we've had more of are longer periods of calm. Since markets can't stay quiet and increase in perpetuity, ...

Round Three

Created on Tuesday, 04 December 2018. Posted in Content/our blog

... $5,000 and the money grows to $10,000 over ten years. Then say you'd like to take a trip to Europe with your spouse to celebrate the two of you finally retiring. You cash in the Roth IRA, withdraw the ...

Happy Thanksgiving

Created on Tuesday, 20 November 2018. Posted in Content/our blog

... wait to get paid back, often over many years. This represents a risk for the lender, so they charge you interest as compensation. Your purchase price is divided over a fixed period, say 360 months, and ...

Picking Out the Good Stuff

Created on Monday, 05 November 2018. Posted in Content/our blog

... out there, but sometimes we have to look for it. We learned last week that our economy is continuing its strong run of over eight years of job growth. Our economy isn't perfect, of course, nobody's is, ...

The Search for Silver Linings

Created on Monday, 29 October 2018. Posted in Content/our blog

... recession for years, and there are always geopolitical tensions somewhere. In some ways, the increase in volatility in recent weeks could be just as much a reflection of the fact that volatility has ...

Updates to Social Security & Medicare

Created on Tuesday, 23 October 2018. Posted in Content/our blog

... equity investors is today, as it represents the anniversary of the 1987 stock market crash 31 years ago. When you consider the fact that the S&P 500 fell 20% in a single day back in October 1987, the ...

Volatility is Normal

Created on Monday, 15 October 2018. Posted in Content/our blog

... streak in nearly two years. A combination of factors has led to this sell-off including fears of an overheating U.S. economy, Chinese economic deceleration, negative effects of tariffs on corporate earnings, ...

The Expectations Game

Created on Monday, 08 October 2018. Posted in Content/our blog

... realized premiums may be positive in some years and negative in others. You may even experience a negative premium for several years in a row. For example, the probability of a positive small cap premium ...

A Trip Down Memory Lane

Created on Monday, 17 September 2018. Posted in Content/our blog

... celebrations to remember happy times, this one has tended to give me the chills. It was, after all, ten years ago this past week when Lehman Brothers was allowed to fail and the global economy felt like ...

What’s with Emerging Markets?

Created on Tuesday, 11 September 2018. Posted in Content/our blog

... This outperformance is expected to continue. Compared with growth assumptions for U.S. stocks of about 6.5 – 7.25% on average over the next ten or so years, EM is expected to grow by 8.25%. But higher ...

CDs Versus Bonds

Created on Tuesday, 04 September 2018. Posted in Content/our blog

... to see how bonds behaved over the last five years and you'll see how the higher return from bonds adds up. If bond investors jumped ship to buy CDs, they'd be missing out on higher returns over time. ...

Stashing Cash

Created on Tuesday, 21 August 2018. Posted in Content/our blog

...  For years the national average 1yr CD rate was well below 1% but now it's closer to 2%. While they could climb higher in the near-term, yields are high enough to consider for some of your emergency fund ...

Monday Morning Quarterbacking

Created on Tuesday, 14 August 2018. Posted in Content/our blog

We've all heard stories about folks still working in their golden years because they can't afford to retire. While this is often due to forces beyond their control, there are also common but avoidable ...

When Bad News is Good News

Created on Monday, 09 July 2018. Posted in Content/our blog

... during the Financial Crisis, the so-called headline unemployment rate, or the number most often quoted by the media, had been declining for years as people laid off during '08 and '09 finally found a job ...

Quarterly Update

Created on Tuesday, 03 July 2018. Posted in Content/our blog

... which can lead to an inversion. An inversion happens when shorter-term bond yields are higher than longer-term and is a strong indicator of a coming recession. The yield curve could take years to invert ...

Who Do You Trust?

Created on Tuesday, 19 June 2018. Posted in Content/our blog

... Beast referenced below. After losing his wife of 67 years last year, there have been stories coming out that should serve as a warning for anyone who hasn't done meaningful longer-term planning. Here ...

The Neuropsychology of Saving

Created on Tuesday, 12 June 2018. Posted in Content/our blog

... the NorCal chapter of the Financial Planning Association. There were several behavioral finance-related options, a change from recent years where there may have only been one. One of the sessions I attended ...

That Darn Mortgage

Created on Monday, 04 June 2018. Posted in Content/our blog

... of the ways I think about this question. Relative Interest – Assume your mortgage is at 4.5% per year for 30 years and you find out you can't deduct your interest. If you could deduct the interest, ...