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Category Archives: Achieving Financial Independence

Bumonthestreet

5 Bigger Risks Than The Stock Market

Sure you might lose money on any given day on a stock or stock mutual fund. What other risks are out there? Many people are taking much bigger risks than that and may not know it. Retirees earning too little or spending too much. Unfortunately

New Year

Make 2016 the Year of Good Habits

Habits are the center of our daily existence.  90% of what we do everyday is habit based. How you start your day, your visit to your computer, IPad or cell phone, exercise or not, what or where you like to eat, how you relate to

Two hands preserve a green tree against a thunder-storm

Déjà Vu All Over Again

Déjà Vu all over again was the response I received from one long-time client in response to what is going on lately with the stock markets around the world. Seemingly no worries at all. He’s seen it all before and hopefully is very comfortable with

Spoiled Kids

When to Say “No”

Where do you draw the line? Our kids have their hands out wanting us to buy things for them starting at a very early age.  In grade school, I think candy and ice cream were the most popular requests.  Now that my three kids are

soni and brad

Our Story

My wife Soni and I celebrated 20 years of marriage recently and I thought I would share what some of the key financial decisions we made along the way and the impact they had on our family. The themes are consistent: Figure out what is

IMG_6098

Bonds Struggling in 2015

Interest rates have crept up a little bit. I snapped this picture last week at a local bank. You wouldn’t know it by this CD rate. Bond prices move inversely to interest rates.  The past few months haven’t been too good for bonds.  The 10-year

broken-news

In Case You Quit Following the News…

As I wrote earlier this year, I’m removing myself from as much ‘news’ as possible.  Most of it does not impact my life and I find much of it to be quite depressing.  Recently, I peaked my head out of the sand and thought I

relaxed woman

Checklist for Top 1%ers

It’s in my nature to be a guy that makes lists to help stay organized and get things done.  We are finally getting sunshine in Chicagoland and have had temperatures above seventy degrees for two consecutive days.  While that is long overdue, it’s time for

It’s Never Too Early

The Time Value of Money is the oldest, wisest concept ever created for investors. Wait until you see what you could create by saving less than $7 a day toward college for an unborn baby! The real power of this concept comes from rate of

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