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Category Archives: Investments

crude oil graph

New Year’s Big Sale – Stocks and Oil

The U.S. stock market at this early point in the year is down (biggest Jan. sale ever?) more than any other year in history. What does that mean to you? Opportunity – what a great sale! I never thought I would be able to buy

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

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

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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

Fear and Greed create bad behavior for investors

Left Alone, Many Individuals Are Horrible Investors

Part 2. of 2. Individual Investors Left alone, many individual investors are horrible at timing the market. Instead of “buying low and selling high” people tend to do the opposite.  The proof is in the chart below: The terrible investor results are terrifically poor.  This

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And the Winner is? Active vs. Passive Investing

Part 1 of 2 on Investing: Active vs. passive investing For this article the passive approach will be reflected by the S&P 500 stock index. Understanding the differences: It’s easy to get caught up in the Wall Street hype about which investment approach is better.

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Super Strong Dollar Not Good for Foreign Investments

Many investors have a slice of their investments in international stock mutual funds. That is part of a diversified plan. True diversification is built by owning assets that move in different directions. We tend to not focus on the why’s, but rather look at the

Sly boy at the table with money

One Powerful Financial Move for Kids (or Grand-kids)

Turn $500/Year into $500,000! I recently created Roth IRA’s for my kids and put $500 into each account. With a little guidance from me, the kids will each choose to become stock owners of one company. Going forward I will encourage them to save by

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Fictitious Balance on Your 401k/IRA Account Statement

Your account balance carries a hidden surrender charge. Millions of working Americans contribute a percentage of their earnings to a 401k account while many also have IRA accounts, most of which were formerly 401k that were rolled over to IRA’s. While some people follow the

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