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 […]

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My Mother, My Idol

I think many of us would agree that our mother is/was probably under appreciated, especially when we were young. The older I get, the more I love and value my […]

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What Matters Most

“I don’t really care” is my first response to many questions these days.  Like the book, “Don’t Sweat the Small Stuff”, right now, due to a medical issue in my […]

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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.  […]

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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 […]

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Money and Marriage

“Marry a woman more frugal then you,” is great advice from one of my favorite books, The Millionaire Next Door. As some guys will tell you, it’s a lot easier […]

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Mini Van Beats Jet for Family Time

Last week our family embarked on yet another Spring Break vacation.  We packed our luggage (mainly beach wear) and five bodies into our 2004 Toyota Sienna (154,000 miles and counting) […]

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“Return on Life”

We have all heard the phrase “return on investment” and that is measurable, but have you ever considered what your “return on life” (ROL) was in the past year? I […]

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All You Have To Do Is Ask

There are many reasons people choose not to ask for help, whether it be pride, stubbornness, procrastination, not knowing who to ask, etc. Recently, an acquaintance of our family stopped […]

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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 […]

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Is a Private Pension in Your Future?

With CD’s paying next to nothing, we need some creative ideas to generate more income during retirement… Most of us have a notion on what a “pension” is, as you […]

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Life Insurance Key to Retirement Spending and Legacy Plan

Over the past several years, most of the clients that I have advised to purchase life insurance are retired and have no dependent need. The insurance has greatly helped their […]

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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 […]

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