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To move or not?
Our neighborhood, probably like yours, has seen a lot of houses up for sale and then quickly under contract the past several months. It’s an exciting time to be a seller, pretty stressful if you are a buyer and want your contract to stand out among the crowd. ...
Building (and sustaining) Wealth
What does it take to build and sustain wealth today? To answer this question, you must first define what exactly wealth means to you? What role does it play as you look forward to tomorrow? There are no right or wrong answers, each investor may have their own...
Rising cost of life
Our family needs a new dryer as our current one is not working as well as it originally did. Both our washer and dryer have been running multiple times a day for as long as I can remember. This is to be expected with a family of five including boys who play sports...
Biking & Planning
Dust off your bike and pump up your tires, this Friday, May 21st is National Bike to Work Day! Many of us are still working from home so biking into work may not be possible. That’s ok as riding around your neighborhood or exploring a new trail works just as well. ...
Currency or Investment?
I’ve been pondering a question on the role virtual currencies play as part of a financial plan. I’m not speaking to a particular currency as there are over 6,000 choices. As more become available, what purpose do they serve in a planning context? Are they to be...
Sell now?
With the S&P 500 index effectively doubling in the past 12 months, is it time to sell? If so, where do the cash proceeds go? How long do you hold cash before moving it? Where do you move it to? How much cash should be held back if any? What are you missing or...
Better decisions
Making the right decisions on where you invest takes a process. It requires goal clarification, evaluating risk and reward, understanding cashflows and liquidity, having a known time horizon, and of course taxes. Asking yourself four fundamental questions before you...
Mistakes with cash
There are 3 common financial mistakes families and professionals make when managing their cash. In no particular order they are: Holding too much or too little Chasing a return or yield Lumping all your cash in one account Last April, you may have wished for more...
How much time do you have?
How much time do you give your investments to grow before making changes to your portfolio? According to recent studies, the average holding period on equity based mutual funds is just over 3 years. Why so short? My guess is that most investors are impatient and...
Book club suggestion
I just completed reading The Price You Pay for College, An Entirely New Road Map for the Biggest Financial Decision Your Family Will Ever Make, by Ron Lieber. This book was released earlier this year post pandemic and provides a tremendous amount of insight into the...
Busted Bracket
Well, I’m completely cooked, my bracket is toast after the first round of the NCAA tournament! Filling out your bracket with your favorite picks is a fun gamble that may or may not pan out. Quite the opposite of financial planning which allows for more inputs in...
Perspective
A year ago, this week the S&P 500 index was hovering around 2,400. This index tracks the largest and most successful companies in America. After achieving an all-time high of 3,300 in February 2020, this index quickly contracted by 30 percent in the span of 30...
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