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. ...

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...

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...