Saving Money

Most investors set a target asset allocation for their investment accounts.  Normally this is the amount invested in stocks and bonds.  (Even though other assets could be a part of the mix as [...]

Ready to start investing?  Excellent!  This is good. If you have done some research you may have an idea of what you want to invest in.  Your confidence in your plan may be strong or you might [...]

IF I COULD GET MY PRE-RETIREE CLIENTS TO DO ONE THING, it would be to put together a solid, tight budget of what they will spend during retirement. I HAVE FOUND THAT FAR TOO MANY PEOPLE SPEND TOO [...]

DO YOU LIKE TO BE AROUND NICE PEOPLE?  Work with them?  Spend your social time with them?  Is this a trick question? IT IS SAFE TO ASSUME THAT, ALL THINGS BEING EQUAL, we would prefer the company [...]

DO YOU KNOW THAT YOU CAN INVEST FOR FREE?  Well, almost!  There’s no catch!  You can open a brokerage account at Vanguard at no charge and buy an ETF that owns thousands of stocks.  And the [...]

I DO A LOT OF RETIREMENT PLANS AND PROJECTIONS.  I do them for couples, singles, people close to retirement, others in retirement, and for many who are several decades away. SOME PEOPLE ARE IN [...]

DO YOU WANT TO MAKE MONEY ON YOUR MONEY?  I do.  Most of us do.  This is why we invest.  It doesn’t make us greedy. If you don’t want to make money on your money, why invest? WHETHER [...]

MOST COMPANY RETIREMENT PLANS GIVE YOU THE OPTION TO SAVE MONEY PRE-TAX OR AFTER-TAX.  Many people I talk to aren’t sure which one they should select. So what should you do?  Which one is [...]

INVESTMENT RISK IS THE IDEA THAT YOUR INVESTMENTS WILL SUFFER LOSS.   Your losses could be small or big.  They could be over quickly or occur over a long time.  Losing money on your investments, [...]

I’VE BEEN LOOKING FOR A WAY TO DESCRIBE MOST OF THE GUIDANCE PROVIDED BY THOSE IN THE FINANCIAL SERVICES INDUSTRY.  I’ve struggled with the best way to put it. HOWEVER, THE QUOTABLE [...]