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Save When You Can!

Just like how regular exercise is necessary for good health, so is good financial habits for a secure future. While some of us are good at saving any extra left over from our income after our expenses, some find ways to spend that away. Here we explore why it is critical to save...




Life Made Easier Through Life Insurance

As an adult, our life is full of surprises and unexpected ups and down that we cannot control. Some people like to be prepared for whatever life throws their way. This sometimes helps take some of the stress off our shoulders and give us some breathing room. Some people might have a lot of responsibilities besides themselves such as a spouse or even kids that depend on them for support. Mostly everyone would do anything for those they love....




Is it time for your portfolio to break free from the earthly bonds?

Hindsight is 2020, but the FED acted with equally great foresight in 2020 and rescued the financial markets from a once in a century catastrophe. Come 2021, the clarity of that FED vision is starting to blur a bit. With the money supply that FED has flooded into the financial markets along with the stimulus checks by the government, we now have a frothy financial markets that almost disregards any fundamentals based valuation. Retail investors are happy to take the price and buy more stocks...




Giving Credit Where It is Due

“The world revolves around money” many of us have heard that phrase growing up in our everyday lives. Without money how can one survive? While money does play a factor it is no longer the entire pie of the equation. A good credit score is another factor that plays a role. A few situations when a credit score comes up are: purchasing a car, buying a home, applying for a loan, getting a job, and the list goes on...




Spooky 2020!

This year, 2020, has been different in more than one way. We are just two months away from closing out the year. Now is a good time to think about various ways to optimize your tax liabilities for the year. Perhaps there is a silver lining to the year. Let us find out...




Conquer Unemployment - A New Beginning!

It is crazy to think about how quickly your world can get turned upside down. One minute you are living a stress-free life with job security, money in the bank and a happy family. Then boom out of nowhere you lose your job!...




Watch for Herd Mentality

TO ERR IS HUMAN

Most consider humans to be the ultimate species on earth and in spite of that, they have a tendency to let their minds get the best of them whether it be ego, fear, greed, overcompensation, and the list goes on. One thing that makes humans human is their ability to adapt based on what they learn...




What is Risk?

As investors, the decisions and actions we take today influence our future returns. We are constantly assessing and predicting how the future returns are going to look like.

While it is quite easy to imagine very positive and rosy future returns, it is also important to contemplate all the various possibilities...




What is your Style of Investing?

Buy low, sell high. This is one way to make money. This is also one style of investing. You can apply this to any asset class. A style is defined by the rules you are following in your investing strategy to generate returns over time. As you can imagine, researchers have uncovered a few time tested strategies that have worked over time. We are going to explore some of them...




All Risks are not Equal - Know the Return on the Risks You Take

You are offered two cars to choose from: First one is a 200K miles Toyota Camry, drives like a charm and is in excellent condition. The price tag is $5000. The second one is a Mercedes Benz Class E, been on the road for less than a month, just got in an accident and is offered for the same $5000. The Merc certainly needs some body work, but the engine starts and looks to be more or less ok.

With this limited information, which car would you choose for your $5000...




All the Little Things that Matter

When I was younger the term “sticking to a budget” was something I thought only poor people did. I thought if you have the money why not spend it? Right? That's what it’s there for. You worked for it so do as you please.

Now that might be true, but once you become an adult you come to learn the world isn’t that simple...




Lessons in Investing - Compounding

One benefit of investing is Compound Interest.

Compound interest is the annual return that's added to the principal amount invested; which then rolls over and builds on as the years go by.

Compound interest is what makes your money grow in your retirement account over time. Picture a ball of snow rolling down a mountain as time goes on it gets bigger and bigger that's how compound interest works. As time goes on the money you invest can grow and when it does you get a yearly return based on how well you invested...




Investing for Beginners

When it comes to investing, we are not taught a whole lot in school to prepare us for the real world. And yet we are always told to save for retirement but never taught how to. I have always been nervous about waiting too long to save because I do not want to end up like my parents. So, I had to teach myself...




Lessons in Investing - Compounding

One benefit of investing is Compound Interest.

Compound interest is the annual return that's added to the principal amount invested; which then rolls over and builds on as the years go by.

Compound interest is what makes your money grow in your retirement account over time. Picture a ball of snow rolling down a mountain as time goes on it gets bigger and bigger that's how compound interest works. As time goes on the money you invest can grow and when it does you get a yearly return based on how well you invested...




Divide and Conquer

When it comes to making investment choices one way to play it is diversification.

Diversification is to spread your eggs across multiple baskets instead of having them concentrated in one. This is one of the key ideas to increase your odds of being a successful investor.

Diversification can lower the risk in your portfolio from volatile stocks. For example, if an investor puts all their money into one stock and if that stock crashes, ...




Are you still committed to your New Year Resolutions?

It is well known that majority of all New Year's resolutions are broken by Valentine's day. Now that we are getting to the midway point, are you still committed to the New Year's resolutions you made?...




How do 529 College Savings Work?

A college savings plan or 529 plan provides a way to save money for college. The saved money , which is after tax money, grows tax free. When you withdraw the savings to use for college expenses, you do not pay any taxes on the growth ...




Are we at the peak yet? - Part I

It feels like we are the top of a bull market with many signs of a recession ahead. The bull market recently celebrated its 10th birthday. It is getting too old to continue. The yield curve has inverted. We have seen volatility rise in the financial markets. These are some of the signs of an impending recession ...




Yay, my kid won Scholarship! Now what happens to my College Savings?

Many of us have a college savings plan for our kids higher education. When your kid starts applying for college, how does the savings impact their chances of winning a scholarship? Another question that comes up is if your kid gets a merit scholarship to attend college, what happens to all the money you saved? Would you lose all or part of it? ...




Buy the Dip?

Maybe what you are asking for is dollar cost averaging. Attempting to time the market by picking when to enter and when to exit the market is fool's errand.

These are strong words, but let us explore more about dollar cost averaging...




Why should you care about Asset Allocation?

Asset Allocation is like mixing colors to get the right shade for your taste. Like primary colors, there are only a handful of primary return drivers in the financial markets - bonds, equities and cash...




What is the flavor of free lunch?

When you have an urgent message for your colleague at a remote location, how do you get the message to them?

Of course, you call them, text them, email them. You try to reach their supervisor, subordinates, friends, family, etc. until you finally get through to them...




Climbing the Bond Ladder?

We humans cannot leap like squirrels. We need a ladder to climb to the roof top. A ladder helps us climb in small incremental steps. So also, in investing, we mere humans are not great market timers. Instead of timing the market with all our assets at once, it is much easier to invest incremental assets in the current opportunities. This is exactly what a bond ladder aims to accomplish...




Penny Wise, Pound Foolish

We all want to find and invest in the big investment opportunity of the year to get rich. There is nothing wrong with desiring to be rich. However, in the pursuit to find the next big opportunity, do not lose sight of the tiny details. Perhaps those tiny details are equally important to get you to your goals...




Charming the Inflation Snake

Are you an inflation charmer? If so, the Federal Reserve may need your help…

Even if you are not an inflation charmer, you may be doing just enough to charm the inflation snake out of its slumber and take a bite at your retirement. One way you might do just this is by leaving too much cash sitting in your bank account...




Did You Lose Your Shirt in the Markets Today?

When markets become volatile, your portfolio may start making large unpleasant moves just enough to cost you a good night's sleep. Sometimes, the jitters may be enough for you to lose your shirt.

How can you build defenses against such a predicament? One way is to measure your risk tolerance and to know your financial goals...




Thinking about Retirement

As you start thinking about your retirement here are a list of top items to be reviewed.

Income & Expenses

An assessment of your cash inflows and outflows through your retirement years will guide your decisions for your retirement planning...