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Six Costly Investment Behavior
Most investors are very good at hurting themselves financially. According to latest release of Dalbar’s Quantitative Analysis of Investor Behavior (QAIB), the average investor has a return of only 2.6%...
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What If the Market Fall 30%?
Ever since it touched bottom on March 9th, 2009, the market has been going up and up and up with barely any hiccup. That’s dangerous! Because our minds could get complacent. That’s why I want to do a...
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Teaching My Kids About Money
If you are a client of mine, you would have received a snail mail newsletter from me about two weeks ago that does not look quite right: The letter may look like it was folded clumsily, there might...
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Greek Referendum and Chinese Stock Market Crash: Black Swan?
Two days ago, Greek voters said “No” to the term of EU bailout in a national referendum. Yesterday, the Shanghai Stock Index fell another 5.9%. Cumulatively, the index has fallen 30+% since reaching...
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Odds and Depth of Stock Market Correction
As of today, all three market indices Dow Jones, Nasdaq and the S&P 500 are in correction territory, meaning they’ve all fallen more than 10%. Last time this happened was in 2011. Then I wrote an...
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Long-Term Care Costs
[by Russ Thornton] At some point, 70% of people over the age of 65 will need some form of long-term care and support. I get a lot of questions from clients about long-term care insurance. Yet, I find...
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Jim Ludwick’s Tweets for the Month
For those who are hard core about learning personal finance, I have this to share with you – Jim Ludwick’s Tweets for the Month. Jim is a hourly fee-only financial planner I respect a lot. His tweets...
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When Accident Happens …
A few months ago, a senior client of mine slipped and fell in his basement. He broke his hip and couldn’t get up to call help. He was only found lying in the basement by his tenant two days later. His...
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Jim Ludwick’s Tweets for the Month
For those who are hard core about learning personal finance, I have this to share with you – Jim Ludwick’s Tweets for the Month. Jim is a hourly fee-only financial planner I respect a lot. His tweets...
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Recent Social Security Changes You Need To Be Aware Of
[by Russ Thornton] When sharing the initial results of my survey last week, there was a high level of interest in the topic of Social Security. And here we are, just a week later, with a couple of...
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Quarterly Market Review
[by Tom Warburton] The Markets are always interesting! As a recap of interesting developments in 2015-Q3 we offer the downloadable link below. The Executive Summary is pretty simple: Equities – US,...
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Stock Market Mayhem from 1950 to 2015
Stocks Decline 14% (June 1950 to July 1950) North Korean troops attack along the South Korean border. The U.N. Security Council condemns North Korea. The U.S. gets involved. Stocks Decline 20.7%, (July...
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What I Learned From Tax Loss Harvesting
In the last two days I have been doing tax loss harvesting for my clients. According to Google, Tax loss harvesting is the practice of selling a security that has experienced a loss. By realizing, or...
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Investors Gone Crazy
Here is the culprit of the global market selloff in the first week of 2016: The CSRC (China Securities Regulatory Commission) instituted a stock market circuit breaker in the new year: a 15 minute...
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What The Heck is Going On in China?
It seems every other day or so, another shoe drops in China that sends the world market into tailspin. What the heck is going on there? In 2008, the US was hit by the worst financial crisis since the...
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Why I am Happy Stock Prices Are Falling
Retirement security Like most investors out there, I buy stocks (mostly stock funds) primarily to build my retirement security. The whole world’s productive assets (TWWPA) Unlike most investors out...
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