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 FINANCIAL ADVICE®

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Paradox of Plenty – Too Much of a Good Thing?

This week we celebrate Independence Day and our good fortune to live in a society where we get to make our own decisions.  Possibly our most fundamental belief is that the freedom to choose makes people happy. The more affluent we become, the more freedom/choices we have available to us and, in theory, the happier …View Article

Human Progress: Reflected in the Stock Market

The world has improved dramatically over almost any time-frame you consider. It doesn’t always feel this way because negative headlines attract eyeballs and sell advertising. Granted, there are tons of very real problems, many of which did not exist 30 years ago. Nevertheless, I think Bill Gates nailed it when he said: “Headlines, in a …View Article

Chances of an IRS Audit in 2018?

I always have a sense of accomplishment when I file my taxes. Most of you are also resting easy, unless you filed for an extension. Taxpayers who filed for an extension still have until September 15th to file a business return and until October 15th for individual returns. Once you file, the only thing left …View Article

Stock Market: Why I Love & Hate It

I knew nothing about the stock market at the age of 12, but I was completely hooked by age 13. My father asked me if I wanted to invest my bar-mitzvah money. I said, “Sure” without really understanding what that meant or how the market worked. My investment grew by $100 the first day and …View Article

Why Rich People Worry About Money

What amount of money would make you feel secure? Do you have a number? I hate to break it to you, but chances are, you’d still worry about money regardless of your net worth. This week I was reading a financial planning case study about a family that seemingly should not have had any financial …View Article

Royal Wedding Costs vs Average Wedding Costs

I usually try to write articles that enable readers to make better financial decisions. Today’s article about wedding costs is going to be the exception. The value of this post is simply to give you something to gossip about with your friends. After all, what is life without a bit of gossip? Prince Harry and …View Article

Women, Money & Divorce After 50

The majority of women (56%) leave major financial and investing decisions to their husbands. Most of these women (80%) are perfectly happy with this arrangement because they feel their husband knows more about financial matters. This arrangement can work out just fine…until it doesn’t. Women usually end up needing to take over their financial decision-making …View Article

What Will You Remember from 2018?

Do you remember the first concert you attended? I do. The Tubes in 1983. I also remember just about every other concert. It’s interesting the things we remember and which ones we forget. If you read my weekly column, you know I am a big proponent of spending money on experiences instead of “stuff.” Yet …View Article

Starter Homes: Shortage Likely To Get Worse

Is a shortage of starter homes going to turn into the next housing crisis? A few weeks ago, I wrote an article called “Should Retirees Sell Their Rental Properties?”. My article showed that rentals generally do not provide a very compelling cash-on-cash return. Real estate is generally considered a “total return” investment vehicle, where free …View Article

Airbnb Host: How to Make Money with Short-Term Rentals

This past week, I met with a couple who is buying a vacation home near their kids and grandkids. This real estate purchase was not part of their original retirement plan, so we had to move a few things around to make the numbers work. I think I’ve been influenced by my recent research on …View Article