CLEAR AND CONCISE
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Why Exchange Rates Matter When Traveling Abroad

Over the past week, I was in Barcelona and Valencia, Spain. I was dropping off my 13-year-old daughter, Chloe, who will be living in Valencia and attending public school for a semester. She is super-excited and a bit nervous. Anyway, I thought this was a good opportunity to update this article on exchange rates. The …View Article

Dog Ownership: Health Benefits & Financial Costs

This week I set out to answer two questions that have been on my mind: Do pet owners really live longer? And how much does it cost to own a pet? Several studies have shown compelling rewards to sharing your life with a furry friend. I am partial to dogs, so I asked our superstar …View Article

ROTH Conversions: More attractive under new tax law

There is no investment account more loved than the ROTH IRA. The promise of tax-free growth followed by tax-free withdrawals is hard to beat. My other two favorite features of the ROTH IRA are: 1) You can withdraw your contributions, but not the growth, before age 59 ½ without penalty (unlike every other retirement account), …View Article

How to Prioritize Competing Savings Goals

Today, I am going to share my philosophy on how to prioritize competing savings goals. In other words, what do I save for first? What types of accounts should I use? And should I pay off debt instead of investing for the future? Unfortunately, life can get complicated, so many financial dilemmas will require you …View Article

Shopping Malls: Will They Become Extinct?

The Great One, Wayne Gretzky, is famous for saying, “A good hockey player plays where the puck is. A great hockey player plays where the puck is going to be.” The same analogy can be used with investors (minus the hockey puck). We want to invest in the industries and trends that are going to …View Article

Midlife Crisis: Myths, Misconceptions, and Insights

My wife has warned me that she will not take it well if I have a midlife crisis. I find this funny because having one had never even occurred to me. In fact, I am becoming more content with my life as I get older. This week I read a few articles on the topic …View Article

Relocating in Retirement: What to consider?

Many people consider relocating in retirement. Deciding where you want to live can be one of the toughest decisions of your adult life. Many people save for retirement their entire career, but they never really stop to consider the lifestyle they want once they no longer need to work for a living. Everyone wants to …View Article

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