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Annual Money Meltdown!

With the holidays upon us, now is not the time of year to have a money meltdown.  So read ahead at your own risk, but save the freak out for after the 1st of the year! I have a money meltdown (freak-out) about once per year (my wife says twice a year) and it’s been serving us well (for a …

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Free…Not For Me

This year, one of the major investment companies on Wall Street launched a free, or I should say a $0 fee, investment vehicle.  If offers abroad diversified basket of US stocks (there is an International version as well) and it has no “stated” cost to the customer/client who chooses to invest in it.  The term “there is no such thing …

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Year End Reminders!

As the holiday season speeds towards us there are a few reminders I wanted to share (as boring as they might be for a Friday afternoon happy hour post!) If you’re a client who is still working: Spend your Flex Spending Account before it’s too late – Some employers have a longer “spend” window that may extend through January or …

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The Worst Investment I Ever Made

I would expect you’re familiar with that “head slap” moment when the reality of a poor decision or outcome comes crashing down on you.  I have had many my fair share of head slap moments. I used to ask clients, “What’s the worst investment you’ve ever made? What’s the best investment you’ve ever made”?   Investment could have been a …

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YouTube TV

My wife and I just recently took the plunge in cancelling our long subscribed Cable TV with Time Warner, or Spectrum, or whatever name they go by now.  This post is for all you would be “cord cutters” looking for options! We ended up subscribing to YouTube TV after other clients recommended it and spoke highly of the value and …

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Little Sister’s Wedding

This weekend we are packing up the kids and headed to my sister Christina & her fiance Mike’s wedding!! The planning, the changes, the people, the expectations, the weather…I am tired from packing and so I can’t imagine how the soon-to-be newlyweds are doing it.   I am excited for the laughs, for all the things that will go according …

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“Daddy, you’re not that pretty…”

“Daddy, you’re not pretty, you have no hair” says my soon to be 4 year old son a couple of weeks ago.  At that time, he was riding pretty high on his new haircut that he got from a legit barber shop in town.  It’s a statement he’ll regret when he needs help to pay for college some day 🙂 …

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Boring Week on Wall Street

It was a boring week on Wall Street.  Most weeks are…if you focus on the numbers and ignore the headlines.  As a whole, the US stock market represented by the most widely publicized S  & P 500 Index had the following performance through Thursday of this week: The S & 500 started out Monday at 2,877 and closed on Thursday …

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Checking Account Risks

As far as financial problems go, having too much in your checking account is a welcomed one! However, even though this money is likely insured by the FDIC should your  bank/credit union become insolvent, and it isn’t in the stock market, there are still risks involved. In attempt to keep it simple, let’s group the risk into two scenarios: First, …

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If This, Then That…

Making a good decision is tough.  I find myself on a life long process of trying to be better at helping people to make the most appropriate decisions.   It’s not my job to make the decision for them. Armed with a deep understanding of what is important to each client, backed by a firm grasp on all the financial …