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In most circumstances, a reverse mortgage doesn’t make good financial sense, in spite of the soothing words from Tom Selleck, Henry Winkler, and Fred Thompson.
You may have heard that we currently have an inverted yield curve for US Treasury debt or, you may have no idea what I’m talking about. I’ll explain. What […]
As the stock market gyrates and your 401K balance swing to and fro, we’re all re-learning that our investments can go down as well as up and […]
For most people in most situations, Roth contributions are better than a pre-tax 401K or IRA, but keep in mind that either is better than not contributing […]
What is the best strategy to save more and spend less? When it comes to saving money, passive is the new active.
You may have some sense of what a bond is, but if you’re curious about the specifics, this note is for you. Investing in bonds generally offer […]
Knowing how much you should save for retirement and whether you are on-track, are questions for everyone.
There is a lot to absorb about college financial aid and student loans but it is better to understand this before you make potentially lifelong commitments to […]
Are you ready to retire? Before you rent the RV, take bridge lessons, and become helicopter grandparents, complete this checklist:
When investing your retirement savings, you should aim to: optimize risk/return trade-off minimize effort minimize cost
Socially responsible investing is a great idea in theory but difficult in practice. I’ll explain why. But first, what is socially responsible investing? It generally takes one of […]
Saving money is an unnatural act for most kids. How should you encourage them to develop good personal finance habits? Your kids may not appreciate your guidance […]
Generally, it’s not a good idea to borrow from your 401K but there are certain circumstances in which it can make sense. Before I explain, here are […]
I live near Boston where we have lots of three-family homes (“triple deckers” in the local patois). Often, homeowners choose to live in one unit and rent […]
A budget measures your actual spending over a period of time (typically, monthly) and compares that to your intended level of spending. It allows you to understand how much money […]
Many of us have heard of annuities but few understand how they work and if they should be part of your retirement plan. I’ll explain.
You may face a choice when considering a financial advisor — do you want a relationship manager or a financial wiz?
Should you use debit or credit cards for your everyday spending? The answer, like many personal finance questions, depends on your personality and your financial situation.
Robo-advisors are a recent innovation in the fintech industry. The two best known companies are Wealthfront and Betterment, although Schwab is aggressively moving into this business.
Getting your finances back on track can be a lonely and frightening journey. I’ll share my approach when working with clients in this situation.
When romance merges with finance, there can be a lot to discuss. When you and your sweetie decide to share your lives together, I suggest you align […]
Deciding whether to rent or buy your home is one of the eternal personal finance questions. My two cents on this topic may be counter-intuitive to conventional […]
Venture capital (VC) and private equity (PE) investments have much in common but also important differences.
Employee stock options have been indirectly in the news, given the recent IPOs (initial public offerings) of such companies as Uber, Lyft, Pinterest, and Beyond Meat. In […]
Mutual fund fees are slowly but surely heading to zero. At least that’s the conclusion of an industry analyst’s report:
Achieving financial independence is a process for young adults. For those of you in the midst of building this foundation, focus on three goals:
What is dollar cost averaging? It just means investing your money over a period of time, rather than in a lump sum all at once. It does […]
The traditional financial advisor compensation model may be slowly but surely meeting its demise. The pressure started years ago with low-cost index funds, then ETFs, target date […]
Are you planning to go to a cocktail party full of economists? Here’s a primer on how they see the world.
I grow old… I grow old…I shall wear the bottoms of my trousers rolled. If you’re of a certain age, besides reading The Lovesong of J Alfred […]
You may have heard that John Bogle died this year. Or, you may have no idea who he was. The financial industry has produced few heroes; instead, […]
When I evaluate a client’s 401K plan, I assess four dimensions of it: How to evaluate your 401K Plan 1. What are the investment options? For most […]
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