Give up this freedom grudgingly!!

There are some very good investments that tie up your money and make it difficult to retrieve without large penalties or long waiting periods. Many of these investments are simply not geared to a format that can offer daily liquidity. Think of your house. It is a...

Your Financial Plan is Outdated the Next Day

As soon as you create a financial plan, it will likely be outdated the following day.   Hence, this is not a reason to avoid completing a plan. I give a nod to our servicemen and military. They prepare each day and then prepare some more for things that may never...

57 Channels and Nothing on – Choosing the Right investment

There are over 6,700 individual stocks to invest in, 7,691 Mutual funds, and 916 ETFs. Not to mention annuities and insurance products. This is a lot of investments to choose from. In Bruce Springsteen’s “57 Channels and nothing on” he describes a world with all this...

Battling Human behavior and investing in 401k

“What sane person doesn’t maximize their 401(k) savings and company matching?” asks Miss Snarkypants in an entry to the transcript of the piece on “How do companies boost 401k enrollment? Make it Automatic” on NPR last Monday, April 21. My first job, before...

Sorting through the Noise (Again!)

“Blow up your TV throw away your paper”- John Prine Spanish Pipedream Yesterday was my lucky day. I received two emails, literally less than 15 minutes apart. The first had an article recommending that now was the time to dump your emerging market bonds. Being human,...