Real people, real savers

Do you track your net worth? It’s a great way to measure financial health and progress. We update net worth statements each time we meet with 3rd DecadeTM clients and when I noticed that one couple’s net worth had gone from -$18k to +$128k in just under two years, I...

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I Digress…

My blog on home affordability took me to the tech startup Divvy which led me to Max Levchin of HVF Labs who somehow juggles a smorgasbord of tech startups, board positions, wife, kids and 800 emails a day. I was left with the nagging question “How does one person pull...

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Your Financial Personality

How you react to money and financial issues is both unique to you and critical to your long-term financial success. This is the heart of behavioral economics. Take this test to better understand yourself. I’ve replicated the short five question test from “Simple but...

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Housing Affordability – some workarounds

Innovators respond to market inefficiencies. As affordability has become more of an issue in the housing market, we’re seeing entrepreneurs offering creative options. Heard of Divvy? Born in a Bay Area tech incubator and launched in January of this year, Divvy raised...

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Home Affordability

We’re hearing more and more about this in the news – how hard it is to buy that first home. I remember looking for my first home in Tucson in 1975. We bought the $32,000 condo instead of the $50,000 home we wanted because it’s what we could afford. The numbers, of...

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Scams

Do you believe in the Rule of Three? Those who do believe that both good things and bad things come in threes – apparently scams do also as three have recently come across my desk. The first one looked like an invoice for our Foundation. We’re in the process of...

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In the news…again!

“This nonprofit will give you $1,000 if you take a few personal finance classes” was the recent headline. The article generated a couple hundred emails and calls which kick started the Foundation’s goal of offering its signature 3rd DecadeTM classes in each of the six...

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Jump or Wade – An Historical Perspective

A Regional Director for Dimensional Fund Advisors responded to last week's blog, Jump or Wade, with several powerful graphs looking back at historical market moves. These eight graphs help us put today's investing climate into perspective.   And, last but not least,...

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Jump or wade?

Is now a good time to invest in the stock market? I’m asked this question more often these days. The market has steadily increased in value over the last several years. Will it continue? What should I do? Start by reviewing your plan. Because your plan reflects your...

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Your future self

Yogi Berra quipped “If you don’t know where you’re going, you end up somewhere else.” That’s a good argument for having a plan whether it’s for your career or your next vacation. Fundamental to your plan is imagining your future and, it turns out, we’re not very good...

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Our Mission

Increasing new investors' confidence and lifetime success through financial education.

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