Short Money Rules

Morgan Housel, an award winning financial columnist, is gifted at expressing complex ideas clearly and with humor. Today a partner at The Collaborative Fund, he posted this recent blog, “Short Money Rules”, and I would add “to live by”. Above-average results require...

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What’s 0% worth to you?

Last week's headlines: Vanguard Ups the Ante in an ETF Race to Zero and Millennial Online Lender SoFi to Offer Zero-fee ETFs. Fidelity started the rush last August announcing two no-fee index mutual funds; today they offer four. How much do fees matter and is it worth...

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Regrets

Do you ever anticipate regret? I find it a useful tool when making decisions. If I choose option A, how will I feel about it later, will I regret it? Or, will I feel better about choosing option B once my decision is made? These top 10 financial savings regrets can...

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Racehorses and retirement

What do they have in common? Would you believe predictability? If 98% of well-bred racehorses aren’t winners, why do most people look at pedigree before placing their bets? And, if pedigree isn’t a great predictor of winning horses, what is? These are the questions...

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All over the map

I find the budget line 'Auto Insurance' is just that, all over the map - from $800 to $1600 a year for an individual, up to nearly $3000 a year for a couple. And, the low price isn’t always from the same company nor for the same driver profile – it’s random....

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Is -43.1% okay with you?

If that’s your annual return, it’s a scary number. But some investors might not think so – why not? They might not be shocked because they chose a very aggressive allocation. Your allocation needs to reflect your financial goals, risk tolerance and ability to save. In...

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In the news…again!

A December 2019 graduate of our 3rd Decade™ program wrote an opinion piece on her experience in the program. It appeared on Thrive Global, a website founded by Arianna Huffington to “help individuals, companies and communities improve their well-being and...

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John C. Bogle

A graduate of the 3rd Decade™ Program sent me a link to an article he’d come across online: “It reiterates and reaffirms what TCI preached in class about holding onto investments even though the market can be risky because it will still outperform…in the long...

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Tree pose

Just about a year ago I blogged about the importance of rebalancing your portfolio and gave a ‘how to’ example. This year I’ve added a column for 2018 returns – what a difference a year makes! You should rebalance your portfolio at least once a year, more often if...

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The market is choppy

You probably didn’t need me to tell you that – it’s all over the news. Even though logic dictates that what goes up must come down, the drops get our attention. And, despite the fact that it’s these very movements, these risks that create the market and the rewards we...

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