and Cons of Retiring Early

September 15th, 2017

While pensions have been around for a long time—going as far back as the mid-1800's, when they were first offered to members of the military, then local and state governments, and finally private companies—they were always offered in return for something. The military aided those who had risked their lives, state government paid those that devoted their lives, and private companies supported those that helped them thrive.

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How will you respond to the next bear market?

July 10, 2017

If you haven't heard of Jason Zweig or read any of his articles in the Wall Street Journal, you're missing out. He's incredibly talented and insightful about the world of investing and personal finance.

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Professionals vs. Amateurs

June 28, 2017

My family and I recently spent a week in Florida visiting my parents. They've lived in the seaside town of Port Orange for around five years, and as Jack and Gwen grow up they look forward to the trips more and more.

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Teaching Kids about Money

June 16, 2017

A report came out recently that saidi, "By 2030, within 10 years of regulatory approval of autonomous electric vehicles (A-EVs), 95 per cent of all US passenger miles traveled will be served by on-demand, autonomous, electric vehicles that will be owned by fleets rather than individuals."

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Rules to Break and the Art of Financial Planning

May 16, 2017

When it comes to our finances, there are certain rules that should never be broken. We all need life insurance, we shouldn't spend more than we make, we need a rainy-day fund, we must save if we ever want to retire, etc., etc.

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A Proper Perspective on Home Ownership

April 10, 2017

Recent home prices, both nationwide and in the Triangle area, have been surging over the past few years. The escalation in prices across the country bring back memories of the boom period prior to the financial/housing crisis of 2007-2009.

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Providing Context to the Current Bull Market

March 1, 2017

The current bull market has been running since March 9th, 2009. The Dow Jones Industrial Averagei (DJIA) is over 20,000 and continues to hit all-time highs. Valuations are above historical averages.

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Should You Expect Less?

January 27, 2017

The past 36 years have been good to investors. It may not feel like it given the painful memories that remain from the Great Recession, but seasoned stock market investors have partaken in one of the greatest investment periods in history.

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What's Your Investing "Truth?"

December 15, 2016

On my drive to work the other morning I listened to a podcast from Patrick O'Shaughnessy, CFA. In it, he was interviewing Morgan Housel, formerly a writer for the Motley Fool and now of Collaborative Fund.

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Factoring Healthcare Costs into Your Retirement Plans

November 28, 2016

A particularly unique challenge facing retirees-both present and future-is the cost of health care. It is unique in that it can be exacerbated by high inflation and increasing life expectancies, but also in its unpredictability.

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Economic and Investment Outlook from Bob Doll

November 11, 2016

We had the opportunity a few nights ago to attend a seminar with Bob Doll. If you are not familiar with Mr. Doll, he has over 36 years of portfolio management experience and currently serves as a senior portfolio manager and chief equity strategist at Nuveen Asset Management.

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What to Do Before Your Belly is On Fire

October 25, 2016

A few months ago my son, Jack, and I were pretending to be firefighters, running around the house putting out fires. In the midst of our game, he approached me and, with a serious look only a three-and-a-half year old can muster, said, "I have good news and bad news. I brought you some new toys and your belly is on fire."

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Four Reasons to Consider a Roth Account Regardless of Your Income

September 26, 2016

Historically, the choice between investing money in a Roth IRA/401(k) or Traditional IRA/401(k)-simply Roth or Traditional going forward-has come down to taxes. In short, if you anticipate being in a lower tax bracket (either because of income or tax policy) in retirement, then contribute to a Traditional. On the other hand, if you think your tax bracket will be higher, save to a Roth.

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Save Early, Save Often

September 8, 2016

A few weeks ago I wrote about the importance of harnessing your human capital, and how the earlier you do it the better. As I was gathering material for that post, I came across a couple of articles and charts that were pretty staggering and underscored the importance of beginning to save for retirement as early as possible.

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Capitalize on Your Human Capital

August 16, 2016

There's a tendency in all of us to focus solely on one aspect of our balance sheet: what we own. This is what my house is worth, minus a mortgage, plus my 401(k) and a couple of accounts at the bank, etc., etc. It's all very quantifiable and pretty easy to understand.

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Health Savings Accounts as a Retirement Planning Vehicle

July 28, 2016

Health Savings Accounts, or HSAs, were created in 2003 through the Medicare Prescription Drug, Improvement, and Modernization Act. Early adoption was slow, but growth in recent years has been impressive and there are now nearly 19.7 million Americans covered by HSA plans, as of November, 2015.