I believe there is a “pendulum effect” in so many areas of our world. Some may call it “a lemming effect”, but pendulum sounds so much better. Let’s consider “pendulum effects”: Think about the Pendulum Effect in today’s ability to finance a home. It seems as though it was just a couple years ago when […]
I find it insightful to pay attention to some of the greatest investors of all time – Warren Buffett. Many of our clients know what fans of Mr. Buffett’s investment prowess. We have differing view of some of his other views – but that is for another day. Clearly he is one of the best […]
A Balanced Budget by definition: Income = Spending If your Budget has a running deficit there are only three possible solutions to turn that into a Balanced Budget: 1. Reduce your spending 2. Raise your income 3. A combination of 1 and 2 Logically we know that you cannot decrease a deficit by borrowing more. […]
It is interesting to watch investor and advisors go through the market cycles and gyrations. Often we get derailed by feelings – mistaking them as “facts”. It is important to notice the difference between the two and how we are influenced by feelings versus facts. Let’s take a look: Facts: The economy (GDP) is growing […]
Everyone knows housing is still weak. Everyone knows jobs are growing, but not fast enough to seriously lower the unemployment rate, which stands at 9.1%. Everyone also knows real GDP has expanded for nine consecutive quarters, at an average annual rate of 2.5%. No one is satisfied with this; but it is a recovery, not a […]
Somewhere around age 62 — about the time many people begin thinking seriously about retirement — the focus shifts. The conversation moves from accumulation to preservation, from maximizing growth to ensuring durability. The question is no longer, “How much can I build?” but rather, “Will this last?”
