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Quote of the Week: Is It Time For Austerity?

“There’s a debate about the merits of austerity among economists.  …We have to deal with the debt eventually.  …(But) I think probably austerity is bad at this time.” Robert Shiller, Yale University economist and financial innovator (developer of the Case Shiller home price index and Shiller P/E stock market valuation tool), as interviewed in  Money Magazine, April […]

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Financial-Literacy

Can You Pass The (Financial Literacy) Test?

April is Financial Literacy Month, so let’s take a moment to recognize why it’s important for all Americans to understand the basic financial concepts affecting our daily lives. “People with a high degree of financial literacy are more likely to plan for retirement, and …  people who plan for retirement have more than double the wealth of people […]

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skyscrapers

Beware Non-Traded REITS

Non-traded REITs have been in the news lately, and not for good reasons. In the portfolios we manage for clients, we often buy shares of publicly traded REITs (real estate investment trusts), REIT mutual funds and ETFs (exchange traded funds).  These invest in real estate, like shopping malls, apartment complexes, and office buildings, and can be bought or […]

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money-and-ring

Men vs. Women: Who is the Better Investor?

It’s the financial version of Mars vs. Venus.  Men and women have different styles when it comes to money.  But which gender’s skills translate into better investment results?  We all know it’s a gross oversimplification. But researchers do say that, in general, men and women display different money behaviors that affect the way they spend, […]

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Social Security

Preparing for Retirement? A Financial Advisor Can Help

We all know what a critical time retirement can be.  Today’s retirees may spend thirty years or more not working.  That’s a heavy burden to place on your nest egg.  Take out too much, and your savings will run out.  Take money from the wrong account, and you’ll pay for it at tax time.  That’s why […]

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women wealth

Women Want More From Financial Advisors

Two-thirds of the world’s wealth will be held by women by 2030, estimates say. While men still make most of the investing decisions, women continue to narrow the gap.  In 2008, women controlled about 23% of the world’s wealth on average.  By 2009, that number had grown to 27%, with $20 trillion worldwide in the […]

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golden egg

Time is Running Out To Fund Your IRA …..

Don’t Forget …. You have only until Tuesday, April 17 to fund your Traditional IRA or Roth IRA account for the 2011 tax year.  This is a “use it or lose it” opportunity to put money where the IRS won’t tax it for many, many years, or will never tax it, in the case of Roth IRA […]

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target savings needed to accumulate 500k-2

Start Saving Early … Or It May Cost You

You probably already know that one of the keys to successful financial planning is to “start early.” There’s a good reason for that.  If you start saving in your 20s or 30s, and let your money compound over time, you don’t need to save that much.  However, if you delay until you are in your 40s or […]

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401k

5-Minute Fix: Getting Free Money From Your 401(k)

No time to spare?  Don’t worry.  The “5-Minute Fix” shows you how to have a big impact in your financial life with just a little time. If you are not putting enough money in your 401(k) to get the maximum employer match, you are absolutely leaving free money on the table. 29% of all workers do not contribute […]

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Quote of the Week: Lowering Your Investment Expectations

“You still have a lot of people expecting 8% or 10% a year from stocks or even from balanced portfolios.  That’s naive.” Robert D. Arnott, founder of Research Affiliates LLC, Newport Beach, California, and portfolio manager for Pimco  funds, as quoted in “Bad News for Boomers,” Wall Street Journal, March 5, 2012  

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