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An Evolutionary Tale

An Evolutionary Tale The Future is Now Last month I published A Tale of Rules.  This tale takes us on the journey that lets us understand how society transformed it’s thinking from a period where nobody invested based on rules to the present, where almost all investing is rules based.  How did we get from […]

A Tale of Rules

A Tale of Rules

A Tale of Rules (Rules Rule) What goes around comes around is a well-known phrase that teaches us that eventually we must deal with the consequences of our actions.  While some interpretations are judgmental, to me the phrase means that balance must be restored. When I was a rookie stockbroker, yes that was what we […]

A Tale of Fandango

(FAANG-down-go) I was recently meeting with two of my clients and they asked me how the stock market was doing.  I’ve probably heard this question a thousand times and I was prepared to go into the standard year to date returns and past performance regurgitation but something stopped me.  It hit me, that I and […]

A Tale of Duration

“Just Learn the Rule of Thumb” What do you mean?  Is it really?  Are you sure?  These are common phrases frequently used when we simply don’t understand something.  I’m sure we all have our unique ways to express our bewilderment.  Duration is a financial term that applies to bonds that falls in the bewilderment category.  […]

A Tale of Magic

A Tale of Magic

Abracadabra! 2% is 3% I was recently asked a question that I had not heard in over a decade or two.  The reason of course is because the risk associated with rising interest rates has not been the topic of news or discussion in quite some time.  The question was-why would I invest in short […]

A Rising Tale

A Rising Tale “You Need to Focus” Interest rates.  We are constantly bombarded with these rascals.  To some, understanding them is easy.  To others, forget about it.  This is A Rising Tale, because that is the talk of the town these days as the 10-year treasury has risen above the magic 3% mark.  Why it’s […]

FIXED VS VARIABLE ANNUITIES: AN ALTERNATIVE TALE

FIXED VS VARIABLE ANNUITIES: AN ALTERNATIVE TALE

Before making an investment decision people need to ask themselves, “Is there a better alternative? Is there something better to invest in than what I am considering?” If you routinely ask these questions, not only will it help you develop your investment acumen, you will be able to eliminate entire types of investment alternatives. FIXED VS […]

E TRADE ADAPTIVE PORTFOLIO REVIEW – A MILLENNIAL TALE

E TRADE ADAPTIVE PORTFOLIO REVIEW – A MILLENNIAL TALE

“How Investment Advisors Hurt Millennials and How Millennials Hurt Themselves” As the father of four Millennials, I am angry at the blatant disregard Investment Advisors show towards Millennials.  The most egregious disregard is the recent advent of automated investing as a way of catering to the investment wants, not needs, of Millennials.  It is clever […]

AN IDIOTIC TALE – THE IDIOT SON – 50% STOCKS 50% BONDS

AN IDIOTIC TALE – THE IDIOT SON – 50% STOCKS 50% BONDS

This is one of my favorite tales because it involves my father, his friends and investments. In this tale I am the idiot son. I left Legg Mason in 1990 and started my own advisory firm. I no longer wanted to dish out conflicted advice as a commission compensated advisor and had to focus my […]

FINANCIAL CALCULATORS – MORE HARM THAN GOOD? A DRAINING TALE

FINANCIAL CALCULATORS – MORE HARM THAN GOOD? A DRAINING TALE

I was recently at lunch with one of my long-time clients and her recent college graduate grandson.  We of course were talking about money and no money conversation is complete without a discussion about rates of return.  The grandson brought up the topic of financial calculators and that he had been playing around with them.  […]

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