The Future of Personal Information Security

The Future of Personal Information Security

There have been many discussions of late regarding the Equifax data breach which affected every American adult. Both high-profile data breaches and day-to-day cases of individual identity theft are becoming far too routine. Can anything be done to stem the tide? There is both good and bad news on that front.

The Fallacy of Investing Your Way Out of Excessive Spending

The Fallacy of Investing Your Way Out of Excessive Spending

One of my favorite mantras comes from my partner Mike Tallman who argues “There are no logical decisions. They are all emotional.”  And he’s right. In the end, every choice we make is emotional.  The key to success is learning to skillfully apply logic to gently coach our emotions into making the right choices.

Risk Management Reality Check: Life isn't a Hollywood Movie

Risk Management Reality Check: Life isn't a Hollywood Movie


Copyright © Lucasfilm Ltd. 1981

In the life pursuit of financial security, the landscape is littered with potential risks. People choose to navigate this mine-field in many different ways. Some simply bury their heads and hope for the best while others endlessly obsess over risk avoidance.

Unexpected Social Security Changes in 2016

Unexpected Social Security Changes in 2016

On November 2nd, 2015 the 2016 Federal budget was signed into law. Included in this law are critical changes to Social Security claiming strategies which will negatively impact many recent and soon-to-be retirees.  These changes will impact workers younger than age 66 on April 30, 2016. Current benefit recipients will not be affected.

Understanding Portfolio Yield

Understanding Portfolio Yield

The Basic Components of Return

Investment return can be broken down into two distinct components: Appreciation/Depreciation, and Yield.  It is important to distinguish one from the other because each may be an advantage or disadvantage under different circumstances.

Of Guides and Outfitters

Of Guides and Outfitters

A man traveling cross-country in an unfamiliar land stops and asks for directions. He is directed to a local outfitter, whom he is told can provide the help he needs. Upon meeting the outfitter he explains his circumstances. The outfitter tells the traveler about the features of the local terrain, the extremes of weather that can be expected, and other difficulties that the traveler may encounter on his journey. The outfitter explains that the traveler needs good boots, rain gear, compass, and a flashlight, and says that he happens to sell those very tools.

Half Way

Half Way

Congratulations, You’re Half-Way!

Half way? That’s probably not what you want to hear the day you retire. Retiring is like crossing the finish-line isn’t it? Well, it may be the finish-line in some regards, but for finance and investing it is merely a milepost marker on a long stretch of highway. Some investors are of the opinion that when retirement begins it marks the end of owning a portfolio of equity investments and heralds the transition to a fixed-income portfolio. The idea being that a fixed-income portfolio is safe and provides a steady stream of retirement income.

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