Month

February 2012
Tonight at my son’s Cub Scout meeting they had a reptile expert come show his various reptiles that they’ve rescued. He talked about how a big problem is that people buying reptiles don’t take into consideration how long they can live. Snakes can live beyond 20 years, alligators 70 years and tortoises for 200 years....
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In full disclosure, I am a financial advisor and for objectivity’s sake I’m going to pretend for a moment that I’m terminally ill and this is the advice that I’m giving to my existing clients on choosing someone other than me. First of all, I think that you have to decipher fees versus costs. Yes,...
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In the previous installment I went over a glossary of stock terms, let’s continue our definitions. These terms are not usually the first numbers you see on a stock, but can tell you important information about how a company is doing. Inst. Own – This is short for “institution ownership”, it tells you how much...
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A constant goal that I have is to educate clients. My hope is that when clients hear terms in the media or in casual conversation that they could have some understanding of what is being discussed. The other day a client asked me what a “price per earnings ratio” was (otherwise known as a “P/E...
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Most of us know the heads of these organizations: Ben Bernanke as the Chairman of the Federal Reserve (Alan Greenspan being his predecessor) and Timothy Geithner as the Secretary of the Treasury (Henry “Hank” Paulson being his predecessor). But it’s not always obvious how each of them is functioning. The US Treasury Department can be...
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As I write this, the Dow and S&P 500 just closed out about on another post-Financial Crisis peak (if you can pretend for a second that the Financial Crisis is over). The S&P 500 needs another 14.61% and the Dow needs another 8.7% and each will be setting all time record prices. Not only that,...
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Last year, the US Bureau of Labor Statistics reported that inflation was 3%, but many of us feel that things have gotten far more expensive. I feel that there are three reasons for this: 1. Perception – From a psychological standpoint, you’re going to emotionally register a price increase (i.e. as “pain”) with a stronger...
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In the previous article on bonds (“Part 1”) I gave an analogy to help readers understand how bond prices can move based on how the interest rate environment changes. Let’s go back to that bank lobby where we’ll pretend that you can buy and sell CDs to illustrate how other things can effect bond prices....
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The way the media reports day to day bond market activity can be confusing. The reason is that they can either choose to focus on price or yield to convey what they did that day. One reporter may say “prices on bonds rose today” and another may say “yields on bonds fell today” and they...
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Boomers are in a tough spot. They’ve had two of the most severe stock market declines in the past 80 years and now they are in an investing environment with fixed income rates (such as on CDs or savings bonds) that haven’t been this low in their lifetimes. To make matters worse, inflation has been...
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