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Blog

2001-2011: The Golden Years of Investing

I’m being tongue in cheek, but speaking literally of gold and all the gold hype. Before 2000 for about twenty…
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Your Homework for Today …

I believe that the Zen Masters of Investors, the Jedi Knights of Financial Advisors are namely those who have a…
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The Story the Media is Missing

“Europe is unraveling …” or so the story goes 24 hours a day at various levels of intensity.  It’s not…
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What the (not-so) Safety Bubble and What it Spells for Retirees

I’ve written at length about why the “safe” investing instruments might not be so safe. There is another nuances to…
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How the Treasury Rates Can Tell You How to Invest

Five years ago (Spring 2007), if you had told me that the 10-year US Treasury Rate would have been 1.39%…
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The US Economy … Minus Housing over the past Decade

With my writing I usually try to keep things practical (namely the topics of financial advising, financial management, investments and…
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Will the True Victims Please Step Forward

Logic and good thinking is a hobby of mine. Conversely, dishonesty, misleading facts and poor thinking are very irritating to…
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US Slow Growth Economy: It Doesn’t Mean Your Growth has to be Sluggish Too

The Federal Reserve, along with an average assessment among economists, are publicly setting growth expectations lower than historical averages. Last…
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The Erasing of a Financial Crisis

To many, the mark of the beginning of the financial crisis was on March 16, 2008 when Bear Stearns was…
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The Next Decade: Reversion to the Mean or a Historical Winter?

A very difficult area of scientific prediction is that of fluid dynamics. Or, the science of predicting how a fluid…
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The Financial Crisis: Can the American Dream Turn into a Nightmare?

Homeownership has often been called the epitome of the American Dream. When I bought my first house at the ripe…
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The Shaking of the Rattlesnake’s Tail?

For years, analysts have been predicting the collapse of the 30 year bond rally. Since 1982, bond prices have generally…
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All Aboard! Another Day, Another Call to all Lemmings

Today, as I write this at 10:30am Denver time, the stock market is in hefty selloff. However, truth be told,…
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How to Figure Out Net Yield on a Municipal and US Treasury Bonds

When investing in municipal bonds, it’s important to keep in mind that the yields are generally not an across the…
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How to Figure Out the Net Yield on a CD (after Taxes and Inflation)

With investing, it’s always important to get an apples for apples comparison so that everything is on a levelized playing…
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Only Twice in US Financial History

Halley’s Comet visits earth every 76 years. For the average person, this is a once in a life time event.…
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6 Common Risk Statistics on an Investment

When you look up an investment, often it’s published with the six risk statistics: Alpha, Beta, Mean Annual Return (or…
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How to Keep Yourself from Being Destroyed by an Asteroid

Recently there was a special on TV about the various meteors that NASA has tracked. You may be relieved to…
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Bizarre Trends in Medicine for Baby Boomers

I love to talk about longevity. I think it’s very fascinating to think about and crucial for me to help…
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Stocks: A Tale of Two Prices

Recently the Dow Jones Industrial Average has made headlines as it crossed the 13,000 mark for the first time since…
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Investing for 200 Years

Tonight at my son’s Cub Scout meeting they had a reptile expert come show his various reptiles that they’ve rescued.…
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How to Choose a Financial Advisor

In full disclosure, I am a financial advisor and for objectivity’s sake I’m going to pretend for a moment that…
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Stocks Part 2 – Understanding the Numbers and Ratios (less basic)

In the previous installment I went over a glossary of stock terms, let’s continue our definitions. These terms are not…
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Stocks Part 1 – Understanding the Numbers and Ratios (basic)

A constant goal that I have is to educate clients. My hope is that when clients hear terms in the…
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What’s the Difference Between The Federal Reserve and The US Treasury Dept

Most of us know the heads of these organizations: Ben Bernanke as the Chairman of the Federal Reserve (Alan Greenspan…
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So Much for the End of the World

As I write this, the Dow and S&P 500 just closed out about on another post-Financial Crisis peak (if you…
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Why Does it Feel Like My Own Expenses are going up Faster than Inflation?

Last year, the US Bureau of Labor Statistics reported that inflation was 3%, but many of us feel that things…
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Bonds Part 2: What Else Affects Price Movements?

In the previous article on bonds (“Part 1”) I gave an analogy to help readers understand how bond prices can…
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Bonds Part 1: The Difference Between Price and Yield

The way the media reports day to day bond market activity can be confusing. The reason is that they can…
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Financial Management Unique to Baby Boomers

Boomers are in a tough spot. They’ve had two of the most severe stock market declines in the past 80…
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Municipal Bonds 101

A common way that people have the chance to earn a tax free rate of return is through municipal bonds.…
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