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Resources / Education

Variety, the spice of Life

This letter’s emphasis is on the places you own companies.  I can tell you the great variety of countries playing in Brazil at the World Cup soccer games has got nothing on you. First, the context of these remarks is simply around diversification of investments; as you innately are aware, not having all your eggs in one basket is smart.  It is simply unwise to concentrate your investments in any one country, much less company.  For those who were…

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Best Practices

  There are two things we’ll cover in this article, and we think their answers will surprise you; With the stock market up dramatically, what is the underlying nature of ‘stock market highs’? Are investments the most important thing? On the initial topic, what is unknown by most is that since 1926, the Dow Jones Industrial Average has reached ‘an all-time high’ every 18 days.  It is true that we saw the US market up roughly 16% in 2012…

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Devil in the Details

  A long time ago, someone in your life inevitably made the observation that “the devil is in the details’.  Whether pertaining to buying a car or planning on how to make the wedding look ‘effortless’, as in most adages of old there is more truth in them than we first recognize.  The same thing holds for investments.  In this letter we’ll try to briefly describe, and try not to bore you in the process, the little details that…

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Wisdom Tables

As we write on this day where the market charges up another 100 points, we are only reminded of this reality; No one really knows where the market will head on any particular day.  More importantly, no one knows where the market will head on any particular year.  Professionals in the industry state they know all the time, some because they believe they know and others because they want to reflect this prescience to clients as part of their…

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Growth to All

  This month we don’t want to talk about the stock market directly, but indirectly, in a more fundamental way.  We want you to step back and view the world with us at a 50,000 foot level.  There are three key points for your consideration. The first is, sooner or later, an investor will have to have someone else buy his or her assets that they are holding.  This point is easiest to think of when viewing retirees, who must…

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Ballast

  Over the past few years we’ve been periodically asked by clients why, if stock returns are so good, that we don’t put even more stocks into your unique portfolio.  Given the high equity returns in 2012 and 2013, the question has come up a few times so we’re going to address it here. You have a portfolio created to do one key thing in mind; invest with a goal-based (outcome based) financial plan in mind to achieve the…

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Mind the Gap

As regards the stock market, at a time when everyone seems to be wondering ‘When will the other shoe drop?’, I want to add some helpful perspective. How are your grandkids?  Were your Holidays fulfilling? Which is to say, who cares about the other shoe when the utter foolishness of predictions seem to be well established?  Concentrate on the things you can control.  You cannot control the market (never can, never will).  You can control emotions (the predominant ones…

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Money on the Table

  If you have ever run a business, or responded to an RFP (Request for Proposal), one or both of two feelings is always felt by those competitive leaders involved, albeit the sentiments are in competition to each other.  The first is; (a) “Did we win the bid?”  The second question, presuming the first is affirmative, is; “How much money did we leave on the table?” If you’ve ever been in the above circumstances, we sense that even now…

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Truth Man Ship (It)

  We have yet another period of trauma in Washington, DC.  Forget about which cause, what legislation, it is now becoming a sequel event and the sagacity of all parties is questionable.  Talk of ‘brinkmanship’, ‘poor statesmanship’, and other such ‘ships’ of the night abound.  We want to talk about something that is missing in these affairs de state, and it is truth.  Unvarnished, possibly equally offending to both sides, unappreciated and certainly unpracticed TRUTH.  These truths do impact…

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Fruits of Your Labor

  Perhaps we’re in a bit of a challenging mood, but as we write on this Labor Day, we simply want to know if our money is laboring as hard as we are.  With the great efforts and deep sacrifices you’ve made to accumulate the very nice pot of dollars you have in your accounts, you definitely deserve to know the same. Here are the answers; As you know, you are invested “passively”.  The alternative investment philosophy as you…

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