Category Archives: Cash Flow & Debt

Tax Extenders: To Be or Not To Be?

Tweet With congress returning to work this week, there are a few items that are still up in the air for tax year 2014.  The most pressing issue (at least in relationship to taxes) is the topic of tax extenders. These extenders expired Dec 31, 2013 and unless legislation is put in place this expiration could be costly for many taxpayers. The … Continue reading

Posted in Business planning, Cash Flow & Debt, Fee-Only Financial Planning, Taxes | Leave a comment

Unexpected Inheritance….Now What?

Tweet Beloved Aunt Millie dies and leaves you some cash. Now what? How about a new house? Do you rush out and buy that new car? Unfortunately, a new car is often on the top of the list of purchases. I am often surprised at the lack of forethought that goes into the decision making process of most Americans when it comes … Continue reading

Posted in Cash Flow & Debt, Fee-Only Financial Planning, Financial Planning, Taxes | 3 Comments

Are you on Track?

Tweet I recently posted an article regarding the importance of correctly measuring your financial growth by using net worth as the measuring stick.  The purpose of the article was to outline the difference in investment growth and net worth growth.  You can revisit the article by clicking here. Now that we know how to measure growth and the importance of understanding net … Continue reading

Posted in Cash Flow & Debt, Estate planning, Fee-Only Financial Planning, Financial Planning, Investments, Retirement, Savings, Taxes | Tagged | 3 Comments

Knowing “No” and “Yes”

Tweet I always enjoy the relaxed pace of summertime.  This summer was especially great in terms of my time spent reading.  I have really enjoyed some of the stuff I have read over the last couple months, which included everything from finance information to spiritual reading to more time just enjoying the Wall Street Journal. I am better off for spending this … Continue reading

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How to Measure Growth

Tweet What rate of return did your portfolio generate in 2011? As an advisor, I often get asked the question about investment returns.  But, as a fee-only advisor, I feel this question is misguided.  While investment returns are an important aspect of our overall financial health, they are simply a piece of the puzzle.  As a matter of fact, I don’t even … Continue reading

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Behavioral Finance 101

Tweet Behavioral finance sounds like a laborious upper level college course required for financial geeks, like myself. But, behavioral finance (at least my definition) is actually one of the top driving forces behind the successes or failures in our personal financial lives. Investopedia’s definition of behavioral finance: a field of finance that proposes psychology-based theories to explain stock market anomalies. My definition … Continue reading

Posted in Cash Flow & Debt, Fee-Only Financial Planning, Financial Planning, Insurance, Investments, Taxes | Tagged | 4 Comments

The Zero Percentage Trap

Tweet I was recently asked whether or not a 0% auto loan was a deal worth pursuing. My answer was short and sweet: usually not…..at least usually not for most people. The explanation requires a bit more clarification. From a logical standpoint, a 0% loan sounds like a homerun, right? I would certainly jump for a 0% mortgage….wouldn’t you? But, the 0% … Continue reading

Posted in Cash Flow & Debt, Fee-Only Financial Planning, Financial Planning, Savings | Tagged , , | 3 Comments

Masterful Thoughts

Tweet Nothing epitomizes spring more than the iconic tradition known as The Masters. Held in the quaint, southern town of Augusta, Georgia, The Masters symbolizes everything southern….hospitality second to none, a measured pace of life, and most of all: breathe taking beauty! On April 8, 2012, at 8:10am, my wife and I entered gate 6 of Augusta National. Easter Sunday at the … Continue reading

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What Most Advisors Will Not Tell You

Tweet Perception is not always reality.  This is certainly true when it comes to financial planning. Many people feel that advisors are here to pull the reigns when spending gets out of control.  Well, that is true in some cases (maybe all cases for some advisors), but for my practice it seems that guiding my clients to enjoy their money is more … Continue reading

Posted in Cash Flow & Debt, Fee-Only Financial Planning, Financial Planning, Savings | 2 Comments

Alert: Be Careful of this Investment Strategy

Tweet The stock market has certainly had a bumpy ride over the last few years.  The instability of the market has created a large number of questions for the individual investor. One question that I have been asked by many involves stock dividends. The question goes something like this: If money market and CD rates are paying laughable returns, why not invest … Continue reading

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Posted in Cash Flow & Debt, Financial Planning, Investments, Savings | 2 Comments