2021 Financial Check-Up
2020 is finally over – good riddance! Although most of us stayed incredibly busy at work, it was an incredibly stressful year. Plans were upended, travel came to a stop, visiting friends and family became verboten. Not to mention the millions…
The Bear market Is Here……And That’s Not Necessarily Bad
The bear Is here……and that’s not necessarily bad! It’s been a wild ending to the longest bull market in history. Over past 11 years, the stock market returned approximately 339%. Did COVID-19 kill the bull? Or was it the oil…
Are You the Victim of Financial Infidelity??
With valentine’s day just around the corner, a recent study shows that about 44% of Americans are guilty of infidelity. No, not the kind that happens between the sheets. According to the authority on the matter, “Cosmo,” that involves only…
A Realists View of New Year’s Resolutions
It’s January. It’s that magical month when we make unrealistic new year’s resolutions we have no real probability of keeping. Of course we tell ourselves that this year will be different. But it never is. Need proof? Every gym in America…
A Recession Is Coming…… Are You Prepared?
Riding the longest wave of economic prosperity ever in modern history, it’s easy to lose sight on one important fact: a recession is coming. No doubt about it, the past 10 years have been very good. The S&P 500 (one…
IPOs – sound investment or risky speculation ?
Unless you’ve been sequestered for the past few weeks, you have no doubt have heard about the train wreck that is WeWork. This is the company that provides shared workspace. The idea is simple. Rent out really expensive real estate…
Inverted yield curve, what is it and and why do we care?
The bond “yield curve” has become “inverted” and suddenly every financial pundit is crying “the sky is falling”! – Or at the very least that a recession is imminent! To understand what they are talking about, we first need to…
Death and Tax Brackets
There are only three constants in life: Death, taxes, and folks having no idea what tax brackets really mean. Why do I say this? Because I regularly run into otherwise well educated people who think that because they are in…
Its not the “toast”!
I love avocado toast. There, I’ve said it! More specifically, there is a “toast trailer” in South Mountain that sells the most amazing avocado toast. When the trailer is out on 24thstreet – weekends from October to May – that’s…
Lifestyle Creep – The Enemy of Wealth
It’s no secret that today’s veterinary students are saddled with virtually insurmountable mountains of debt. Most will end up making income-based payments over 20-25 years, then pay the “tax bomb” and walk away. Yet there is another enemy of wealth…
