Posts Categorized: Weekly Insight

| Weekly Insight

Weekly Insight: Self Driving Cars

The idea of a self-driving (autonomous) car is just about as old as cars themselves.  However, advances in radar, laser light, GPS, odometry, and computer vision are going to make self-driving cars a reality sooner than most people think.  Currently, the versions of automated cars permitted on public roads are not fully autonomous. They…

| Weekly Insight

Weekly Insight: Q1 2017 Review and Outlook

We are very pleased to report another quarter of positive performance. In my January letter, I discussed many of the changes we made to our portfolios during the second half of 2016, such as eliminating mutual funds which had been underperforming, bringing down internal expenses, narrowing our individual stock selection…

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Weekly Insight: Investing for Retirement Income

Priorities change as we progress through different phases of life, and investment objectives are no exception. We grow up conditioned to look at “rate of return” as the main measurement of investment performance. However, the amount and sustainability of income distributed from a portfolio is more important for most retirees….

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Weekly Insight: The Sustainable Withdrawal Rate

Occasionally, I teach a retirement planning course at local community colleges. I pose this scenario to the attendees: Consider an investor with two accounts that each average an 8% rate of return over a 25-year period. Account (A) had good years in the beginning and poor results at the end….

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Weekly Insight: FAQs Regarding Retirement Planning (Part 2)

This week we continue our list of most frequently asked retirement planning questions. Check out FAQs Regarding Retirement Planning (Part 1) if you missed it last week. How should I change my investments when I am getting close to retirement? The idea that you need to invest more conservatively once…

| Weekly Insight

Weekly Insight: FAQs Regarding Retirement Planning (Part 1)

A couple of years ago, we wrote an article called The Best Is Yet to Come, which explained why retirees are happier and more content than younger folks. One factor fueling retiree happiness is financial security. To that end, we help people plan for retirement so they will not have…

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Weekly Insight: What Is an IPO & What Is Snapchat?

The parent company of Snapchat “went public” last week. What does that mean? It means that anyone can now buy shares and become a part owner of the company. An Initial Public Offering (IPO) accomplishes a few things: Provides additional funds for a company to expand (capital) Gives early investors…

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Weekly Insight: FAQs on the Mortgage Interest Deduction

I was listening to a recent interview of six different economists on NPR. The topic was which tax and spending policies were good or bad for America. Two things shocked me: That six economists could agree on anything, and..   The one thing they agreed on was that the home…

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Weekly Insight: How Much Debt Is Too Much

One of the big personal finance stories of the past week is that American households once again have approximately as much debt as they did before the financial crisis. However, when you read past the headlines, you can see that personal balance sheets are much stronger than they were (on…

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Weekly Insight: Latest Research on Reverse Mortgages

It has been over 2 ½ years since I wrote this article on Reverse Mortgages. Recently, I am getting lots of questions about reverse mortgages, even from clients with significant investment portfolios. In other words, the RM is not necessarily a tool of last resort. The first thing to understand…

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