Video: Timing the Market Isn’t All Fun and Games
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Market timing is the attempt to switch a significant portion of your assets between different types of investments in an effort to maximize profits. If this is your investment strategy, good luck, because you’ll need it.

Avoiding a Civil War over Health Care
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Half of the country are political Vikings who pay their taxes by raiding and pillaging the productive.

Cash For Clunkers: The Economy And The Environment Suffer
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A country can’t prosper destroying perfectly good used cars.

Video: The 5 Most Important Documents to Have
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Communicating honestly about your finances with your family and putting your estate in order passes on a legacy of foresight and financial wisdom that will help generations to come.

Investment Strategies Part 5: In Defense of Diversification
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Diversifying your asset allocation among investments with a low correlation can and should reduce your portfolio’s volatility and boost your returns. But critics are claiming this strategy is no longer valid. That’s because they don’t understand the nature of what happened in 2008.

Seven Termites That Eat Your 401(k)
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We call the difference between the market return and typical investor returns the “termite gap.”

Video: Choose the Appropriate Investment Vehicle
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There are significant advantages to using different investment vehicles in different types of accounts.

A Full Credit Lockdown
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Identity theft is becoming distressingly common as personal information becomes easier to swipe.

Video: How to Avoid Higher Cost Mutual Funds
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Investing in some mutual funds is like buying a $3 candy bar and paying $5 shipping and handling. All mutual funds are not created equal, and you can boost your returns by doing a little homework before writing a check.

Video: Managing Cash is Key to Meeting Goals
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Managing your family’s cash is key to meeting your financial goals.

Safeguard #8: Avoid an Advisor with a Lavish Lifestyle
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There will always be swindlers masquerading as investment advisors. You can learn to recognize such people by their over-the-top lifestyle.

Safeguard #7: Avoid Investment Advisors Who Sugarcoat Reality
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Excellent advisors communicate clearly exactly how bad the markets have been and can be.

Investment Strategies Part 4: Don’t Rebalance at the Sector Level
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Rebalancing between asset classes boosts returns and decreases volatility. But setting your asset classes based on sectors of the economy is not an effective strategy.

Investment Strategies Part 3: Rebalance Regularly Between Asset Classes and Subcategories
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In this formula is deep wisdom, both for portfolio construction and for determining which categories are worth regular rebalancing.

Video: June: The Month of Wedding Financial Planning
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Couples getting married in June usually don’t take the time for pre-marital financial counseling. Yet much of the friction in marriage stems from different financial perspectives, and how money is handled is often a factor in divorce

Investment Strategies Part 2: Use Correlation to Define Asset Classes
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Generally, a correlation that can drop below 0.6 with other asset classes is a good candidate to become its own asset class.

Investment Strategies Part 1: Rebalance into Stable Investments in an Appreciating Market
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Diversifying your portfolio means finding assets that have value on their own merits but do not move exactly alike. A critical investment metric called “correlation” is used to construct a portfolio most likely to meet your personal financial goals.

Achieving Family Harmony in Estate Planning Part 2: Make Sure Your Plan Fits Your Unique Needs
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Estate planning must begin with family harmony as the goal. Thus personal dynamics are more important than avoiding probate and estate taxes.

Achieving Family Harmony in Estate Planning Part 1: Leave Your Estate in the Right Hands
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The most important product of estate planning is achieving family harmony. Think carefully when you choose your executor or trustee.

Video: Roth Segregation Part 1: IRA Tax Law
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A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

Roth Segregation Accounts
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A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

Video: Roth Segregations
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A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

Video: Roth Segregation Part 2: Implementation
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A complex technique called “Roth segregation accounts” could earn your investments an extra 30% over the next two years.

Getting Started With Investing
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There isn’t a better time to invest than today. Getting started can be intimidating, but these simple steps will help you through your first few years of investing.

Video: Getting Started with Investing
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There isn’t a better time to invest than today. Getting started can be intimidating, but these simple steps will help you through your first few years of investing.

Social Security 6: The 70-66 Strategy
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Future earnings and the potential for Roth IRA conversions should be part of your plan.

Social Security 5: File and Suspend for Soon-to-Be Widowed Homemakers
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Healthy spouses with little earnings should encourage their partners to delay filing.

Social Security 4: File, Repay and Refile to Get an Interest-Free Loan
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Filing early and then repaying is the least dangerous for those who are single or for a husband and wife whose benefits are roughly equal.

Social Security 3: Delay Filing for Younger Wives and Homemakers
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Dying young never jeopardizes a retirement plan financially.

Social Security 1: Planning Is Crucial
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Your filing option choices may be worth $250,000 of income or more.

Government-Provided Economic Security Is an Illusion
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The various congressional bailouts have been touted as essential to the nation’s economic security. So long as the notion of economic security remains vague and abstract, it has wide support. But anyone who examines the details should realize this so-called security threatens our freedom and stability.

Safeguard #6: Recognize And Avoid Financial Hooks
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To safeguard your money, you must be able to extricate yourself from any bad investment quickly. Of course, the companies that sell mistakes don’t want you to be able to do that, so they use financial hooks to hold your money captive.

Safeguard #5: Understand Your Investment Strategy
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You have a critical part to play in financial planning. Certain responsibilities cannot be delegated to others.

Safeguard #4: Buy Investments That Trend Upward
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Crazy volatile markets push people toward irrational investment schemes. Know how to avoid them in order to safeguard your money.

Video: Seven Financial Vows for Marital Bliss
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An overwhelming number of failed marriages cite financial troubles as a major factor in their breakup. This is no surprise because the way we use our time and money reflects our values. Without a strong set of shared values, marriages drift apart. But, dealing with finances together can bring a couple closer. Here are seven principles of how you can build wealth and your marriage.

Safeguard #3: Insist on Publicly Priced and Traded Investments
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One important safeguard is to insist on investing only in liquid assets. Investors undervalue liquidity 99.9% of the time. You need to be in the other 0.1%.

Safeguard #2: Walk Away from “Too Good to Be True”
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There are several investment safeguards you should insist on. One is to avoid any investment opportunity that sounds too good to be true.

Safeguard #1: Do Not Allow Your Advisor to Have Custody of Your Investments
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I was recently asked if investors should trust their financial advisors. And my short answer, you may be surprised to hear, was no. Your financial advisor should not also have custody of your investments.

Financial Resolutions for the New Year – 2009
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Every year many of us make New Year’s resolutions and then can’t follow through because we claim we’re too busy.

A Christmas Sermon
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Christians celebrate the birth of Jesus on Christmas Day. But for too many of us, it’s the season that unravels the careful financial planning of the previous 11 months. So this year, instead of trading your financial goals for a mountain of gifts and debt, take a moment to contemplate how a spiritual perspective can help you put your wealth in perspective.

Financial Time Perspective
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Philip Zimbardo’s latest book, “The Time Paradox” suggests that understanding your own time perspective may help you unlock the secrets of financial freedom. In other words, how we think determines who we are and what we do.

Owners of Second Homes: Beware of New Tax Laws
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A shortage of people are buying real estate and we’ve passed a one-per-customer tax incentive law.

When Will The Markets Stop Dropping?
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There is always a day of reckoning when people use debt to leverage their investments.

Dropping the Baton in Estate Titling
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How you “title” the property you own is a lot more important than you might think. Failure to title your assets properly could undo the best will and trust planning that money can buy.

Keep Christmas Your Own Way
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This year, give your family the gift of financial peace of mind. Celebrate the season simply.

Give Generously During Hard Times
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For charity to be a virtue, it must be freely given from your own resources.

The Assault on Free Markets
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Free markets are under assault in America. We have seen much hyperbole and slander in these past two years of political polarization. But the idea of capitalism and free markets has received more negative campaigning and vicious attack than both candidates combined.

Part 2: Privatization Could Fix Social Security
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Privatization eliminates benefits for those who can do better with 5% of their payroll taxes than the government does with the entire 12.4%.

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