Atkins Investing Part 2: Low-Carb Investing Has Resulted in Healthy Profits
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Diversify your business and your investments. That way fads and trends won’t determine your financial success.

Atkins Investing Part 1: Low-Carb Trend Has Caused Some Companies to Lose Weight
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Adapting and reacting to trends is important in investing and crucial in small business.

Gas Prices Part 2: Remove Taxes and Price Controls on Gasoline
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At least 40% of the federal gasoline taxes are wasted on non-highway items of dubious general welfare. And 2.86 cents of the revenue is used to subsidize mass transit unused by all but a few large cities.
As an additional inequity, Virginia is a donor state. That means that Virginia, like most southern states, sends the government more in gasoline taxes than it receives in federal pork. We don’t even get to waste our own money! Most of the pork is sent to the Northeast and to states with more influential senators.

Gas Prices Part 1: High Gasoline Prices Are The Best Energy Policy
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If market forces drive up the price of gasoline, any efforts to reduce it aside from supply and demand punishes the exercise of economic freedom and personal responsibility. If you find the moral argument of freedom unconvincing, free markets can still win the pragmatic debate.

How to Live on 24 Hours a Day
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Don’t put off the things that truly matter to you until you have more time. You will never have any more time than what you are given each day.

Maintain Financial Balance When in Business
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Running a small business requires financial balance. Here are ten rules.

Business Planning Must Balance Dreams With Reality
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Many businesses can be started in your spare time, from your home. This allows you to test the waters and determine if the market can eventually support you on a full time basis.

Health Savings Accounts
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All systems must have a regulator in order to dampen runaway reactions. Healthcare coverage is no exception.

The High Cost of Medical Benefits
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Here is a rule for building stable economic systems: Who pays for a service and who is empowered to decide if a service should be given and who actually benefits from the service should all be the same person.

Everyone needs some frivolous purchases
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When you make a frivolous purchase, tell your spouse that you made it. If you can’t tell your spouse about the purchase, it isn’t worth the trouble. Above all, learn to work together in marriage. Being wealthy requires a husband and wife to both be frugal.

Long-Term Care Insurance Is Too Risky And Too Expensive
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Some types of insurance are a good idea. But LTCI is better handled by preparing early in life.

Wealth is what you save, not what you spend
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The real lifestyles of the rich in Charlottesville would get very low television ratings.

Social Security Can Be Saved
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We can have our benefits and lower taxes if we are willing to admit that socializing retirement benefits was a mistake and we return to trusting once again, the in power of free markets.

Financial Resolutions for the New Year – 2004
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Keeping a budget works like a diet. Some diets require you to write down everything you eat and count calories, shares, ranking, or other food units. It makes eating more painful, causing you to eat less.

Holiday Joy Doesn’t Cost A Fortune
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One of my favorite Christmas movies is the version of “A Christmas Carol” starring George C. Scott as Ebenezer Scrooge. I confess that I understand Scrooge’s character.

How To Get Out Of Debt (Part 5)
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Admit your past debt mistakes readily. Like a former alcoholic you must be constantly vigilant against slipping up again.

How To Get Out Of Debt (Part 4)
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You bought more things than you can pay for. That is an error in judgment. Given the evil in the world, your small financial troubles aren’t that bad.

How To Get Out Of Debt (Part 3)
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Only after you have steeled your resolve not to borrow any more money are you ready to deal with paying off your current debt.

How To Get Out Of Debt (Part 2)
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By definition, to get rid of consumer debt, simply stop borrowing money.

How To Get Out Of Debt (Part 1)
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We are losing many potential asset management clients because of credit card debt! The difference between those in debt and millionaires is as small as slight changes in financial lifestyle.

Don’t Eat Yourself Out of Financial Security
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Great financial wealth can be built by living a beer and chips lifestyle on a champagne and caviar budget!

California’s Recall Is A Warning To Us All
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Despite your political persuasion, Governor Gray Davis shows how even the golden goose can be cooked. His mistakes rightly deserve the ridicule he has received.

Investment Losses Can Save You Money
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October is a good time to review your portfolio for investments that can be sold for a loss.

Slow and Steady Wins the Race
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You can learn a lot about financial management from snapping turtles.

How Risky Do You Want To Be?
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“Bet on red.” replied my mother, “Now, let’s talk about how much risk you want to take.”

The Use of Covered Call Options
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It is usually better to be a seller of options than a buyer of options.

Am I Diversified?
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While everyone agrees that you should be diversified, it is important to know what your manager means by the term “diversified.”

Financial Planning Beyond Your Wedding Day
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In addition to registering for a blender and picking floral arrangements, make sure that your marriage has the financial accounts and monetary habits necessary to meet your shared financial goals.

Tax Cuts For Those Who Pay
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The people who pay the highest taxes get the most benefit from a tax reduction. Tax them too much, attack them for being wealthy, and they just may not show up at the table anymore.

Tax Freedom Day 2003 Arrives in Virginia on April 15th
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If you add the costs of complying with government regulations, the cost to society is over 50%. Imagine the economic boom if the other half of workers’ labor were set free to boost productivity!

The History of Mutual Funds
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Today, we have 8,269 mutual funds. About one-third of all common stocks are held in mutual funds.

Strategies for Today’s (Fall, 2002) Stock Market Investing: Why Your Portfolio May Not Be Ready
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Recently record amounts of money have been taken out of stocks and put into bonds. These investors assume that at least their money will be safer in cash or bonds. These assumptions are wrong.

The Five Most Important Documents to Have
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If you think estate planning information is hard for you to pull together, imagine how difficult it will be for someone else who is asked to fill your shoes in an emergency!

How to Avoid Higher Cost Mutual Funds
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If you rely on a commission-based financial product salesperson, you will probably be sold the wrong kind of funds.

How to Avoid Another Stock Market Bubble
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Congress contributed greatly to the bubble through the distorted incentives created by the tax code.

Tax Freedom Day 2001 Arrives in Virginia on April 30th
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These are no longer the questions of the idle rich desiring to hoard their inherited wealth.

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