The Asset Allocation Within Your Asset Allocation
with No Comments

It is good to take the two categories which are most similar and use them as underlying sector divisions within the same larger asset class.

Your Asset Allocation Should Be Priceless
with No Comments

The value of not running out of money when making withdrawals cannot be measured.

The Art of the Rebalancing Bonus
with No Comments

Portfolio design and rebalancing is both a science and an art. Knowing that rebalancing boosts returns is useless unless you as the investor follow through.

The Science of the Rebalancing Bonus
with No Comments

Rebalancing can both boost returns and lower volatility, but most investors do not understanding how.

Cost-Benefit Analysis for Financial Planning
with No Comments

The cost of commission-based advisors are so hidden that you may be paying more than you realize.

Schwab Intelligent Portfolios: Services Not Provided
with No Comments

A computer algorithm cannot help you with these things.

Schwab Intelligent Portfolios: Incomplete Rebalancing Algorithm
with No Comments

See our review of the two pros and nine cons of how Schwab monitors and rebalances portfolios.

Schwab Intelligent Portfolios: Built on a Faulty Premise
with No Comments

It is a great marketing campaign, and the service is a wonderful idea, but the asset allocations of SIPs aren’t actually that intelligent.

Stock Ownership Is a Bad Strategy for Social Change
with No Comments

You cannot help a company by buying its stock.

Did Obama Violate an SEC Regulation?
with No Comments

From the blind eye of the law, this seems like a violation of SEC regulation.

Twitter’s Reign of Terror
with No Comments

“They find whatever is different and peck it to death.”

“Citizenfour” Reminds Us We Should Still Be Outraged
with No Comments

The domestic spying of the executive branch deserves our outrage. Efforts like “Citizenfour” that keep the issue in the public eye deserve our support.

Three Reasons To Engage In Gift Giving
with No Comments

The new holiday cliché is to complain about hyper-materialism, but gifts and gift giving help shape our identities.

The President’s Impact
with No Comments

Obama evidently believes that politicians are elected to make a difference in the lives of Americans. The problem is that no one can opt out of a federal impact.

Wealth Redistribution and the Most Social President
with No Comments

The loudest tend to drown out competitors regardless of whose reasoning is better.

One Hidden Way the IRS Hurts the Bereaved
with No Comments

It is often said that the only two certainties in life are death and taxes. The IRS takes that truism to heart.

The Success of Freedom Investing
with No Comments

It is a simple thought experiment. Would you rather invest in South Korea or in North Korea?

Understanding Cash Flow Is Critical
with No Comments

Regardless of income level, overspending causes poverty.

The Delirious Happiness of Free Market Choice
with No Comments

Here is one of the most brilliant breakthroughs in all of food science and how it relates to almost every aspect of life.

Obama Acts Like a Mob Boss, But There Is a Solution
with No Comments

A mob boss exercises absolute control over his many followers and profits from the often criminal activities of his organization.

Contact Lens Regulations Cost Consumers Billions
with No Comments

It is illegal to sell contacts in the United States without requiring a prescription. A Federal Trade Commission regulation provides penalties of up to $11,000 per violation.

How Not to Promote College Innovation
with No Comments

These noble-sounding goals intuitively appear useful, but the federal government has only two ways to encourage change and neither of them helps in this case.

How To Buy A College Degree
with No Comments

Unfortunately, Obama’s good intentions are thwarted by the economic principle formulated by banker Charles Goodhart.

The Economics of a Thanksgiving Turkey
with No Comments

The average factory-farmed frozen turkey from a grocery story is sold for as little as $0.67 per pound. Economics can offer five explanations.

We Need a Partial Shutdown of Government
with No Comments

Unless McConnell is willing to risk a government shutdown, he will ultimately have to acquiesce to Obama’s wishes.

Do New Healthcare Plans Cost More?
with No Comments

Last year plans were being cancelled. This year, citizens are receiving notifications of rate hikes in the double digits. Is this really happening?

The Drive of the Lottery
with No Comments

The lottery is based on the most powerful way to motivate people and change their behavior: a variable reward in response to a specific behavior.

The Mindset of the Lottery
with No Comments

The classic conversational pastime of answering the question, “What would you do if you won the lottery?” could help you or it could hurt.

The Luck of the Lottery
with No Comments

Government-run lotteries have a sordid and monopolistic past. Should we enforce a separation of sin and state?

Five Lessons from the Whiskey Rebellion
with No Comments

The Whiskey Rebellion established the sovereignty of “we the people” to tax and oppress any selected group.

How To Diversify Highly Appreciated Stock
with No Comments

Exchange funds, also know as swap funds, can provide investors with one highly appreciated security a way to trade it for an equivalently valued but more diversified portfolio.

Appreciating Donor Advised Funds
with No Comments

There are five ways that both you and the government could make charitable giving more significant.

How Can We Make Medical Insurance Affordable?
with No Comments

We must return, as much as possible, to a fee-for-service approach to health care and restore the traditional doctor-patient relationship.

Why Do Physicians Permit, If Not Encourage, Futile Medical Care?
with No Comments

We can only afford to allow others the freedom to strive against death when we are not trying collectively to subsidize it.

Skin in the Game of Health Care
with No Comments

“Shouldn’t patients and their families have some skin in the game as a brake on the profligate spending of other people’s money for health care?”

Cryptic Medical Bills And Health Insurance
with No Comments

Next time you receive an unintelligible medical bill, remember how hard it is for your doctor to get paid.

U.S. Health Care Costs versus Health Outcomes
with No Comments

Asians in New Jersey have the best life expectancy of any racial or ethnic group.

Why Are Insurance Companies Reluctant To Cover Preventive Care?
with No Comments

Now there is absolutely no charge for a costly set of test and procedures on the all-you-can-spend preventive care buffet.

Do We Need Price Controls to Stop Exorbitant Hospital Fees?
with No Comments

After the birth of my (David’s) first child, my wife and I noticed we were being billed for a very expensive bedpan and box of tissues that we had never used.

Why Are Canadian Drugs Cheaper?
with No Comments

Why shouldn’t we just institute price controls in America?

Chipotle’s Wisdom
with No Comments

These quotes are provocative for what they say about us as Americans.

The Wealth Of Nations Is Their Freedom
with No Comments

“When institutions protect the liberty of individuals, greater prosperity results for all.” – Adam Smith

Are We Lab Rats?
with No Comments

If you are not paying for the product, you are the product.

Our Government Versus The People
with No Comments

Government has never been known for customer service. But today it is known primarily for being against the very people it is supposed to serve.

FINRA Supports Regulation to Quell Competition
with No Comments

Beware of government regulation, especially when a portion of the industry thinks it’ll be good for business.

Fight the NSA with Your Choice of Search Engine and Browser
with No Comments

We are all embarrassingly honest with search engines.

Capability Is Tyranny
with No Comments

Those who stand by and do nothing are complicit in aiding the loss of freedoms for others.

Fourteen Ways to Avoid Paying Capital Gains
with No Comments

The capital gains tax traps wealth in an investment vehicle requiring special techniques to free the capital without penalty.

Capital Gains Tax Gets More Complicated
with No Comments

Now you may pay one of at least four different capital gains rates. The strategies to deal with capital gains differ for each level.

How To Bilk Obamacare
with No Comments

Learn how a family of four can qualify for a full subsidy with an income of $140,000 a year.

1 2 3 4 5 8

Subscribe to our newsletter!