Where in the World Should You Invest?
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Finding countries where you can plant your investments in fertile soil may be one of the most important asset allocation decisions you make for the next several years.

Save 97 Percent of Any Windfall
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Surprisingly, studies show that onetime windfalls can actually impoverish you. They make you feel rich, which inevitably leads to overspending. But wealth is what you save, not what you spend.

Multiple Accounts: An Essential Management Tool
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To build real wealth, you need specific wealth management tools.Most families have less than half of the accounts they really need, and young newlyweds often only have a checking account.

Pay Yourself First
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The greatest engine to generate real wealth is saving and investing. And the best way to ensure that your default is saving and investing is to automate the process. Pay yourself first, and your savings will grow exponentially.

You Deserve a Fiduciary Standard of Care
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Most investors are not aware of a critical division of professionals in the world of financial services. This distinction lies between fee-only fiduciaries who are free to act in your best interests and commission-based agents and brokers who are required to act in the best interest of the companies that employ them.

Saving: the Most Fundamental Element of Wealth
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Everything in wealth management begins with savings. All wealth comes from producing more than you consume. Unfortunately, most Americans are better at consuming than producing.

Invest in All Six Asset Classes
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Many U.S. investors crowd their assets into a combination of large-cap U.S. stocks and U.S. bonds. This allocation represents only one and a half of the six asset classes described here.

Life Planning Part 3: Twenty-Four Hours to Go
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Imagine that your doctor shocks you with the news that you only have 24 hours to live. Notice what feelings arise as you confront your very real mortality. Ask yourself: What did you miss? Who did you not get to be? What did you not get to do?

Life Planning Part 2: Just a Few Years Left
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“Imagine that you visit your doctor, who tells you that you have only 5-10 years to live. You won’t ever feel sick, but you will have no notice of the moment of your death. What will you do in the time you have remaining? Will you change your life and how will you do it?”

Life Planning Part 1: Plenty of Money
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Life planning takes a holistic look at what you truly value. And for most people, their life is more important than their money. Only after exploring your life goals can you structure your finances to help you realize your dreams.

Appreciating Assets Part 2: Other Investments
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Your investments should be working for you, appreciating more than inflation to become an engine of growth that pays you money and provides some measure of financial freedom.

Appreciating Assets Part 1: Stocks and Bonds
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All assets are not equal. Some investments appreciate better on average than others.

Start Saving for College the Day They Are Born
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My youngest is a first-year student at the University of Virginia. My coauthor Matthew’s youngest child was born only a month ago. There is no such thing as saving too early.

Fourteen Tax Management Techniques
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No one approaches financial planning with the goal of paying more taxes. Tax management, like all financial planning, is based on the premise that small changes made over time can achieve big goals.

Women Have Unique Financial Needs
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Retirement planning is even more crucial for women than for men.

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

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.

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.

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.

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.

Rebalance Accounts Regularly
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A year ago when the markets were all setting new highs, people were asking what they should do with their retirement portfolio. I answered, “Rebalance.” Now that the market is setting new lows, I get the same question, and my response hasn’t changed.

Maximum Safe Withdrawal Rates in Retirement
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Certain assumptions such as maximum safe withdrawal rate are critical in order not to compromise a long and successful retirement.

Learning to Live on Your Own, Part 1
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If you’re like most of today’s college graduates, you may find yourself ill prepared for the real world of financial responsibility. You never saw how your parents lived when they were first married and struggling. Consequently, you may be basing your after-school expectations on an upper-middle-class lifestyle. Here is my financial advice for those of you learning to live on your own.

Hedge Inflation Risk with Hard Assets
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One of the asset classes that we use to build diversified portfolios consists of hard asset stocks.

Portfolio Allocation: Risk-Return Mix
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Portfolio construction begins with the most basic allocation between investments that offer a greater chance of appreciation (stocks) and those that provide portfolio stability (bonds).

Be Choosey When Giving to Charity
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When you give to charity, you make an investment. By doing a little homework, you can be sure your gift makes the best possible return on investment. While giving is its own reward, giving wisely seems to double that reward.

IPS: Build Your Financial Dream Home with a Good Blueprint
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Without a financial plan, your investments are controlling your dreams, not the other way around. You need a blueprint for your financial dreams to come true. That blueprint in sound financial planning is called an Investment Policy Statement (IPS).

Financial Planning Begins with Spiritual Values
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Financial planning is the process of aligning your financial choices with your life passions. Values transcend the cash and the numbers.

How to Double Your Retirement
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Every six years you delay saving and investing you cut in half the lifestyle you will have in retirement.

Medicare Part D deserves an F
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Poor families with children will subsidize millionaire seniors.

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

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

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