September 27, 2016

Three Strategies to Avoid Private Mortgage Insurance

trooper biking

Avoiding PMI, if possible, is better for your long term finances. Here are three strategies to avoid PMI.

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What is Private Mortgage Insurance?

storm trooper race

PMI does not provide you, the borrower, any protection.

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Wealth Management Is In Your Control

latte

Many feel helpless to direct their own success, but nothing could be further from the truth.

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Recouping Losses Is Not As Hard As You Think

Deceptive Posts About The Difficulty Of Recouping Losses

Many advisors and most investors don’t really understand the math on how to compute investment returns.

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Changing Your Financial Behavior Is Difficult

Financial Behavior Modification Is A Difficult Process

Our minds are wired to quickly generalize on perceived trends and react to them.

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Narrowly Framed Questions Fail to Meet Life Goals

Narrowly Framed Questions Fail to Meet Life Goals

Purchasing investment products in isolation from the larger context of your specific situation is like pushing random buttons on a vending machine in order to provide a Thanksgiving dinner for your family.

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Radio: Nine Ways to Secure Your Finances

teal door and lock

Here are nine steps you should take to make it more difficult for criminals and identity thieves to steal your personal information.

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The Happy Habits of Appreciation and Gratitude

The Happy Habits of Appreciation and Gratitude

Life planning begins as thoughts and ultimately shapes our entire destiny.

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Investing 101: Things to Think About Before You Invest

lightbulb sunrise

With a little preparation, you can save and invest over your lifetime to meet your financial goals and dreams.

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One Powerful Method To Achieve Higher Investment Returns

One Powerful Method To Achieve Higher Investment Returns

Long-term investing does not require making quick emotional responses.

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You Want An Advisor Who Keeps You From “The Big Mistake”

You Want An Advisor Who Keeps You From "The Big Mistake"

Real financial advisors stand between you and the Big Mistake of buying high and selling low.

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Write Down Your Investment Plan

Write Down Your Investment Plan

To protect yourself from behavioral errors, write down your investment plan.

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What To Do With That First Paycheck

plant in the rain

You probably know that you should spend less than you earn, but that is only part of the equation.

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How to Pay Off Student Loans While Building Wealth

How to Pay Off Student Loans While Building Wealth

While your student loans may be a daunting sum, it is still possible to build wealth even while paying off student debt.

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Inflation Illustrated

stamp pile

We tracked the price of a first class stamp over the last 130 years, noting the changes, to show the steady erosion in buying power during that time.

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A Year of Financially Healthy Habits

Perpetual Calendar

It is the season of spring cleaning, so here’s a calendar of ways to clean up your finances one step at a time.

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Dimensional On: Staying in the Market

Dimensional On: Why Should We Invest Internationally?

“It is always a difficult experience for investors to stay in markets.”

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Investing Mistake: Forgetting About Inflation

Investing Mistake: Forgetting About Inflation

Taking inflation into account changes nearly everything about financial planning.

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Six Creative Beneficiary Designation Ideas

Six Creative Beneficiary Designation Ideas

These are just some examples of the creative beneficiary designations, but the important part is to dream big about what your wishes are.

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Radio: Financial Planning for Buying a Home

Hobbit Hole

David John Marotta was interviewed on WINA’s “Real Estate Matters” show with Michael Guthrie, talking about how it is still a good time to buy a house.

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Investors Want Non-Correlated Assets Until They Experience Non-Correlation

Investors Want Non-Correlated Assets Until They Experience Non-Correlation

While many investors say they want a low-correlation portfolio, they don’t want to actually experience a low-correlation portfolio.

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Is There A Christmas Rally In the Markets?

Is There A Christmas Rally In the Markets?

While Santa Claus usually brings something positive for the markets, it isn’t enough to worry about jumping in and out of your investments.

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Don’t Mistake Volatility For Loss

Don't Mistake Volatility For Loss

“Nothing has provided greater risk control over the long term than equities, which are historically without principal risk over 30-year periods…”

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What Games Can’t Teach You About Investing

What Games Can't Teach You About Investing

Many people are first exposed to investing in grade school through a very simple game. Unfortunately, this game teaches all the wrong lessons.

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Mailbag: How Much Cash Should I Keep For An Emergency?

Mailbag: How Much Cash Should I Keep For An Emergency?

Being prepared is always a good idea, but so is knowing the costs associated with being prepared.

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Seven Reasons Your Retirement Might Fail

Seven Reasons Your Retirement Might Fail

“In 34 years as a financial advisor, he has seen many people flunk retirement, but investment performance has never been the cause.”

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Healthy And Wealthy Adds A Decade To Your Life Expectancy

Healthy And Wealthy Adds A Decade To Your Life Expectancy

The national average life expectancy is not a good measure for our clients’ life expectancy. That means planning beyond ages 82 and 85.

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Small Changes Have Large Effects Over Time

Swimmer- Breath

A swimmer takes one stroke at a time and yet makes great progress.

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How to Help Clients Cope With Scary Markets

How to Help Clients Cope With Scary Markets

Staying the course when an index investment is down is very uncomfortable in the short-term but usually the best course of action in the long run.

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How to Keep Your Identity Safe Online

How to Keep Your Identity Safe Online

Here are some rules for handling your digital security.

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Infographic: Is Grad School a Good Investment?

Infographic: Is Grad School a Good Investment?

An alternate look at the formula using the case study of Kate the Social worker who wants an MBA from Georgetown University.

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Financial Advisors’ New Patron Saint Just Cut From the Detroit Lions

Financial Advisors’ New Patron Saint Plays For the Detroit Lions

When Ryan Broyles scored a $3.6 million dollar contract after being drafted in the first round he did something quite rare – he sought as much advice as he could find.

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Is Graduate School a Good Investment? Here’s the Formula.

Is Graduate School a Good Investment? Here's the Formula.

Your future path is sure to take many unexpected twists and turns, but you should run the numbers. Your future self will thank you.

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How Can I Contribute to Two Roths?

Pineapple in Field

The terminology is a little confusing, but you are allowed to have and contribute to both individual retirement accounts and employment-related retirement accounts.

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Fund Your Roth IRA Even When You Can’t Afford It

Fund Your Roth IRA Even When You Can't Afford It

Sometimes, there isn’t enough to do it all. Even then, fund your Roth.

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Do The Opposite of Wall Street Consensus?

Do The Opposite of Wall Street Consensus?

Contrarian indicators have paid off historically.

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How to Save for Large Fast-Approaching Expenses

How to Save for Large Fast-Approaching Expenses

The average married couple has dreams of multiple children, annual vacations, and homeownership, but planning for these expenses can be challenging.

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The Behavior Gap: Finding Your Financial Balance

The Behavior Gap: Finding Your Financial Balance

Planning for your financial future is largely a question of dealing with the constant tension between living for today and saving for some future event.

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How to Get Out of Debt: Summary

Oasis in the Desert

This is a visual summary of the process of getting out of debt.

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Managerial Lessons from Game Mastering

Managerial Lessons from Game Mastering

Pen-and-paper roleplaying games have a lot of unique lessons to offer, particularly for policymakers and managers.

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How Quickly Should I Pay My Student Loans?

How Quickly Should I Pay My Student Loans?

For those who do not want to be investors, a fast-track repayment may be best. But for those willing to save and invest, there is a better option.

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How to Get Out of Debt: Rebuild

Bright Desert Mountains

You have laid a good foundation: you are out of debt (or out of bad debt) and you’re ready for a clean start. Commit to keeping your financial life that way.

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The Complete Guide to Automating Your Savings

The Complete Guide to Automating Your Savings

After automating your entire investment plan, you can save and invest without even having to watch.

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How to Get Out of Debt: Monitor and Adjust

Driftwood on the Beach

Real life rarely goes according to plan. Set aside time periodically to assess your progress.

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How to Get Out of Debt: Implement Your Plan

Group Trekking Through Sand

Now that you know where you are headed and the steps you want to take to get out of debt, it is time to take action!

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A Guide to Your W-4

A Guide to Your W-4

All new employees have to fill out form W-4, but despite its ubiquity, most people don’t understand it.

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How to Get Out of Debt: Make a Plan

Chairs in the Desert

To get out of debt, you need an emergency cushion, a budget, and a plan of attack.

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How to Get Out of Debt: Assess Your Situation

Desert Stormclouds

Make a list of all your debt and figure out where your money is going every month.

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The Crowd Is Usually Wrong

The Crowd Is Usually Wrong

Stocks less frequently traded have better returns.

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How to Get Out of Debt: Recognize the Problem

Sun Blasts Dunes

Most people are comfortable with having some debt (like a mortgage, for example). But how much is too much?

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