The Value of Emphasizing Value Stocks
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Overweighting investments with average higher return and lower risk is a win-win situation.

Social Security Is Hopelessly Broken
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The wealth gap between blacks and whites widens each generation as a direct result of Social Security.

How to Get Free-Only Financial Advice
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NAPFA members give away a great deal of valuable advice.

Exchange Traded Funds
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ETFs combine tax efficiency with low expenses.

We Could be in a Real Estate Bubble
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The value of any asset category does not go in one direction forever. The housing prices boom shows signs of weakness, and that they may correct or at least under perform for the next few years.

Choose the Appropriate Investment Vehicle – Part 3
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There is an art to selecting the right investment vehicles for individual portfolios.

Choose the Appropriate Investment Vehicle – Part 2
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Keeping expenses low helps keep your return high.

Choose the Appropriate Investment Vehicle – Part 1
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A good investment advisor will tailor the investments to the specific characteristics of the investor’s situation.

Using S&P 500 Index Funds Contains Hidden Risks
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If the S&P were a financial advisor it would say, “Let’s buy mostly large cap growth stocks in the industry that did well last year with a high price per earnings ratio.”

The Benefits Of Canadian Drugs Are A Pack Of Lies
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If Canada paid their fair share for pharmaceuticals prices would fall.

Estate Planning For A Family Business Balances Three Roles
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Only 34% of family businesses successfully pass to the second generation and only 13% make it to the third generation.

The Growing Federal Deficit is Bush’s Fault
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In the corporate world, mismanagement can only be covered up so long. In time, those responsible are held accountable. Companies fold. Executives are taken away in handcuffs. Only in the federal government can poorly manage bad ideas and still plead they are underfunded.

Taxes Matter 5 – The Economics And Mindset Of The Rich
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Encourage the rich to be rich or else suffer the consequences of striving toward making us all equally destitute.

Taxes Matter 4 – Private Charity vs. Government Entitlement Programs
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Voting for government entitlement programs is like being generous with your neighbor’s credit card.

Op Ed: High Oil Prices are Good
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Let the free market work its magic. Markets are brilliant in their ability to determine the optimal value and use of limited resources.

Taxes Matter 3 – Taxes Reduce The Opportunities For Economy Efficiencies
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If a Democrat proposed a flat tax, they would take away the Republican’s major platform and be easily elected.

Taxes Matter 2 – The Democratic Party Has Changed
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We would be wiser and stronger to take the advice of Thomas Jefferson, the second Governor of Virginia who said, “A wise and frugal Government, shall not take from the mouth of labor the bread it has earned. This is the sum of good government.”

Taxes Matter 1 – The Laffer Curve
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Many people wish to prevent the rich from earning more money, even if that results in smaller tax revenues and a less productive economy.

Immediate Fixed Annuities Part 3 – Additional Questions
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Lottery tickets are also a good deal, if you win – otherwise it is just a tax on people who can’t do math.

Immediate Fixed Annuities Part 2 – Immediate Fixed Annuities – The Hidden Risks
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Because you can’t change your mind, and you can’t spend your money ahead of time, the best use of an immediate fixed annuity is to protect you from yourself. Call me wild and crazy, but this is not the risk I am worried about.

Immediate Fixed Annuities Part 1 – Immediate Fixed Annuities Aren’t Really “Fixed”
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The returns offered by immediate fixed annuities aren’t as good as they sound. The slight of hand in this case is the immediate loss of 100% of your principal. They are “fixed” for you to lose and the insurance company to win.

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.

Speed Is Not Critical When Investing
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I will give you the forecast for the next TEN years in the US Markets: Up, Down, Up, Up, Down, Up, Down, Up, Up, Up. These predictions are not in chronological order.

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.

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