Foreign Freedom Investing 2006
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On average, international stocks appreciate more than US stocks, and stocks in countries with the most economic freedom appreciate more than the international average.

Socially Responsible Investing
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Delegating your morality to a fund’s screening process is like using a blunt instrument to do brain surgery.

Avoid Capital Gains Tax on the Sale of Your Home
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Consider moving your official place of residence to your vacation house, live in it 760 days out of five years, and then take the exclusion.

The United States – Land Of The Free
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“A wise and frugal government shall not take from the mouth of labor the bread it has earned.” – Jefferson

O Canada, The True North Strong and Free!
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Canada is the one major country that is not included in the EAFE (Europe, Australia, and Far East) foreign index. Not only are they good neighbors but a good investment.

Health Savings Accounts
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One out of every ten patients consume 69 percent of health care costs. The other nine would benefit from an HSA.

Seven Financial Rules For Marital Bliss
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An overwhelming number of failed marriages cite financial troubles as a major factor in their breakup.

Outlook May 2006
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Rebalancing means selling what has done well and buying what has done poorly, not visa versa.

Community College Can Provide the Best Education
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Community college for the first two years is the best deal to avoid the mountains of student debt and still graduate from a top-rate school.

Tax Freedom Day Arrives on April 26th, 2006
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Due to our progressive tax system, your taxes increase even if your buying power does not.

Donald Mortlock – Making a Free Market
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My grandfather Donald Mortlock worked on Wall Street during and after the 1929 crash. The firm he worked for was a “market maker,” a company which helped to literally “make a market” in several stocks.

Florence Mortlock – Dignity is a Happy Ending
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The life of my grandmother Florence Mortlock provided me with many life lessons on finance and financial planning.

VRS: A Bird in Hand or Two in the Bush?
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Many people in this situation would choose the quick cash.

Eighty – Twenty Rule of Asset Allocation
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Investors are quick to forget that the markets also go down.

The French Kiss Of Death
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French labor laws have made doing business in France with French employees very unattractive.

How Your Children Can Win the Stock Market Game
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To meet your goals you don’t need to beat the investment returns of everyone else. Instead, you want a decent return in order to retire comfortably and to ensure a cash flow which will support your standard of living.

The Guillotine Of French Economic Freedom
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Although the French gave us the word ‘entrepreneur,’ it’s a wonder the term isn’t obsolete in French.

Compute Your Net Worth Once A Year – 2006
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Between 40 and 60 you should increase your net worth by half your annual take home pay every year.

2005 In Review
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2005 was a year which showed the weakness of limiting your asset allocation to US stocks and US bonds.

Eight Steps to Fix Your Broken Credit
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Do whatever it takes. Ask your mother-in-law to hold your credit cards while you are getting out of debt.

Creating A Ladder for Retirement Income
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Like the iron rods in sailing ships, bonds keep your portfolio upright in stormy weather.

Sifting Through Your Own Credit Dirt
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Credit bureaus charge to see your credit score. Save your money.

Learn What Credit Stalkers Know About You
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Beware of bogus credit companies claiming to offer free credit reports in order to gather your personal information.

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.

Timing the Market Isn’t All Fun and Games
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Market timing is the attempt to switch a significant portion of your assets between different types of investments in an effort to maximize profits. If this is your investment strategy, good luck, because you’ll need it.

Why is Bob Cratchit So Poor?
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At first glance, this story fills us with pity for the Cratchit family, always struggling to make ends meet. But is that the true story?

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

Seniors Face Six Month Deadline For Drug Coverage
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Even if you don’t need coverage you can avoid future penalties for as little as $1.87 per month.

Tackling College Costs at the Eleventh Hour
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Don’t borrow or withdraw money from your IRA.

Prepaid Tuition Programs May Be Fool’s Gold
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Prepaid programs are not safe. They just assume a different type of risk.

529 Plans: What’s Important?
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If you are one of the 92% with children under the age of 18 who haven’t started a 529 plan, we encourage you to meet with a fee-only financial advisor soon. You can never start too early, and it’s never too late to do something.

Joshua and the Wall of College Savings
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In the past three years Joshua’s account has grown a whopping 76.6% averaging 22.5% per year.

Start College Savings the Day They Are Born
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If you are not saving for college you are falling behind.

A College Degree is Worth a Million Bucks
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Education matters. He who doesn’t teach his son a trade teaches him to steal.

What Your Advisor Doesn’t Want You to Ask
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Probably the most important question you can ask of anyone offering you financial advice is, “Do you have a legal obligation to act in my best interests?”

Build with Bricks, not Straw or Sticks
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There are many things riskier than volatility.

Germany: Worst Economic Weakness May Be Over
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Reunification of the country has put a drag on economic growth.

Salzburg: Seasoned With White Gold
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The value of salt in ancient time was enormous.

Austria And The Road Back From Serfdom
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Hayek wrote, “More harm and misery have been caused by men determined to use coercion to stamp out a moral evil than by men intent on doing evil.”

Italian Mafia Coming to America Soon
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Italy reminds us that governmental solutions can be worse than private sector problems.

Italian Communists And Beautiful Girls
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Hard work can’t always overcome Italian bureaucracy.

Country Specific Investing Pays Dividends
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During 2002-2004, iShares of the ten economically freest countries outperformed the index by 5.43% each year.

Hedge Funds Aren’t Worth The Risk Part 5 – What Hedge Funds Do Right
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You can smooth your returns without any of hedge fund’s drawbacks.

Hedge Funds Aren’t Worth The Risk Part 4 – High Fees and Poor Regulatory Control
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Wanting to avoid regulations, Hedge funds appeal to investor’s snobbery to make it seem like a privilege.

Hedge Funds Aren’t Worth The Risk Part 3 – Poor Compensation Structure
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You take all the risk, but the manager gets twenty percent of any winnings. This is not a good compensation scheme.

Hedge Funds Aren’t Worth The Risk Part 2 – Poor Performance
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Hedge claims are equivalent to “All of the coins I want to tell you about came up heads.”

Hedge Funds Aren’t Worth The Risk Part 1 – What Are Hedge Funds?
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As Hedge funds grow in popularity, beware of following the lemmings.

Rocks and Sand – Keeping Expense Ratios Low
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Good portfolios have low expense ratios and minimal trading costs.

Ruling Allows Broker Conflict of Interest
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Currently, stockbrokers can offer the same services as Fee-Only financial planners without being accountable to the same fiduciary standards. This exemption to the Investment Advisers Act of 1940 has been called the “Merrill Lynch rule.”

Fifty+ Retirement Investing – Part 3
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We are gradually becoming our grandparents.

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