• In my last post, Understanding Risk, the four tactics on to how to deal with risk, include:  reduction, retention, avoidance, and transfer.  To follow the correct path, one needs to pay attention to the likelihood of a result and the associated cost.  Today, we examine risk characteristics to gain a deeper understanding of how it applies […]

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  • This weekend my family took a wonderful trip to a state park.  We hiked, laughed and played games while enjoying our time with each other.  Later, as we tried winding down, my two-year-old found her second wind and discovered the joys of jumping on the bed.  Soon, the nursery rhyme Monkeys Jumping on the Bed […]

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  • Last Friday, The Chronicle of Higher Education website published an articleabout Mitch Daniel’s plan to change the way students may take out college loans (1.) Over the weekend, I became restless thinking about the merits if his proposal, so I thought a deeper review was in order. A quick Google search leads to this article in the […]

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  • Investors have many concerns, but most focus on one of the following four items: Fees and expenses, returns, explosive nature of the markets, and taxes. All four are important but personal bias remains strong for pointing out one focus.   What are these four concerns and how can you help lessen your bias? Fees Do you […]

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  • As we slide into the last two weeks of the year, many people begin their tax planning. This often includes setting goals for the new year.  The end of 2015 brings with it changes to college funding that are substantially different from previous years.  President Obama recently announced changes for the Free Application for Federal […]

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  • As Congress was pushing up against their deadline working to “fix” the budget issue last year (as they had before), a great planning opportunity arose for many people and institutions. Specifically, by making the charitable donation of your required minimum distribution (RMD) permanent, charities may receive funds earlier versus passing the assets to the institution by means of an estate.  The […]

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