Coupon Bug: A Financial Planner Analyzes His Wife’s Habit

As food and gas prices rise, store packaging contains lesser product than before, and television shows like “Extreme Couponing” on TLC pop up, many families have jumped on the coupon-clipping bandwagon.  My own wife became interested in clipping coupons and following associated blogs/deal websites several months ago.  We were thrilled with the savings (and still [...]

June 13th, 2011|

Market Commentary: Week Ending 6/3/2011

 Buckle up folks – this is going to be a topsy-turvy summer, as evidenced by all of the government statistics that were released this past week.  Readers of my market commentaries know I have been very suspicious of the markets and their current valuations.  At this point, the markets are a minefield if you aren’t quite sure how to navigate them related to the risk you’re willing to take on.  […]

June 3rd, 2011|

Market Commentary: Week Ending 5/27/2011

We had another wild ride this past week that ended with low market participation going into a 3-day weekend in the US.  The economic data that was reported during the week was unimpressive to say the least.  Manufacturing has been one of the stronger points of the US economy to date; however, there are new [...]

May 27th, 2011|

Market Commentary: Week Ending 5/20/2011

The markets had a very volatile week.  Between now and the end of summer, we are likely to see many more weeks like this.  This past week had some pretty troubling news that could be initial evidence of the economy slowing.  For example, Japan’s economy has taken a nosedive and is likely back in a [...]

May 20th, 2011|

Market Commentary: Week Ending 5/13/2011

Total Returns % 1 Week YTD Dow Jones Industrial Average -0.34% +8.80% NASDAQ Composite +0.03% +6.62% S&P 500 Index -0.18% +6.37% Russell 2000 +0.28% +6.64% U.S. Aggregate Bond Index +0.12% +0.98% MSCI All Country World -1.24% +3.91% Source: Yahoo! Finance.  Data through 5-13-11 The markets as a whole were relatively flat last week.  In terms [...]

May 15th, 2011|

The Emotional Investor

I like to keep in-mind the beginning of Rudyard Kipling’s famous poem ‘If’ as I lead investors through weeks like last week:  “If you can keep your head when all about you are losing theirs and blaming it on you, if you can trust yourself when all men doubt you, but make allowance for their [...]

May 11th, 2011|

Market Commentary: Week Ending 5/6/2011

Total Returns % 1 Week YTD Dow Jones Industrial Average -1.34% +9.17% NASDAQ Composite -1.60% +6.58% S&P 500 Index -1.72% +6.56% Russell 2000 -3.69% +6.34% U.S. Aggregate Bond Index +0.19% +0.86% MSCI All Country World -2.84% +5.21% Source: Yahoo! Finance.  Data through 5-6-11 Global markets were rocked last week with large sell-offs in oil and [...]

May 9th, 2011|

Market Commentary: Week Ending 4/15/2011

Total Returns % dollar payday loan 1 Week YTD Dow Jones Industrial Average -0.31% +6.60% NASDAQ Composite -0.57% +4.21% S&P 500 Index -0.64% +4.93% Russell 2000 -0.70% +6.55% U.S. Aggregate Bond Index +0.85% -0.28% MSCI All Country World -0.98% +3.76% Source: Yahoo! Finance.  Data through 4-15-11 The markets took another hit this past week as [...]

April 18th, 2011|

Think A Cash Value Life Insurance Policy Is A Good Idea? Think Again.

Many times after I complete an insurance analysis for a client and it’s time for them to purchase a policy, they will ask me, “Can we just buy the policy from you?”  The answer is always, “Sorry, no.”  I could go out and get my insurance license to sell insurance products, but then I wouldn’t [...]

April 5th, 2011|

1st Quarter Investment Review – The Dangers of Bond Investing in 2011

The 1st Quarter in 2011 saw many of the markets continue their upward momentum from 2010.  Below are the returns for some of the popular indices as of 3/31/11: Total Returns % 1Q Dow Jones Industrial Average +6.41% NASDAQ Composite +4.83% S&P 500 Index +5.42% Russell 2000 +7.64% U.S. Aggregate Bond Index -0.59% MSCI All [...]

April 4th, 2011|