Why I Bonds May Be the Most Underappreciated Savings Vehicle

Your end of year to-do list is already overflowing.  You have to prepare and send holiday cards, put up lights, get the holiday-themed lawn ornaments up, make cookies for neighbors, prepare the guest bedroom for family, hide the elf, buy gifts, wrap gifts, mail gifts, and possibly then tackle any or all of the items [...]

Three Myths of Bonds

The two most important reasons to own high quality bonds in a portfolio are to provide diversification and to provide capital preservation.  A catchy opening line, if there ever was one.  Several big finance words (like diversification and preservation), an unexciting topic (bonds), and a subjective statement that may not seem to have actionable implications [...]

Make Informed Vehicle Purchase Decisions

In 1996, Thomas Stanley and William Danko co-wrote The Millionaire Next Door – an examination of millionaires in America and the common qualities that continuously appear among this demographic.  They spent nearly 20 years interviewing Americans with a net worth of at least $1 million and compared the behavior of what they termed “UAWs” (Under [...]

3 Suggestions for Purchasing 2019 Private Health Insurance

An estimated 20 million Americans do not have access to Medicare, Medicaid, or employer provided insurance and will be left to purchase their own health insurance in 2019.  If you’re among that 20 million, the news is relatively good.  In most states, premiums next year will be relatively flat (or even down in some states), [...]