The Astute Angle

A fresh and simplified perspective on personal finance topics

Pregnancy and Voluntary Short-Term Disability Insurance

Everyday investors tend to speculate on stocks based on the often ill-conceived notion that they have unique information or better information than the rest of the investment world.  This perception of ‘asymmetric information’ is often [...]

The Dow is a Bad Accident of History

I was a recent college graduate and there I was on the trading desk of a large institutional investment manager, entrusted with a role well beyond the pay grade of a newly minted liberal arts [...]

Take Advantage of a Year-End Tax Opportunity with a Donor Advised Fund

This time of year is referred to as the ‘season of giving’.  Charities report that 31% of all charitable donations happen in December each year and that 12% of donations occur on the final three [...]

Dismissing High Deductible HSA Plans Is a Costly Mistake

This time of year means open enrollment season and that means battling a consistent bevy of confusing acronyms: FSA, HSA, HRA, PPO, HMO, POS, and on.  Reorienting every year to the different meanings, rules, and [...]

5 Medicare Open Enrollment Mistakes to Avoid

Records show that organ donation elections vary dramatically from country to country.  Even bordering countries with similar cultures have huge differences in the percentage of citizens who participate in organ donation programs.  Consider two countries that [...]

Luck and Skill in Baseball and Investing

The following is our quarterly investment letter that was recently sent to clients. 75 years ago this month, a thrilling World Series concluded what many baseball historians decidedly describe as the best baseball season ever.  That [...]