AutoZone tranche math

How to Turn an Upside-Down Investment Positive

It’s a good feeling when you’ve found a wonderful company to invest in, and when you’ve done the research needed to decide you want to buy it. It’s an even better feeling when your margin of safety price hits, and it’s time to pull the trigger on your investment. When that time comes, how much do you buy? 1 share? 1% of your account? 4% of your account? 20%? Do […]

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Corporate debt to GDP

The Trump Market

We’ve been talking a lot between the two of us over the last week about what a Donald Trump win means for us, the economy, and the financial markets. Let’s state the obvious—we didn’t see this win coming. Not too many did, and we wouldn’t have forecast this short-term reaction we’re seeing from the stock and precious metal markets in the event of a Trump win. Citizens of the U.S., […]

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Using the EV/EBITDA Ratio in a Stock Analysis

The market has continued to deliver non-stop action as we wrap up the second month of 2016. The number of triple digit gains/losses for the Dow Jones average, increase in overall volatility, and almost daily large swings in individual stocks has provided opportunity and excitement for a lot of us. 35% gains in KORS, 25% gains in DECK, 12% gains in LOPE, and multiple gains in oil stocks have already […]

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budget budgeting words

Finding the Fun In Budgeting

Budgeting is the most important step in designing any financial plan or financial blueprint. In working with our clients, this is one of the first steps we discuss, because it’s so vital to your success. I know—budgeting doesn’t sound like fun at first, but give this a thought… What if you could find an extra $100/month to save and cut out of your current budget? This is by doing things […]

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new year routine

The Essential New Year Routine

As we wrap up the calendar year, I always like to take some time to reflect on what kind of a year it’s been. What were my biggest accomplishments? What am I most proud of that happened this year? Which areas did I fall short? What would have made the year better? Did my financial picture get stronger? Did I make every effort to strengthen my relationships? Did I strengthen […]

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success mountain

How Do You Define Success?

Success—“Favorable or desired outcome; the attainment of wealth, favor, or eminence” –Merriam-Webster Dictionary Let’s try a little exercise. Develop a powerful image of yourself being successful right now and imagine what it feels like. Think very specifically and clearly, with emotion, feeling, and passion. Where are you living? What type of work are you doing? Who are you spending your time with? What are you thinking about? How are you […]

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value vs. price

Price vs. Value

How do we compare the price vs. value of an asset? When buying a car, do you always pay the retail “sticker price” that is quoted? Or do you look online to see what the real value of the car is—what people are actually paying to take that car off the lot? The reality is, almost nobody is paying the full “sticker price” vs. the value of a brand new […]

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How much do i need to retire

How Much Do I Need to Retire?

Probably the most common financial question we get from our clients is, “How much do I need to retire?” This is a real worry for most of us as we start approaching our retirement years. Of course, it will be less of a worry the sooner we fully confront this question and start developing a plan to be ready when the time comes. Although there are many steps involved in […]

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Savings bank

Top Three Financial Worries

Many people spend far too much time worrying about their financial affairs. If these worries leave you restless during the night or keep you from enjoying your time with family and friends, then you need to confront them head-on. Rather than spending the time worrying about them, wouldn’t you rather address them, deal with them, and begin to take the necessary steps to tackling these problems that take up your […]

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Nest Egg Shell Game

Nest Egg Shell Game

Every year at tax time, I am asked by friends, family and clients where they should go to get financial advice. It seems very few of them are really happy with their current situation. Some of them complain of brokers or planners who aren’t available for them—who don’t really seem to be able to help them. Others say their financial advisors talk down to them or just talk beyond their […]

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