Category: Financial Planning

Now Women, That’s A Whole ‘Nuther Thang!

Now women, that’s a whole ‘nuther thang! — Keb’ Mo’ Keb’ Mo’ is a blues singer, a Grammy Award winning blues singer. Like most blues singers he writes songs that are unpretentious, down to earth. Songs like the one named above. Question: Very interesting, Carl, but what does that have to do with my financial plan? Answer: It might have… Read more →

The 2009 Bull Market Continues!

The 2009 Bull Market Continues! In early 2009, following the 2008 global credit crisis the US stock market began an upward movement which has continued without significant interruption. (See graphic below.) Of course, one question that is on the minds of many investors now is, “Can this continue?” I can answer that question. The answer is, “Yes, it can. But… Read more →

Our investors have done well!

Our investors continue to gain on inflation! During the third quarter of 2017 our investors’ portfolios, in the aggregate have increased in value by 4.12%. The average annualized return for our investors during the past 5 years has been +5.31%. The precise rate of inflation during the past 5 years is not yet known, but a good estimate would be about… Read more →

An Excellent Last 12 Months for Investors

The past 12 months ending February 13, 2017 have been particularly good for our investors, the aggregate return being +17.34%. The calculation used to determine our clients’ aggregate return is called the internal rate of return. It is cash flow specific, and is net of all fees and expenses. It represents the average return experienced by our investors during the period. Shown… Read more →

Quick Note February 2, 2017 – Schwab Trading Costs, IRS Resources.

Schwab reduces trading costs. Many of the core holdings that we employ for the benefit of our clients are traded without commissions. However, some of the holdings that we prefer can only be traded with commissions. Schwab has now reduced their commission rate on these trades. Going forward our clients who choose electronic document delivery will pay just $6.95 to… Read more →