Health Care Reform – What Does it Mean to You?

On March 21st, change arrived in the form of the Patient Protection Act, as amended by the Health Care & Education Reconciliation Act of 2010. Health care reform has stirred anger, fear and relief, depending on what newspaper you read or whom you are talking to. There are so many initiatives in the 2,409 pages of the Act that it is impossible to cover them all here. However, after reading the Act as well as web sites, blogs, tax briefings and newspapers, I have attempted to sort out the issues that will impact you the… [read more]
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The Fiduciary Standard – A Call for Clarity

If you read nothing else in this week’s blog, promise me you and every one you discuss this with will, when it’s time to seek financial planning and investment advice, make sure the person you choose to work with is held to a fiduciary standard. If you’re busy this week and need to move on, you’re free to go. With all the talk about health-care reform, March Madness, Tiger and the other stories of the day, an issue quietly gliding under the radar is the pending financial services reform making its way through Congress. I… [read more]
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Are You Compelled to Make Bad Investing Decisions?

(From Dan Solin’s blog, Huffington Post, March 9, 2010) Here’s a question I have always found vexing: Why do so many intelligent people act so irrationally with their investments? It turns out that we may be programmed to do so. According to an article in the Wall Street Journal, an MRI of the brains of investors chasing stock returns is the same as those anticipating a chocolate truffle, sex or (for drug addicts) cocaine! Researchers in neuroeconomics have found that our brains are programmed to look for patterns. When we find one (or even the… [read more]
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What is Your Credit Grade?

With all of the changes going on in the credit markets, your credit score is more important than ever. Your score does not just affect your application for a mortgage or car loan, but can also be in a factor for things like your cell phone service and auto and homeowner insurance premiums. We have been encouraging our clients to check their scores at least annually through www.annualcreditreport.com. This site will give you access each year to a free credit report through the three nationwide consumer credit reporting companies – Experian, TransUnion, and Equifax.… [read more]
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Time and Technology

On Wednesday morning, February 24th at 12:35am, I became a grandmother. Ezra Matthew was born after 16 hours of labor and some tense moments due to his position and reluctance to leave such a safe, secure place. Millions of children are born every day, and many have written about the life changing effect it has on them far more poetically than I ever could, so I will leave that to them. Instead, I want to share how much information technology has both improved and intruded on such an important life experience. When Ezra’s mother was… [read more]
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