How Should I Pay?

In financial planning, a common question goes something like this. . .
  • I’m thinking of remodeling my bathroom
  • We need to have the driveway replaced
  • She’ll need a new car by the end of the year
. . . how should I pay for that? Of course, in its simplest form, the answer is always the same. With money. From there, things get slightly more complex.  Is it better to use cash on hand, pull from the investment portfolio or borrow at low interest rates?  Are there tax considerations?  Maybe it’s a blended approach of… [read more]
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Time to Make a Difference

“How you spend your money is how you vote on what exists in the world.” – Vicki Robin If I asked you what you can do to make things better at a global level, what would you say?  A few obvious things come to mind: vote, protest, donate, serve, volunteer.  I would venture to say most of us do some of these things but are still left with a desire to do more.  As we watch our leaders struggle to get things done, we wonder how we can make a difference.  It was this feeling… [read more]
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When Boring is a Good Thing

Our American society celebrates, appreciates and rewards the bold and visibly successful. President Trump rose from real estate developer’s son to reality television star to President, in no small part due to his outspoken personality and flamboyant lifestyle that flies in the face of the boring politician stereotype.  Richard Branson, founder of Virgin Atlantic airlines, and Mark Cuban, investor and owner of the Dallas Mavericks, are frequently in the news because the media knows their exuberant personalities and visible wealth appeal to many people. We don’t like settling for average, another word for… [read more]
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