Managing your financial life is not just about money.

Archives for Financial Education

Investing 101 – Pt.13 Stuff You Need to Know

This is the 13th article in a series that will discuss and explain basic investment concepts in hopefully an understandable and meaningful way. Whether you work with an investment advisor or choose to do your own investing, there are some things you need to know to be successful. Here is my take on what those things are. You need an investment pie! Well, the official phrase is “a proper asset allocation”. There is a pretty good chance your retirement plan at work has some very colorful investment pies available. There are probably four or five of them, and these pies
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Investing 101 – Pt.10 Stuff You Need to Know

This is the tenth article in a series that will discuss and explain basic investment concepts in hopefully an understandable and meaningful way. Whether you work with an investment advisor or choose to do your own investing, there are some things you need to know to be successful. Here is my take on what those they are. In my last column, I bravely suggested that bondholders will find it very difficult to earn any real money (what you get to keep after you pay taxes and inflation on your earnings) for quite a while to come. I also stated that
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Investing 101 – Pt.09 Stuff You Need to Know

This is the ninth article in a series that will discuss and explain basic investment concepts in hopefully an understandable and meaningful way.  Whether you work with an investment advisor or choose to do your own investing, there are some things you need to know to be successful.  Here is my take on what those things are. You need to own some bonds in your portfolio, but probably not as many as you think.  Actually, I don’t think you should own any bonds in your portfolio until you are at least 45 years old.  The reason for owning bonds in
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Investing 101 – Pt.08 Stuff You Need to Know

This is the eighth article in a series that will discuss and explain basic investment concepts in hopefully an understandable and meaningful way.  Whether you work with an investment advisor or choose to do your own investing, there are some there are things you need to know to be successful.  Here is my take on what those things are. What is the big picture?  What is behind the long term upward movement of the stock markets of the world?  Let’s start with a question. Would you rather have been born on your birthday, or 500 years before that date?  The
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Investing 101 – Pt.07 Stuff You Need to Know

This is the seventh article in a series that will discuss and explain basic investment concepts in hopefully an understandable and meaningful way.  Whether you work with an investment advisor or choose to do your own investing, there are some things you need to know to be successful.  Here is my take on what those things are.
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Investing 101 – Pt.06 Stuff You Need to Know

This is the sixth article in a series that will discuss and explain basic investment concepts in hopefully an understandable and meaningful way.  Whether you work with an investment advisor or choose to do your own investing, there are some there are things you need to know to be successful.  Here is my take on what those things are. Emotions will cost you some money, and maybe lots! The investment firm Black Rock, whom I believe is the world’s largest money manager, has a chart called “Investing and Emotions – The Ups and Downs of the Market.” It is one
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Love, Marriage and Money

This piece is in honor of Valentine’s Day.  It is meant for people in love who are married or live together and who have a shared or partially shared financial situation.  Finances can be a strain on a relationship.  The goal of this article is to provide some suggestions that may help lessen or eliminate any financial friction points that may exist in a relationship. What follows is a brief, but hopefully comprehensive list of the areas of finance that exist for all of us.  These are the things you have to worry about.  I will attempt to describe “financial
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Affordable Care Act Open Enrollment

Affordable Care Act Open Enrollment Began November 1st Know anyone that doesn’t have access to health insurance through their employer or the federal government via Medicare, Medicaid, etc.?  The open enrollment period for health insurance plans purchased on healthcare exchanges set up by the Affordable Care Act (commonly referred to as Obamacare) began on November 1, 2017.  The enrollment period will run through December 15, 2017 in all states, and longer in a small number of others. For our local clients, here is a list of the surrounding the states that are exceptions to the December 15th deadline: Massachusetts: January
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Elder Abuse

As many of our clients age into their golden years, we remain committed to providing them the best service and financial guidance possible. Sometimes that takes on a new meaning if we have concerns about cognitive abilities and/or someone being taken advantage of by a friend, family member, or other trusted advisor. Financial exploitation of elders is unfortunately a real issue in our society, and one that could easily fly under the radar if people aren’t paying attention.  We will be paying attention. With the help of our friends at Old Colony Elder Services, we have recently begun establishing some
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Smart With Money Financial Fair – Winter Recap!

Imagine if you had a day to “try out” all the financial decisions a young adult would need to make…Would you make the right choices? Here's a quick recap of our 3rd Smart With Money Finance Fair put on for the Marshfield High School students December 17th.
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