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Timing Isn't Everything

“Timing markets is the dream of everybody. Suppose I could verify that I’m a .700 hitter in calling market turns. That’s pretty good; you’d hire me right away. But to be a good market timer, you’ve got to do it twice. What if the chances of me getting it right were independent each time? They’re not. But if they were, that’s 0.7 times 0.7. That’s less than 50-50. So, market timing is horribly difficult to do.” - Professor Robert Merton

Investing Planning

The Emotional Effects of Debt

If you’ve been fighting debt, you’re not alone. The average American has $15,950 in credit card debt, and 39% of Americans carry a balance from month to month. Debt can cause many emotional and psychological effects so it’s important to implement steps to overcome the emotional effects of debt.

Behavioral Planning

Market Review - Q2 2019

A fundamental characteristic of financial planning is that it is more of a long-term process than a singular event. While we can quantify where we are presently and what we'd like to achieve in the future, the actual journey from point "A" to point "B" will involve variables, such as inflation and portfolio returns, that we can only make estimates or assumptions about today. Fortunately, we have plenty of data on which to base those estimates. However, our short-term investing experiences most often don't align exactly with our long-term estimates, which can make "staying the course" difficult, particularly during times of increased market volatility.


5 Tax Tips for Freelancers and the Self-Employed

Are you a freelancer or self-employed? If yes, then you already have much to manage when it comes to your books, but adding taxes into the mix further complicates matters. Use these tips as a starting point to evaluate deductions and determine if you can file on your own or should seek help from a professional.

Taxes Planning