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THE Wealthier + Wiser Blog

Financial unrest – don’t throw away your plan

Before writing this article, I searched financial unrest to see what was written on this topic and nothing even closely related to this serious financial condition came up. It seems that somehow no one talks about this and it is one of the most dangerous financial times any of us will ever experience. There are …

What matters in investing: returns you can eat – enjoyably

Steak? Salad? Low fat? Low carb? Everyone has their own dietary preferences and beliefs. They enjoy what they enjoy and believe what they believe (no matter how wrong some of them may be!) Investors also have individual preferences. Gamblers love the thrill of investing. They do not enjoy a disciplined, programmatic investment strategy. They might like the results, i.e. …

Prime Now test – ready for grocery delivery?

Amazon purchased Whole Foods for $13.7 billion in 2017. Since the purchase, changes at Whole Foods have reshaped the shopping experience once enjoyed by many at this largely organic, high-quality grocery store chain. Price cuts in the range of 50% on commonly purchased items like avocados, eggs, fish and fruit echo loudly as the competition …

Inflation and earning power

Quite often, many people get motivated to plan for retirement too late. They walk into our office a few years before retirement as the first real deep dive towards figuring out how they can retire. Those who are engineers come in with homemade spreadsheets to project their financial future. Successful salespeople stroll in spinning stories …

What matters in investing: returns you can eat

When you’re hungry, the only thing you really care about is what you can eat. Investing is like eating in that there is only one thing to care about – “returns you can eat.” Let me explain. You may have heard of this quote from Robert Kiyosaki, “it is not what you make, it is …

Real estate investing for income

It’s not uncommon for clients at or near retirement to own several pieces of either commercial or residential real estate that are being rented out for income to help create a nice return for their total investment portfolios. The question is – what is right and best to create income – especially at or near …

2018 2nd Quarter market outlook

The first quarter of 2018 has not disappointed with new market volatility, economic surprises and data for us to pour over. If you look back at the numbers over the first three months of the year, you’ll see the sharp reversion from what 2017 provided. Last year, virtually every area of the market seemed to …

Real estate investing for income

Books like “Rich Dad Poor Dad,” and many others, sing the virtues of owning real estate and building a portfolio of income producing investments. It’s not uncommon for clients at or near retirement to own several pieces of either commercial or residential real estate that are being rented out for income to help create a …

Money rules of thumb

Financial planning rules of thumb are extremely helpful because they create an easy way for you to remember difficult financial concepts. However, what we typically find is they’re often misunderstood, misinterpreted or misused. So, we’re going to break down some important financial rules of thumb and talk about the best way to interpret them so …

2018 economic outlook

2017 marked another great year of performance for the stock market. Investors started to pile in from all walks of life and for the first time in many years, the stock market seems to be on the lips of everyone from conversations at your barber shop to your Uber ride. As soon as people find …