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2nd Opinion ServicesDecember 13, 2022CERTIFIED FINANCIAL PLANNER™, Education Planning, Education Planning, Estate Planning, Financial Planning, Interest Rates, Investment Planning, Investments, Legacy Goals, Retirement Planning, Tax Management, Tax Planning, TaxesWith all the complexity and volatility in today’s financial markets, many investors are unsure of... -
Social Security in SpotlightNovember 10, 2022Starting in January 2023 millions of retirees will see the largest cost of living increase... -
To Roth or Not to RothOctober 15, 2022By CASEY TINIUS / CFP® Should I pay taxes now, or wait and pay taxes when... -
Who Knew A Shoebox Could Enhance Your Long-Term Finances!?September 30, 2022The Shoebox Strategy is a method that can boost your HSA into overdrive and help... -
Extreme Concentration Is Great, Unless It’s In Your Investment PortfolioSeptember 16, 2022By CASEY TINIUS CFP® In many aspects of life extreme concentration is a good thing. Being... -
CFP® exam—the gold standard in financial planningAugust 22, 2022CERTIFIED FINANCIAL PLANNER™, Estate Planning, Financial Planning, Investment Planning, Retirement Planning, Tax PlanningBy RUDY EDELEN / CFP® Countless time of studying and coursework after working hours went... -
Homestead ExemptionDecember 9, 2020If you are nearing or have already reached age 65, how would you like to... -
The Election...Our Clients’ Most Common ConcernSeptember 1, 2020by BRENT MASON / CFP® CTFA The media and each of the candidates have done an... -
IRA or HSA—Which Should I Fund First?June 24, 2020Health Savings Accounts (HSAs) have only been around since 2003 but have rapidly been gaining... -
Quick Year-End Tax PointsDecember 21, 2019Lost in the noise of the impeachment hearings—the Secure Act (Setting Every Community Up for... -
2020 Retirement Plan ContributionsNovember 11, 2019It’s that time of year again! No, not time to get your Christmas decorations out... -
Tax Season...Limited Breaks Going ForwardFebruary 6, 2019You are receiving your W2s and 1099s as the first filing season under the new... -
Estate Planning SimplifiedJune 15, 2018Only 4 in 10 American adults have a will according to AARP, and a report... -
“GRAY” DIVORCEJanuary 24, 20187 Steps to Being Prepared to Be Single After Retirement Libby Wilkins, CDFA™ A divorce can be... -
Against The WindJanuary 12, 2018I love Bob Seger and the Silver Bullett band, and still crank up the volume... -
From the Desk of Casey TiniusDecember 4, 2017Find A Comprehensive, Fee-Only Fiduciary A “Financial Advisor” can come in many different shapes and sizes.... -
Hack-Proof Your Amazon AccountNovember 28, 2016It’s Cyber Monday for all you spenders, so we thought it would be appropriate to... -
The Most Important Question in Retirement PlanningOctober 29, 2016What is the biggest financial issue for most retirees? That they’ll outlast and outlive their... -
Summer Planning TipJuly 29, 2016It’s a dreary Friday morning so I thought it would be good to do a... -
The Employment ChallengeJune 17, 2016The one constant thing in life and the economy is that “change” is sure to... -
The Future of Taxes?March 2, 2016We feel that a sound wealth management plan focuses on making the most of the... -
Will stocks decline further? Answer: Watch the EconomySeptember 29, 2015We continue to focus on economic activity to monitor the outlook for earnings, which ultimately... -
Federal Govt StatusJuly 13, 2015The Congressional Budget Office (CBO) reported a June budget surplus for the federal government, which... -
Brace For The Media BarrageJune 16, 2015“The biggest big business in America is not steel, automobiles, or television. It is the... -
In Retirement, Money Isn't EverythingFebruary 19, 2015Financial matters are only one part of the retirement readiness equation. Have you considered the... -
Happy (almost) New Year!December 31, 2014Wishing all a prosperous and blessed start to 2015. The following is a timely poem... -
Give Me A RaiseNovember 19, 2014We continue to get inquires on our opinion of when interest rates will rise. A... -
Manufacturing in the Good Ole US of ASeptember 29, 2014You say what? Not in our country… it has all moved overseas, right? Well, we have... -
Obsession Over "Considerable Time"September 18, 2014The Fed concluded their two day meeting yesterday, and it held no real surprises. The... -
The SeasonsAugust 5, 2014We have compared investing to farming multiple times over the years. We believe there is... -
Rising Interest Rates in Your Future?July 28, 2014This week will be a busy one with Wednesday a key day as the release of... -
Do You Need a Mulligan?July 21, 2014I was raised to respect my elders and listen closely to their advice… there is much to be learned from... -
Taxing Issues.. Key Triggers for an AuditJuly 17, 2014IRS funding cuts have shrunk examinations to their lowest level since 2005. Only 1 return... -
Looking Into The FutureJuly 11, 2014We tweeted out an interesting statistic today from the Journal of Financial Planning that reinforces... -
Economics 101 - It's Supply and DemandJune 13, 2014Why have U.S. Treasury yields dropped since the beginning of 2014? The most convincing explanation may be... -
Markets Must Always CrashMay 22, 2014No, we don’t forecast any imminent drop in the markets. We just saw a good article... -
The GraduateApril 17, 2014HT.. to the folks at Gluskin Sheff on a piece focusing on the labor markets....
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Robotics.. The Next Big ThingApril 15, 2014This is very good read from the folks at Lord Abbett on Robotics. We are...
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Is Your 401(k) Ripping You Off?March 26, 2014Approximately 51 million Americans have invested an estimated $3.5 trillion in 401(k) plans, according to the...
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Where is Inflation?March 19, 2014We have written on numerous occasions about our real fear of deflation, and the fact...
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Rich Habits... Do You Have Them?March 12, 2014We hope you enjoy these success habits. Your daily behavior does determine your economic outcome. Early...
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It's Crunch TimeFebruary 24, 2014The severe winter weather in most of the country dampened January’s housing and other economic...
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Save, Patience and Resisting the ChaseFebruary 20, 2014We strongly feel that investors can enhance their long-term returns by avoiding three common mistakes: Not...
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Budgets Work.. Pay Attention to Your MoneyFebruary 5, 2014This is a great graphic from HelloWallet on the benefits of a budget. Budgets can be...
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Taxes... The New Weapon on the War on PovertyJanuary 24, 2014Statistics reported last year by the Tax Policy Center stated that families with incomes in the...
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Goals Instead of Resolutions?January 17, 2014This is a very good article by the folks at Behavior Gap that apply to...
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Rise of the MachinesJanuary 16, 2014CNBC had some guests on this morning talking about the advancements in technology, and the...
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Make the "Magic" HappenDecember 24, 2013It’s that time of year when Holiday cheer is spread and New Year’s resolutions are...
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High Stakes for Real Estate InvestorsDecember 13, 2013Rental real estate activities are per se passive, they may nonetheless avoid the passive loss...
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Stock Market ForecastsDecember 11, 2013Not sure why CNBC, Bloomberg and Fox Business put so much weight on the Wall...
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What Keeps Me Up at Night?December 4, 2013I got the famous question at the gym this morning… “What do you think the...
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Isn't 0% Bank Interest Low Enough?December 2, 2013The ¼ of 1% that the Fed currently pays US banks on the $2.5 trillion...
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Talking HeadsNovember 25, 2013I thought I would share a good post from Vanguard’s Advisor Blog written by Fran...
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What The Fed Isn't SayingNovember 17, 2013My kids loved the Harry Potter novels during their youth. The quote from the books...
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It Is The Season to GiveNovember 8, 2013The holiday season is closing upon us quickly, which means it is time to start...
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Perceived Safety... At A CostOctober 30, 2013In the current low-yield environment, it’s not uncommon to see low interest rates on Money...
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Still Waiting for WorkOctober 24, 2013The 2007-2009 recession took an enormous toll on the labor market. We believe that this...
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No More Stretch IRA?October 17, 2013A fantastic tax savings opportunity may be going away in 2014, as the Obama budget...
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Money Can Buy HappinessOctober 14, 2013We feel like it can, but you just have to know how to spend it. Buy...
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Work to Be DoneSeptember 25, 2013We have made a small dent into our public (Federal Govt) budget deficit, but significant...
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CommoditiesSeptember 23, 2013We continue to get asked about our opinion on investing in gold. We are in...
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The Selective Recovery.. Except for DCSeptember 20, 2013Even as the economy shows signs of improvement and poverty levels off, new U.S. census...
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Can We Escape?September 5, 2013We have been stuck in an environment of low interest rates for over three years....
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Wrath of the PeopleAugust 28, 2013It is painfully obvious that we have a major problem with our tax code. Last...
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Population by AgeAugust 14, 2013This is a really neat graph that visually helps you understand the advances in Health...
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Would You Eat Hamburger from a Printer?August 10, 2013The changes in technology over the last 15 years have been very rapid, but in...
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Give A Helping HandAugust 9, 2013I do believe that success in life is dependent on giving back to society. I...
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I Need Free AdviceJune 18, 2013We are stopped at regular intervals and asked “when will the market fall?”… The reason...
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KY Pensions... ScaryJune 16, 2013Detroit, MI is suspending payments on $2 billion of unsecured debt, marketing parking garages and...
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What Does Soccer Teach Us About Investing?June 3, 2013I played soccer in my youth, have children that play and love to watch the...
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Quick Facts on Upcoming Affordable Care ActMay 31, 2013Michael Kites wrote a good summary of an article in Forbes that is worth sharing:...
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An Endangered SpeciesMay 17, 2013No, it’s not an animal or plant that is facing a high risk of extinction....
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Haircut.. How Short Do You Want It?May 1, 2013I have gotten funny looks when I have commented that the US beat Cyprus to...
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Do You Have This Dilemma?April 26, 2013At times in your life it becomes very apparent that each day is a blessing....
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Improve Your Future SuccessApril 26, 2013“The best thing about the future is that it comes only one day at a...
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Financial Literacy - Flunking AgainApril 23, 2013This InfoGraphic came from a study by the National Foundation for Credit Counseling. Why are...
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Give Me An OpinionApril 17, 2013We have been very amused with all the news coverage over the recent steep drop...
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A New Type of War?April 4, 2013The new version of war could take the form of manipulating currency values as the...
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No April's FoolApril 1, 2013Very good article today in the WSJ on five really dumb money moves to avoid: 1....
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Will We Get Tax Reform?March 26, 2013We are in the camp that this would be beneficial if the system is simplified...
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Living in the Moment?March 25, 2013The Employee Benefit Research Institute published some alarming statistics from their most recent survey: 43% of...
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Passionate MindMarch 23, 2013These are great principles created by Peter Diamandis that can be applied to anything in...
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Be Sticky!March 12, 2013We encourage people to maintain their long term investment objectives that meet their personal risk...
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US Federal Budget by Family - Part 4February 28, 2013This is our final post on the subject. You can access the earlier posts by...
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US Federal Budget by Family - Part 3February 27, 2013Today we are going to touch on the major “flash” points in the Federal Outlays...
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US Federal Budget by Family - Part 2February 25, 2013Our initial post gave you a backdrop on where we stood as a country per family...
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US Federal Budget by Family - Part 1February 21, 2013Given the attention the Federal Sequestration is currently receiving in the press and popular discourse...
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QCDFebruary 10, 2013As part of the “fiscal cliff” tax compromise legislation passed on January 1, Congress reinstated...
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The Stealth TaxFebruary 7, 2013We are only 30+ days into the new tax changes emerging from the year-end fiscal...
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Citizens in The DarkFebruary 6, 2013I must admit that I was dumbfounded by the results of a series of studies...
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Can Money Buy Happiness?January 21, 2013Actually… we believe yes, but with some caveats. We think the key to success rests...
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Baby Boom Out... Singles Boom InJanuary 15, 2013This is a very interesting piece by Dr. Ed Yardeni this morning…. How will this...
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Technological UnemploymentJanuary 14, 2013This is a great video from 60 Minutes last night that is a good follow-up...
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Investor New Year's ResolutionsDecember 31, 20121. Act Your Wage 2. Spend on Experiences… Not Things 3. Understand Your Tolerance For Risk 4. Stay Ahead...
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Google VenturesDecember 27, 2012They have taken a very different approach to venture-capital funds that is very intriguing. This...
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$3,422,534,328.36December 10, 2012The total outstanding debt of the USA was $16.369 trillion as of 11/30/12 up from...
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Big BucksDecember 4, 20125% of the US population accounts for 49.5% of all health care expenditures. 10% of...
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Household IncomeDecember 1, 2012This is a great post from Big Picture blog that does a great job of...
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Body Surfing and InvestingOctober 10, 2012I read an article by Geoff Davey with FinaMetrica that does a good job of...
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Sad State of AffairsOctober 9, 2012I feel for young kids graduating from college today. I read an article by...
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Best of the Rest?October 1, 2012The yield on the 10-year Treasury note was 2.57% on 8/5/2011, the day that S&P...
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Good Riots?September 27, 2012Riots in Greece… Riots in Spain… but I was caught by surprise by a NY...
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Is The Dreaded D Word on the Horizon? Vote Your OpinionSeptember 13, 2012The inflation index for all items less food and energy has risen 2.1 percent over...
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World Debt ClockSeptember 4, 2012World Debt ClockThe clock is ticking!This is a really cool site on the Economist that...
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Humans vs RobotsAugust 23, 2012I found this article and video on the NY Times pretty fascinating. These advances will...
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Defining Risk... Potential for Permanent Capital LossAugust 21, 2012Interest rates today are inadequate for our retired clients to sustain their lifestyles…. Period.. End of...
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Housing.. The Economic Dark Horse?August 9, 2012Yes, Europe is a mess, China’s economy may be cooling down to red-hot status, US unemployment rate...
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Call Me Maybe?July 30, 2012We do feel like you should be reaching out to your mortgage loan officer to...
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Riddles in the DarkJuly 16, 2012I am making my kids read a classic novel before the movie hits theaters this...
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Financial MasochismJuly 9, 2012Returning from the beach to be greeted by 1.51% 10-Year U.S. Treasury yields, so I...
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Health Care is a Big BusinessJune 29, 2012We have held an overweight to the Health Care sector for serveral years. The Health...
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Revisiting the Health Care Tax...June 28, 2012In light of today’s Supreme Court decision we thought it would be good timing to...
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Who Would Have Thunk It... Where Is Technology Heading?June 26, 2012This is exerpts from the MIT Technology Review: At first glance, Thad Starner does not look...
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Black Markets... Sized UpJune 25, 2012Shadow economies – sometimes called the black market or informal economy – exist in every...
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The Small Business TaxJune 11, 2012Interesting graphic from the Chamber of Commerce: Browse more infographics.
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Future Wishes - Planning for End-Of-Life CareJune 8, 2012We cannot stress enough the importance of having a customized living will and health care...
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Does This Make Sense?May 25, 2012The Germans issued $5.8 Billion (in US $s) of two year notes this week with...
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Education 2.0May 21, 2012We do believe that most of the problems in the world are deeply rooted in...
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Don't Lose My Money!May 8, 2012We have heard this statement echoed from a large number of our clients and friends....
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How Far Have We Come?April 30, 2012We have been placing a low probability of a rapid economic expansion in the intermediate...
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Grading the US Government 🙁April 20, 2012As we stated in our last post our biggest worry is our government wrecking the...
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Banking System - Post Financial CrisisApril 18, 2012We continue to be amazed at the hatred towards banks after the financial crisis. The...
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Student Debt and Senior CitizensApril 3, 2012This post by Calculated Risk was a shock to us on the demographics behind student...
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Greed is Good?March 24, 2012I loved this line from the 80’s movie Wall Street, but is it accurate? I...
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Pessimism...Our FriendMarch 9, 2012We continue to see individuals fearful of owning equities due to an aversion to potential...
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March 6, 2012We have commented to our clients in our meetings that Japan is a real danger...
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College Tuition... Will Increases Slow Down?March 5, 2012Great piece today by Catherine Ramplell in her Economix blog on the New York Times. College tuition...
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Pick Your Choice - Pile A or Pile BFebruary 28, 2012We have received numerous inquiries about our thoughts on precious metals over the past several...
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Risk in US Treasury Securities?February 21, 2012This is a great blog post by Global Macro Monitor last week that sums up...
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Banks still are Gov't TargetFebruary 17, 2012I received an interesting article from Tom Brown @ bankstocks.com today about the administration. The...
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Tightened UpFebruary 12, 2012I read an article in Baron’s this weekend that reinforced a big fear that will...
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Who are the Unemployed?February 5, 2012The soft patch in the employment picture last summer has turned around over the past...
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Common Audit TriggersFebruary 4, 2012In the spirit of tax season we found this link on the list of most...
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Hire a Financial Advisor or Go it Alone?January 15, 2012I recently ran across this response to a question by Walter Updegrave at CNN Money....
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