What Are Normal Stock Market Returns?

What are normal stock market returns? This is a question I get from almost every new client I interact with…and almost everyone has a different opinion.  Lots of the time it has to do with either the recent past experience or something they read a long time ago.  Should we use long-term average returns?  Should we use the returns over the last five years and extrapolate those?

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Don’t Make These Mistakes When Booking Travel!

We are fast approaching the Summer vacation season.  As we all get excited about where we might go, it’s important to think about your finances as you book the trips.  Far too often, people plan their vacations without thinking about how to pay for them or where to get the best deals.  As part of…

How to Handle College Rejection Letters

I just read a great article by Michelle Woo at Life Hacker on college rejection letters.  It’s the time of year when kids are receiving acceptance and rejection letters from their college applications.  It can be stressful.  I remember back when I was eagerly anticipating my applications.  It’s important to be supportive of our children…

14 Powerful Leadership Traits

Are you a leader or a manager?  Many of us are striving to improve our leadership skills.  Here is a great article by Leon Ho of Lifehack on the 14 traits of great leaders.

How to Smoke a Rabbit

I had a great time this weekend with my two girls.  In addition to the University of Michigan winning the Big Ten Men’s Basketball Tournament, I was able to spend some time with my girls smoking some rabbit.  They are beginning to learn where our food comes from, how it is made and what nutritional…

The Best Business Credit Card Rewards of 2018

As more and more Americans become savvy about their credit card usage, an all-out war on your business has ensued.  There are credit cards with some incredible benefits for both business owners and individuals.  Maximizing your usage can provide some incredible perks.  I recently finished up an analysis for my business and thought I would…

How Long of a Retirement Will you Have?

When I do financial planning for a client, the most important aspects of the plan are the inputs.  A plan is only as good as the information you give the software…  and one of the hardest assumptions for people to decide on is their life expectancy.  We know that in general, due to medical advances…

Should you buy a vacation home?

The past few weeks here in the northeast have been brutally cold!  Temperatures are more than 30 degrees below normal.  In Baltimore, we came within a day or two of the most consecutive days below freezing in history!  My kids are running around this house screaming on a daily basis.  They are stir crazy already…

Huge Change to Military Retirement Plan

So, in a move similar to the business sector, the government will now be shifting more of the retirement liability on our individual military families. Providing access to the #TSP of which they will need to defer a portion of their paycheck AND choose how its invested.  In addition, the pension payout is to be reduced. Education…

Summary of the NEW TAX BILL for Individuals and Small Business Owners

Happy New Year!  It is amazing, but Congress was actually able to pass a tax bill at year-end.  I know, I know, everyone has heard about how they missed their chance to have “real” reform.  How it’s a benefit to the ultra-rich.  How corporations make out like bandits and the little guy doesn’t.  But, in…