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How Bonds Work: What Retirees Need to Know

By |2022-10-27T17:21:34+00:00October 27, 2022|Podcast, Uncategorized|

There is a lot of noise in the media about bonds currently. Many are wondering if they should stay in bonds, how safe bonds actually are, and what voices they should listen to for advice. Every situation is different, so you should always speak to an advisor.

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Inflation: the good, the bad and the truth

By |2022-10-18T13:56:38+00:00October 17, 2022|Financial Market, Income Taxes, Retirement Income Planning, Tax Planning, Theus Wealth Advisors, Uncategorized|

Recently, a number of folks have asked me:  So… we know you’re a pretty optimistic person. But what’s the most bearish or worst-case scenario for the stock market right now? There is a lot of bad news despite the media attempting to paint things in a good light. In truth, you have to balance being optimistic with being realistic. I’m a long-term optimist with an understanding that things can and will get really bad on occasion. See history. It’s just how things work when humans [...]

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Why People Make Dumb Financial Decisions on Purpose

By |2022-09-14T01:17:12+00:00September 12, 2022|Uncategorized|

Do people really make dumb decisions.... on purpose?! That would actually be called 'cognitive dissonance'. And certainly, people can often work against their own best interests because they follow the wrong information, based on biases. However, the topic we're addressing today has to do with the fact that financial decisions are personal. As in, each of us has unique goals, concerns or interests. What might be okay for me, might be too risky for you because the perception of risk is also personal and experiential. Ben Carlson does [...]

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If you have a Federal Employee TSP – Watch This Video

By |2022-09-10T22:45:30+00:00September 10, 2022|Investment Management, Retirement Income Planning, Uncategorized|

Do You Know How Your TSP Dollars Are Being Invested? What is Blackrock you ask? In January 2022, West Virginia Republican State Treasurer Riley Moore announced that the state would no longer be using BlackRock Inc. for banking transactions due to the company’s involvement in China and its policies related to coal and natural gas. Well, in June 2021, Tucker Carlson exposed how BlackRock and other investment firms like it, are "killing the dream of home ownership." Journalist Pedro Gonzalez reiterated [...]

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Why it’s Harder to Pick a Winning Stock Than a Losing One

By |2022-01-18T12:22:32+00:00January 18, 2022|Uncategorized|

“The sky has finally fallen,” said Eeyore. “Always knew it would.” While you might not want to adopt the pessimism of Winnie-the-Pooh’s gloomy friend in every aspect of your life, when it comes to picking stocks, having a glass-is-half-empty attitude can give you a statistical advantage. It’s not because the market as a whole has been contracting. In fact, quite the opposite has been true over the past several decades. It’s because, for any given timespan, the number of stocks that underperform the market will outnumber [...]

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A Simple Lesson in Discipline From a Legendary Baseball Coach

By |2021-10-19T12:25:00+00:00October 19, 2021|Uncategorized|

Chris Sperry, a consultant who works with young baseball prospects, tells about a lesson on discipline he’ll never forget. He was attending the American Baseball Coaches Association convention, where for two-and-a-half days more than 4,000 coaches (from Little League to Major League) attended seminars on every aspect of the game. After a day of learning about pitching mechanics, hitting philosophy, and team practice drills, Sperry felt it had been well worth his time to attend. But the session everyone had been buzzing about was an afternoon [...]

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Where are They Now? Creative Destruction and a Healthy Economy

By |2021-09-21T13:10:48+00:00September 21, 2021|Uncategorized|

As the 2021 pro football season kicks off, the Tampa Bay Buccaneers will start at quarterback a man who by all standard measures is middle-aged. But if 44-year-old Tom Brady plays like he did last season, his team should do very well.   Even if you don’t follow sports this is an extraordinary story. Brady’s win in last year’s NFL Championship Game came 19 years after his first Super Bowl win in 2002. The most amazing thing is how little he has seemed to have changed—especially [...]

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The Tumultuous History of the Last Weekend of Summer

By |2021-08-31T11:01:44+00:00August 31, 2021|Uncategorized|

Image from Unsplash.com This coming Labor Day will be characterized by backyard barbecues, back-to-school sales, and many employees enjoying the federal holiday. But few people will stop to consider what this day represents in the transformation of what it means to be an average worker in America. And the tragic history that led to the basic workplace rules we tend to take for granted. Up to the Industrial Revolution (which peaked in the mid-1800s) most Americans worked on farms. It was hard and dangerous [...]

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Hiding in Plain Sight

By |2021-07-27T13:51:04+00:00July 27, 2021|Uncategorized|

In his classic detective story The Purloined Letter, Edgar Allen Poe tells how an embarrassing letter has been stolen (purloined) from the French Queen to be used for blackmail. The authorities believe they know who took it, and order a thorough search of his apartment. The police detectives pull up the carpet, probe seat cushions with needles, and even look behind the wallpaper. But they fail to find the letter. In comes Poe’s protagonist, amateur detective August Dupin, who quickly finds the letter and turns it in to [...]

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Domesticating Your Emotions: Stoic Principles for Investors

By |2021-07-20T13:48:46+00:00July 20, 2021|Uncategorized|

Tony Dungy, who is remarkable for winning a Super Bowl as a player and then doing it again as a head coach, has a simple philosophy for dealing with tough situations. "You can't always control circumstances," says Dungy. "However, you can always control your attitude, approach, and response." This way of thinking is what allowed him to stay calm and think clearly in times when it was tempting to respond emotionally. And it's also a mental discipline practiced by a group of ancient Greek philosophers known [...]

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