Observations & Analysis Archive

A Whole New Paradigm When Choosing Where to Live

One issue I’ve been tossing around my head the past few months is the question of where is the ideal place to live in the USA? And before you think this is another “downsizing’ article (which I am prone to do!), this topic is more important for YOUNGER people as the decide where to build a …

The Value of Higher Education

Author note: This is a follow up and continuation (and in some parts reiteration of my article The Future of Education… published 9/30/13…~Chris In the past year and half, I’ve been sharing a different perspective on the value of higher education than most people are familiar with. Let me use Charles Hugh Smith’s quote to …

More Reasons to Focus on Health – For Real

So many people say that health is important. And if you ask the average person about what is important in life, you’ll often get the list before you get to money – health, spiritual life, family, friends blah blah then they get to financial security. However, when you watch their actions, you often see a …

Fix That Resume – Your Largest Asset Depends On It

Did you know your resume could be worth over $1 million? It could be. My reasoning is as follows… (cover photo courtesy of Juhansonin) Some time ago, I came across this neat article on how to frame a resume from Tammy Erickson in the Harvard Business Review: The Case of the Rolling Stone (that Gathers …

Why Rising Rates Will Eat Your Home Value

credit myself with the front photo🙂 from Bloomberg: Rob Braunstein said his search for a three-bedroom home on a quiet street in Needham,Massachusetts, is taking on more urgency as he watches mortgage rates tick higher. Every increase, he worries, shrinks his budget by boosting monthly payments, he said. That says everything you need to know about the …

Retirement Income Planning Credentials Demystified

I just saw a story that the Insured Retirement Institute (IRI) would be putting out a new retirement income designation called the Retirement Income Certified Professional (RICP). And this made me think of my RMA credential  – and I wondered if anyone noticed or cared what it meant. I do know that some people care …

I Have No Idea

I wrote a post on my personal blog this morning talking about how I had no idea what was coming next in the markets. I said things like “stocks haven’t fallen enough to be a screaming bargain and if world GDP slowed down another 2-3%, they would probably be considered expensive” and ” government bonds are …

“Actual” Economics vs Macro, Micro Etc – It’s All in the Mind

Many financial advisors likely feel that if their clients only understood the “fundamentals” of the financial field, they wouldn’t get upset over market ups and downs (what we call “volatility” in the industry. However, the truth is much more complicated in that and a whole field called “behavioral economics” has grown up around the idea …

The Honest Broker – Reflections on Seth Godin’s Comments

From the blog of the famous Seth Godin: The honest broker It really is a choice, one or the other. Either you happily recommend the best option for your customer, or you give preference to your own items first. Either you believe in what you sell, or you don’t. Either you treat your best partners …