Articles

Is America in Decline?

In 1945, the U.S. made up more than half of the world’s total gross domestic product (GDP), which basically means that half the world’s economy took place inside U.S. borders. Today that figure is just under 22%…

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Return on College

Let’s say you’re giving your niece or grandson some advice on which major to select in college. Do you tell them to get an art degree, or take courses in social sciences? Or should they focus on business and finance…

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Index Churning

Most people think of the major stock indexes as a stand-in for a certain sector or category. The S&P 500 represents large companies, the Russell 2000 tells you what small capitalization stocks are doing, and the Dow represents broad economic sectors…

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Is Good News Really Bad News?

You may have read last week that the U.S. stock market took a tumble based on what would seem like really good news: that the U.S. unemployment rate is falling faster than anybody expected. If you’re scratching your head, you’re not alone…

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Financial Habits and Net Worth

You already know that our financial habits determine our financial fate. If we avoid credit card debt, spend less than we earn and create a financial buffer against the unexpected, we tend to thrive financially…

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Malware Protection

Do you really need antivirus software on your home computers? Yes. The Internet is increasingly awash with creative malware that can severely damage your computer, destroy your files, and embed themselves quietly in your operating system…

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Protecting Yourself From Identity Theft

We’re hearing a lot more about identity theft these days—from hackers stealing credit card numbers from big banks and retail stores to individuals opening up credit card or bank accounts in your name, which they can use to write bad checks or make expensive purchases…

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Failure of Regulation: Leaky Gas Pipes

On January 22, 2014 in the Boston Globe article by David Abel titled “Leaks in Gas pipes exceed estimates”, the paper cites a Harvard University study where they found that gas pipelines are leaking like sieves…

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2014-2015 Budget Shows Figures Do Not Lie But….

About 5 months ago, the current administration stated that they thought the budget gap would be much less than the $675 million estimate from then candidate Charlie Baker. Now we are learning that the budget shortfall is closer to $750 million…

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Mirrors & Binoculars

Often it seems that we look backward in the mirror to move forward.  With financial planning that often occurs with investments where people believe that what worked...

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Year End Report

2015 Investment Report: Diversification still matters! Looking back on 2014, people are going to say it was a great year to be an investor in domestic equities.   They won’t...

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