Blog

Should I Refinance my Home?

With a long-term home mortgage, interest rates matter.  Rates on home mortgages have dropped about 20% in the last year, making this a good time to look at your mortgage to see if you can save some money.  With rates…
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THORdex Update: Stock Market Risk?

 Today we will give you an update on the THORdex, our proprietary tool we use to measure risk in the US stock market. In this video, we will highlight the back-tested data of this measure going back to 1978.
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HSA Portability- Bring your HSA With You!

If you read our blog titled   The Long Term Power of the HSA, then you know that we are big proponents of Health Savings Accounts (“HSAs”). By taking advantage of all that HSAs can offer, you can really propel your…
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Keep the Fed Independent

Like many others, we have complained about many of the decisions the Federal Reserve has made in the past. However, we would rather have an independent Federal Reserve than one swayed by politics. Historically, the more independent the central bank,…
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3 Keys to Understanding Credit Scores

What is a credit score? A credit score is a three digit figure that is intended to measure the likelihood an individual will repay debt and credit obligations.  It was created to simplify the process of obtaining credit.  The score…
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US Stocks Disconnect from Earnings

When buying a stock, you are investing in the future of the company. Historically a stock price is highly correlated to earnings growth. If earnings grow, the stock increases and vice versa. What we have seen in the past decade…
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How Disability Insurance Works (When You Can’t)

One topic that often is overlooked when it comes to personal finances is risk exposure.  Risk is why all sorts of insurance products exist.  Sure, we know we need car insurance in case we are in an accident and medical…
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Saving into a Roth IRA

As we have said in previous blogs, it is important for individuals to attempt to save money into three distinct “buckets” during their working years.  These buckets are the pre-tax bucket, the after-tax bucket and the Roth bucket.  This blog…
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Are We Headed Into a Recession?

 The yield curve turned negative and is a possible sign of recession. Are there any other signs? Yes, trucking rates are now down year over year. Also consumer confidence is near a 50 year high, which has shown to…
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Should I borrow from my 401k?

In our recent blog, Understanding the Ins and Outs of 401(k) Plans, we touted the great benefits of 401(k) plans. Some investors might also see this as a source of potential funds for personal loans.  Your 401(k) is a powerful…
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Market Updates

We spend a lot of time studying the market and we share our thoughts via email. If you would like to learn what we think, please enter your email address below for occasional updates.