Category: Investing

Beautifully Designed 401k Plans: Rare as Hen’s Teeth

As a financial planner, I’ve seen many a 401k plan in my day, and I’m here to tell you that the vast majority of them are not pretty, while some are even downright ugly. Admittedly, that’s a mighty broad brush full of awfully harsh words, and I’d surely prefer to […]

Language Fail in the Land of Financial Planners: The Smooshing Together of Financial Planning and Investment Advising

Hey kids! The FP50IBD for 2014 is out, and it’s a real humdinger! What’s that you say? You’re wondering what that nasty looking little squirt and a half of letters and numbers all strung together in that first paragraph means, are ya? Please allow me to introduce . . . […]

When a Vig Equals Ownership: The Forever-Cost of a 401k Plan

Wall Street — by which I mean the overall business behemoth that makes its money by holding investments of other people’s money and by trafficking in investments and money generally — is vigging all of us to death. I mean this pretty much literally, i.e., I mean that, from the […]

Financial Predictions for 2014: I Predict They Will be Mostly Useless

T’is the time of year when the financial media outlets — both lay and professional — are chock-full of stories about what 2014 will bring. Should you listen to them? I’ll start off with a blanket response to that question of nyet, and soften it only if you promise to […]

San Francisco Realty Realities Bite or Nourish, Depending on Which Side You’re On

I am fortunate to live in Noe Valley, San Francisco, California, USA, North America, Earth. I am doubly fortunate to have bought a house in En-Vee Ess-Eff See-Eh in 1996 (though admittedly the downside of this time scaling is that it puts me well into the second half — final […]

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