Tag Archives | behavior management

Male hiker exploring the Dolomites landscape

Do you really know who you WILL be?

It is human nature not to be very good at imagining our future selves. Scientists call this “temporal discounting” (temporal discounting on Wikipedia). Various experiments have shown that we either imagine our future selves to be healthier, richer, or more disciplined than we turn out to be, or we feel disconnected from our future selves, thinking […]

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You've heard of the "1 percenters" - what percenter are you?

You’ve heard of the “1 percenters” – what percenter are you?

You can get a sense of what “percenter” you are through a handy site that summarizes income or wealth (and other stuff too) called Shnugi. The numbers are based off of the results of the Survey of Consumer Finances by the Federal Reserve.   There are two measures that people often confuse being similar. Income and […]

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Businessman reading newspaper at coffee shop

Record highs (at anytime) means what exactly?

With stock indices continuing to set new highs, does this mean negative returns for stocks are on the horizon? If prices increasing over time was a troubling development, what would be the point of investing at all? You would think investors would realize there is no potential for future gain, and not invest. So why do […]

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StockSnap January UMIOY6CVUM

As Goes January, So Goes the Year?

As investors ring in the new year, some may see the occasional headline about the “January Indicator,” “January Barometer,” or “January Effect.” This theory suggests that the price movement of the S&P 500 during the month of January may signal whether that index will rise or fall during the remainder of the year. So every […]

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Retirement Income – A book Review

Fundamentally Wade’s work, in his newest book, is a great summary of a lot of research so far in this nascent field of withdrawing from assets to supplement retirement income. “How Much Can I Spend in Retirement?: A Guide to Investment-Based Retirement Income Strategies (The Retirement Researcher’s Guide Series)” by Wade D Pfau, available at […]

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Medical Bill Worries?

Medical Bill Worries?

There’s no shame not understanding your medical bills. They’re filled with medical gobbledygook to the normal person. This is especially frightening when they get large. You certainly don’t want unpaid bills being sent to a collection agency where your credit score will be hurt. Many bills may have common errors and hospital bills tend to […]

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Positive returns frequency

What is the Frequency of Positive Returns?

People focus on returns, average returns, good or bad returns. Rather, progress isn’t made over short terms, but over the longer term. So how often have the markets been positive? The below article explains how to better view markets and how you should participate in them for healthier and wealthier outcomes. It illustrates how infrequent […]

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Markets are always uncertain

Markets are always uncertain

Markets are always uncertain. Actually, as the article below states, markets aren’t uncertain … uncertainty is a human condition that is emotional and the markets simply reflect this emotion among the many other emotions market participants feel. I like to schedule posts in advance. You’ll notice the article below is dated May … when the […]

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