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Try a New Approach for the New Year

I love a good New Year’s resolution. It’s not so much about specific goals, for me. It’s about the opportunity to reflect on what’s gone well in the last year, what hasn’t, and most importantly… what I’m willing to do to make the upcoming year even better. The most pivotal resolution I’ve ever made was to become a systematic investor. I made the switch in January 2010 – after a year of trading foreign currency markets on a discretionary basis, and after watching my clients’ buy-and-hold resolve fail them miserably the year prior to that. I didn’t fully appreciate the […]

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A Straightforward Approach to Investing

Pardon my language, but moving sucks. We recently relocated from Florida back to Texas. My native Texan wife is ecstatic. And I’ve got to admit, the weather has been awesome for the past two months. But almost nothing about the move was enjoyable, including the process of settling into our new home. It’s not that we don’t like it. The house is fabulous. But there are things she – I mean, we – think need to be updated or remodeled. That’s where the fight starts. Not between the two of us, but between me and inertia. And I don’t always […]

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One Approach to High Healthcare Costs

In 2015, I thought my healthcare renewal statement was wrong. The premium for my shrinking family of three (two adults and one child) was increasing by more than 30%, to $ 1,454 per month. My earnings place me out of the subsidy bracket, so these are real dollars out of our budget. There were plenty of insurance companies to choose from. Shrinking availability was not a problem. It was just breathtakingly expensive. Or so I thought. In 2016, my premium jumped to $ 1,733 per month. The galling part is that I had no control. I’d kept tabs for years. […]

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Who’s Buying And Why? — The Transactions Approach

Theory turns toxic when institutionalized. Need an example? Just look at modern economics. Economists surround themselves with models that are supposed to predict everything from inflation growth to GDP. But do they work? Eh… not usually. These models wind up failing because they try and take a perfect, fitted theory and apply it to a messy and often times random world. Think about the basis of all economics. It assumes that each player is “rational”. Ha! If only these economists could meet a few of my ex-girlfriends… Just the other night our team met up with one our friends on […]

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