A Deep Breath

For most, summer is a good time to take a break and enjoy some great weather and time outside. But we can’t help but notice that when August rolls around, it’s like the last chance to squeeze in a few things before Fall comes and the weather cools off, but...
How to Read the Panicky Market

How to Read the Panicky Market

Some of the most entertaining times to be a long-term investor are those periods when short-term investors are looking over their shoulders for an excuse to sell.  They’re convinced that the market is going to go down before they can get out, and so they jump on any...
How to Read the Panicky Market

Student Loan Forgiveness

By Nathan Carmany As a college graduate from the class of 2000, I was fortunate enough to limit my total student loan borrowing to $2500 through a combination of grants, and academic scholarships, and living at home.  Today, the average student is not the benefactor...
How to Read the Panicky Market

Pension: Lump sum payout or Annuity payout?

By Nathan Carmany Frequently, people will ask for help answering the question if a lump sum or annuity payments should be chosen when a pension fund offers a buyout. While the topic has been examined in many blog posts, articles, and other financial media, here we...
How to Read the Panicky Market

Fed Fundamentals

As bond market volatility increases, analysts are heightening their watch on Federal Reserve commentary. Turn on any financial channel and see how long it takes to hear the word Fed or Federal Reserve.  While many of the organizations provide insight (with no lack of...
How to Read the Panicky Market

The First Question to Ask Everyone

Suppose you truly want to connect with other people.  What’s your best strategy? Most of us start off with questions like: what do you do for a living?  And: where did you grow up?  We ask for facts and then try to extrapolate a living person around the data that we...
How to Read the Panicky Market

Life Satisfaction and Economic Growth

You’re probably tired of hearing about the Greek debt crisis, but sometimes it helps to connect the abstract with the concrete—that is, the huge numbers involved with the actual lives of the people living in the country. The Greeks today live in a vacuum of...
How to Read the Panicky Market

The Doctor On Your Wrist

Chances are you think that medical costs are going to bankrupt America, and if we assume that Medicare and Medicaid costs will rise as they have for the past 20 years (despite the brief interlude these last three years), then there is reason for alarm. But ask...