When Should You Take Your Social Security?

Ever since President Franklin D. Roosevelt signed off on the 1935 Social Security Act, most Americans have ended up pondering this critical question as they approach retirement: “When should I (or we) start taking my (or our) Social Security?” And yet,...

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How Can I Reduce My California State Income Taxes?

California is well-known for its high taxes. Depending on your income, you could be looking at a hit as high as 13.30% come tax time. But what can you do about it?  In this article, we’re going to list out several...

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Back to the Investment Basics Part 5: Patience and Personal Persistence

So far in our investment basics series, we’ve explored the history of investing; how important it is to save (so you have money to invest); how to invest efficiently in broad markets; and why to avoid chasing or fleeing...

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Back to the Investment Basics Part 4: The Price You Pay Matters

In our last piece, we described our marvelous markets, and how to account for their being both robust and random at the same time. Today, we’ll look at how stock pricing works, and why Nobel laureate William F. Sharpe...

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Back to the Investment Basics Part 3: Our Marvelous Markets

In our last piece, we introduced the importance of saving, which is the first of five basics that have served investors well over time. Today, we’ll look at where stock market returns really come from, and why that matters...

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Back to the Investment Basics Part 2: First Save, Then Invest

In our last piece, we wrote about how recency bias can damage your investments by causing current crises to loom large, while rewriting your memories of past challenges. Recency tricks us into overpaying during heady times, and bailing at...

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Back to the Investment Basics Part 1: Remembering Summers Past

There were so many big events competing for our attention this summer … said nearly every investor, almost every summer, ever. We’re not making light of this summer’s uncertainties. Inflation is real, and needs to be managed; we also can’t...

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Our Fund Selection Process: How We Choose The Funds We Use

Does it seem like there’s been an extra level of uncertainty lately, threatening your investment plans? Of course, there are always big events going on; that’s the world for you. But today’s brew of geopolitical threats, inflation trends, rising...

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What is a Recession? Six Ways a Recession Resembles a Bad Mood

There’s been a lot of talk about recessions lately: Whether one is near, far, or perhaps already here. Whether we can or should try to avoid it. What it even means to be in a recession, and how it’s...

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Fighter Planes and Surviving Bear Markets

Have you been reading the daily headlines—watching markets stall, recover, and dip once again? If so, you may be wondering whether there’s anything you can do to avoid the motion sickness. If you already have a well-structured, globally diversified portfolio...

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