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Insurance Needs vs. Insurance Wants

Thursday, August 14th, 2014

By Jared Nelson

I remember lying awake in bed one night several years ago, tossing and viagra fedex overnight shipping turning. There was something on my mind that I just couldn’t resolve. My wife had recently given birth to our fourth child and I just couldn’t shake the weighty feeling of financial responsibility. Then it hit me. As the only wage earner for my family I had a moment of sudden clarity. My family was wholly dependent on me for financial support and I didn’t have a back-up plan. I needed life insurance! I had a very pressing insurance need.

While there are certainly a lot of buy tramadol at cheap price online opinions about life insurance, there is a methodical way to approach the topic. To begin, you need to order cheapest propecia online separate the various reasons to purchase life insurance into two categories: needs and wants. The act of dying itself does not create a need for insurance, but depending on your own unique individual circumstances, your death may indeed produce the levitra by mail need for those you care about.
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$1 Million Doesn’t Go as Far as It Used To

Thursday, July 17th, 2014

By J.P. Wirig

A right-handed pitcher from my hometown earned a $1,860,000 signing bonus in the 2001 draft. That is http://www.ehs-support.com/purchase-discount-cialis a phenomenal amount of money for a young man to receive! Many of us would think that ought to be enough for just about anybody to live off of for the rest of his or her life.

I wasn’t so sure, and I quickly ran some calculations to see how long this bonus would really last. The answer may surprise you.
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Ignoring the Siren Song of the Market

Thursday, June 19th, 2014

What causes market prices to change? It begins with the never-ending stream of viagra cheap generic news informing us of the good, bad and ugly events that are forever taking place. For example, when there are reports that a fungicide is attacking Florida trees, orange juice futures may soar as the market predicts that there’s going to www.raisdorfertsv.de be less supply than demand. But what does this mean for you and your investment portfolio? Should you buy, sell or hold tight? Before the canadian propecia rx news tempts you to jump into or flee from breaking trends, it’s critical to be aware of the evidence that tells us the most important thing of all: You cannot expect to consistently improve your outcomes by reacting to breaking news.
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The Value of Secondary Market CDs

Thursday, June 12th, 2014

By Barry W. Oliver, CPA/PF

One way to bring value to fixed-income portfolios, especially during times of low interest rates, is through secondary market CDs. These CDs are nearly identical to new issue CDs, except that they are now out of their primary issue phase and can be offered at a discount (or premium). The result is usually a pickup of need a prescription for viagra yield over new issue CDs.
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How Hungry Are You for Risk?

Thursday, May 15th, 2014

By Joe Kalinowski, CPA/PFS

After the bear markets of 2000–2002 and 2008, we seem to http://www.nuevasesperanzas.org/generic-viagra-no-rx-usa have entered an era in which investors wonder whether a market collapse is right around every corner, even following new market highs. The S&P 500 and Dow Jones are reaching new peaks as I type, but have experienced considerable volatility since the beginning of the year. So, is it reasonable to fear a severe market downturn given this generally good performance, particularly as we watch events unfold in Ukraine and lowest price on levitra around the globe?
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The Advantages of Evidence-Based Investing

Thursday, April 10th, 2014

People are becoming increasingly familiar with “passive” or “index” investing, making it easier for individual investors to gain cost-effective exposure to globally diversified market returns. That’s good news! What’s even better news is that there’s a similar approach we use with our clients that incorporates the many strengths of passive/index investing while eliminating some of its inherent weaknesses. We call it evidence-based investing.

More than any other approach, evidence-based investing is founded upon available research about how markets have delivered long-term wealth to patient investors. By combining sound strategy with objective advice, evidence-based investing can help you tune out harmful distractions and confidently pursue your financial goals.
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The True Value of Coaches

Thursday, March 13th, 2014

By Jay W. Wirig, CPA/PFS

Most sports enthusiasts pay attention to coaches and their roles. In fact, watching football coaches is almost a viewers’ sport in itself. During a football game, we see coaches running up and down the sidelines with headsets on, receiving information from several different sources. They talk to players and other coaches, and are known for heated displays when trying to only for you make a point. Sometimes, we even see their “noise” directed at those who are officiating the viagra us game (often in a vain attempt to influence the potential outcome). However, effective coaches aren’t always front-and-center.

Level-Headed Support

Tennis coaches stand in stark contrast to football coaches. As you may know, tennis coaches are not allowed to coach during an actual match. Whatever communication happens between the tennis player and the coach is buy ultram 100mg not publicly broadcast—so we really don’t know how or when the communication takes place. I am drawn to the tennis coach, mostly because of the lack of purchase abilify online noise!
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Is Your Portfolio as Diversified as You Think?

Friday, February 28th, 2014

By Brent P. Thomas, CPA, PFS

Diversification is one of the most widely accepted strategies for structuring a successful investment portfolio. In fact, according to Nobel laureate Merton Miller, “diversification is your buddy”—one that mitigates risk and volatility in your portfolio.

What is Diversification?

Simply put, diversification is the process of spreading your portfolio across several asset classes. For example, a diversified portfolio may be invested in several U.S. and foreign stocks, bonds and viagra rx in canada short-term investments. The logic behind this strategy is that because your portfolio is invested in several asset classes, if one category takes a dip, the rest won’t necessarily follow.
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The Fiscal Cliff and Dentistry

Thursday, January 31st, 2013

Partner, J. Haden Werhan,  explains the buy cialis from india impact of the fiscal cliff on dentists and dental team members in this online article published by Dentistry iQ. Click the link below to read the article:

The Fiscal Cliff and Dentistry

 

 

Lessons from 2012

Thursday, January 31st, 2013

Each year, Director of Research for the BAM Alliance, Larry Swedroe, takes a look back at the investing lessons the markets provided for the year. Click here to mail order viagra without prescription read his take on 2012:

Capital Ideas – Lessons From 2012 2013-01