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You’re not thinking; you’re just being logical

You’re not thinking; you’re just being logical

As Niels Bohr (Danish physicist, philosopher and Nobel Laureate) apparently once told Einstein, ‘You are not thinking; you are merely being logical.’ With apologies to logic (and my overly stoic friends) Sorry Seneca, Aurelius, and Aristotle, humanity’s greatest...

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The BEST Investment Newsletter

The BEST Investment Newsletter

This post was inspired by investors who tell me they use a newsletter to pick stocks, that diversification is for losers, and it's easy to beat the market. Here's a case study in what happens when you follow financial newsletters sent straight to your front door....

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“The market” is NOT your portfolio

“The market” is NOT your portfolio

Years ago, a client sent me an e-mail. It simply stated: “Us down, the market up, why?” Why am I underperforming the ubiquitous “market”? I blame financial media. Fox. CNBC. MSNBC. Barron's. Bloomberg. Money. Forbes. Dave Ramsey. Suze Orman. All of ‘em, for giving...

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Re: “It’s not the right TIME to invest”

Re: “It’s not the right TIME to invest”

Is investing really all about timing? You wait for the right time: corrections, recessions, pull-backs, blow-ups, and inflection points. Then, BAM—you make hay, and get out. Do it again and again. That's how investing works, right? Clichés like "time in the market,...

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Flipping Off The “Average Return”

Flipping Off The “Average Return”

Unmet expectations cause us distress. At times we lose perspective. When things are going well, we bask in the warm sunshine of +20% returns. But when it temporarily and inevitably floods worst-case -30% returns, we forget there are seasons. Return seasons. Sorry,...

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Understanding Poverty Can Help You Become Wealthy

Understanding Poverty Can Help You Become Wealthy

What really keeps people in poverty? Is it the same self-destructive patterns that hold us back, whether we’re poor, middle class, or wealthy? Are we all really not that different? Isn't a foundation of wealth built and lost in the day-in-day-out decision making...

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Cutting Off 4 Fingers for a “Rule of Thumb”

Cutting Off 4 Fingers for a “Rule of Thumb”

When I read some of the rules for speaking and writing the English language correctly—as that a sentence must never end with a particle—and perceive how implicitly even the learned obey it, I think: "Any fool can make a rule, And any fool will mind it." -         ...

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The Best Advice You Never Received

The Best Advice You Never Received

So…What do you actually do for me? Before I launched MARGIN almost two years ago, an obsessive quest began: What were my peers really delivering to clients? Not just their marketed online services. Not just the lip service of their pitches. Not just their portfolio...

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Fast Food Financial Planning

Fast Food Financial Planning

Welcome back! I haven't written you in a while, but I promise there's a few good reasons: As you see, we've revamped our site! Check out our new complexity based flat- fee structure (for current clients, nothing is changing for now). We've also added the story behind...

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Maybe It’s different this time in the market? Or Maybe not…

Maybe It’s different this time in the market? Or Maybe not…

"…But something that can never be learnt too thoroughly can never be said too often. With some people you only need to point to a remedy; others need to have it rammed into them…" "…Nothing hinders a cure so much as the frequent changes of treatment; a wound will not...

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Recession Investing Mistakes for Dummies

Recession Investing Mistakes for Dummies

There would be this advantage in traveling in your own country, even in your own neighborhood, that you would be so thoroughly prepared to understand what you saw you would make fewer traveler's mistakes. - Henry David Thoreau You think the "experts" know, so you...

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How can you be (MUCH) wealthier? Learn more than money.

How can you be (MUCH) wealthier? Learn more than money.

"Most of us, however, are specialists…Each specialist sees something different. A typical Engineer will think in systems. A psychologist will think in terms of incentives. A biologist will think in terms of evolution. By putting these disciplines together in our head,...

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People are frugal with money, but waste so much…

People are frugal with money, but waste so much…

"If each of us could have the tally of his future years set before him...how alarmed would those who saw only a few years ahead, and how carefully would they use them!" - Seneca, On the Shortness of Life     How many days do you really have left? According...

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How you get Sold: Market-Linked CDs

How you get Sold: Market-Linked CDs

<![CDATA[ We sell these things like hot cakes to people who want FDIC insurance, and no risk - Veteran Financial Advisor at Colorado Bank. You're thinking...I wouldn't fall for that...I've been with my advisor for 10+ years, and they would never... They do...I've...

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