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The Yale Endowment ModelWED MAY 04, 2022
The Yale Endowment Model The Yale endowment model incorporates the mean-variance approach as described in Modern Portfolio Theory (MPT) designed by Harry Markowitz and James Tobin (Yale Investment Office, 2017). Markowitz (1952) based his theory on the idea of minimizing investment risks within t... Read More »
The Investment Management QuandaryMON MAY 02, 2022
The Investment Management Quandary “Oh, what a tangled web we weave/when we first practice to deceive.” Sir Walter Scott We are currently experiencing several risks that affect investors. The first risk is market volatility. Market volatility can disrupt an investment portfolio by the sheer natur... Read More »
The Rich FoolMON MAR 21, 2022
The Rich Fool Once there was a very wealthy man named Damien Titan who lived in the mountains of Jericho, just west of one of the largest trading centers in the modern world. Damien’s riches were obtained from his trading empire. He was very proud of his accomplishments and often boasted about ho... Read More »
Post Hoc Ergo Propter HocFRI FEB 11, 2022
Post hoc ergo propter hoc is a Latin phrase that means “after this, therefore because of this.” It is best described as a fallacious attempt to suggest a correlation between events, even when there are no facts to substantiate a causality. The rooster crows in the morning welcoming the dawn—the d... Read More »
Building a Solid Investment FoundationTHU JAN 27, 2022
Many investors believe they just need a few select mutual funds or index funds to balance out their investment portfolio. Although the right group of mutual/index funds might provide some diversification, it may not align with your personal financial needs. Investing is unique to every person bec... Read More »
The Parable of the Broken WindowFRI JAN 21, 2022
Frederic Bastiat, the Author of “Ce qu’on voit et ce qu’on ne voit pas” (“What is seen and what is unseen”), introduces us to the concept of opportunity costs with his parable of the broken window. In essence, many people only see the benefit that a broken window (destruction) adds to the economy... Read More »
Just like Life, Investing is like a Teeter-TotterTHU DEC 30, 2021
I remember as a child my friends and I would spend time occasionally at the local park on a teeter-totter, obviously not using it as it was designed but trying to knock one another off to claim victory. This game was like the king of the mountain. The winner was usually the one with the best bala... Read More »
Should I Invest In Cryptocurrencies?MON DEC 06, 2021
This question lures many people into believing they might miss out on the next evolution of a new monetary banking system, not to mention the profits realized from the numerous new startup companies selling their brand of cryptos. The temptation to invest in cryptocurrencies is very alluring. Exu... Read More »
Retirement Income Planning—Building A PensionSUN OCT 24, 2021
What happened to the good old pension plans? Robert Kiyosaki and Edward Siedle, in their book, “Who Stole My Pensions”, explain how we moved away from the defined benefits retirement plans to the current defined contributions plans in the 1970s. The passing of the Employees Retirement Income Secu... Read More »
Will The REAL EXPERT, Please Step Forward?MON AUG 30, 2021
Last year I had back surgery after putting it off for over 40 years. I injured my back in my early 20s, swinging a sledgehammer trying to bust concrete from a house. I was putting up a chain-link fence and wanted to get my post closer to the house to prevent a large opening from the house to the ... Read More »
Biblically Responsible InvestingMON AUG 30, 2021
Biblically Responsible Investing (BRI) takes Environmental, Social, and Corporate Governance (ESG), to a whole new level. Not only does BRI hold corporations to ethical standards but also ensures they are adhering to Christian values. According to BRI standards, investors cannot just leave the we... Read More »
What is the Investment Worth?FRI MAY 28, 2021
Commercial Real Estate Investing What is the Investment Worth? How do you determine if the investment, whether it is a real estate investment or business opportunity, is right for your portfolio? Is there a way to determine or calculate the maximum amount you should pay for an investment and stil... Read More »
Adding "Value" To Your BusinessTHU MAY 27, 2021
I have always been a forceful advocate of managing and running a business as if it were for sale. This philosophy sometimes places me at odds with business owners who tell me they will worry about selling their business when the time comes for them to sell. Of course, it is not the actual selling... Read More »
Small Business Exit PlanningMON MAY 24, 2021
There comes a time when you will want to either sell or pass along your business to your heirs. How do you begin the process of exiting your business? What are the steps involved? How long will it take? What resources are available to assist in this process? There are several professional adviso... Read More »
Will Money Bring Happiness?WED MAY 12, 2021
There are many books on money, finance, and happiness, I will not try to replicate these ideas. However, it is important to understand how money relates to a person’s overall well-being. Naturally, the lack of money can cause anguish, depression, and even marital problems. What about a surplus of... Read More »
Turnkey Real Estate InvestingMON MAR 08, 2021
TurnKey Real Estate Investing TurnKey Real Estate Investing is not new, but there is a resurgence of interest in this investment type, predominantly residential properties. Many real estate investors, new and old pros alike, believe this is the best way to invest in residential real estate. TurnK... Read More »
The Lucky Bat!THU MAR 04, 2021
The Lucky Bat! When I was ten years old, I remember playing Little League baseball and getting on a hitting streak that seemed never to end. I found a “lucky bat” and used it for the rest of the season. Do you think someone could convince me to use another bat after all the success... Read More »
Total Return vs. Income InvestingWED MAR 03, 2021
Total Return vs. Income Investing The idea that income investing can make your portfolio less diversified is a statement often proclaimed by many financial advisors. These advisors will point out that income investing is the same as total return investing but with less growth. The ... Read More »
Annuities Receive a Bad RapMON FEB 01, 2021
Annuities Receive a Bad Rap The financial service industry enjoys a dominant following of investors who oppose employing annuities in their investment portfolio. Unscrupulous insurance agents who sold inferior annuity products inflicted this reputation upon themselves. Insurance agents brought ab... Read More »
Stock (Equity) and Bond (Debt) ReplacementsFRI JAN 15, 2021
Financial advisors and investment managers should consider absolute returns in all market conditions, not just traditional asset classes, when building an investment portfolio for a client. Investment strategies necessitate the need to look outside the traditional stock and bond portfolios of yes... Read More »
Life Insurance Retirement Plans (LIRPs)WED DEC 09, 2020
Life Insurance Retirement Plans (LIRPs) Do you know where many affluent investors place some of their money for retirement? Well, believe it or not, they invest in whole life insurance. But, wait a minute; this is not your typical whole life policy. It is a plan which has virtually been turned up... Read More »
Men Sit Up And Take Notice—Women Have More Money And Are Better InvestorsWED DEC 09, 2020
The financial service industry is developing and changing with the economic and technological advancements permeating our culture. We are witnessing changes in the financial industry both in the United States and in other countries. Still a male-dominated industry, we may see a plethora of change... Read More »
How Strong Is Your Why?TUE SEP 15, 2020
How Strong Is Your Why? Typically, our goals and aspirations lead us to effect changes in our lives. Without a strong why these goals and aspirations are often relegated to just another unsuccessful attempt to dream beyond our capabilities or reach for an unsuitable state for which we are not mat... Read More »
Re-Defining Retirement: The Social Dynamics of Life PlanningTUE JUL 21, 2020
We think of retirement primarily as a financial issue. Nothing could be further from the truth. Retirement, as defined by the new retirement generation called the baby boomers, is much more dynamic and requires considering several aspects of life planning. This new life phase necessitates prepari... Read More »
Investing For Cash FlowMON JUN 15, 2020
If you cannot take it to McDonald's and buy a burger with it--IT IS NOT CASH FLOW! Building assets in your investment portfolio is not a bad thing, but it should not be your primary goal. Building assets for future appreciation is an excellent goal once your cash flow investments are set in place... Read More »

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