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The Bitcoin Bubble
If I say the 2000 dot-com bubble or the 2007 housing bubble, you immediately have a pretty good idea what a bubble is. Basically it’s when the price of some asset strongly exceeds the asset’s intrinsic value. The first recorded asset bubble occurred in the 1600s when the price of Dutch tulip bulbs went through […]
2018 Financial Resolutions
Happy New Year! As we welcome in 2018, we might want to set a couple of financial resolutions so that we have plenty of time to realize our goals. Typically, people have similar resolutions in mind. Common ones are increasing your 401(k), preparing a spending plan, reviewing the new tax rules, increasing your emergency fund, […]
12 Tips for New Graduates – Part 2
Last month we discussed the first six of twelve financial tips for new graduates. If you missed that post, please check it out. These tips were developed through our interactions with CSU students who come in to establish a financial vision and to jumpstart their savings program. This month we’ll go over tips seven through […]
12 Tips for New Graduates
Being located in Fort Collins, near CSU, we see quite a few new graduates who come in to talk about their financial future. This is so outstanding! It helps them develop a vision of where they want to go financially (which enables many other goals). It also puts time on their side in terms of […]
Financial Spring Cleaning
The weather is turning warmer and we look forward to a beautiful spring. But first, perhaps some “financial spring cleaning” would help you enjoy the summer a bit more. While this task may not be the most exciting, it usually is rewarding in the end. This spring, while you’re tidying up your home, consider getting […]
Are ETFs or ETNs Right for You?
What is an ETF? An ETF is an Exchange Traded Fund. ETFs are similar in many ways to traditional mutual funds, except that shares in an ETF can be bought and sold throughout the day like stocks on a stock exchange through a broker-dealer. An ETF holds assets such as stocks, commodities or bonds. It […]
Financial Planning Resolutions
Well, we’re one month into 2017. If you haven’t made any financial resolutions yet, now is a great time to review your financial scorecard for last year and then look for ways to improve in 2017. Here are some financial goals you could take in to consideration this year. Calculate Your Net Worth If you […]
Financial Travel Tips
Do you have travel plans for 2017? If so, there are a few things that will make the financial aspects of your trip easier. (By the way, I was reminded of some of these things as I prepared for my trip to Japan a few weeks ago!) Set Your Budget We all like to cut […]
Budgeting for the Holidays
It’s that time of year for giving gifts, entertaining, hosting holiday parties and for many, overspending and financial stress. Setting a realistic holiday budget and making sure to stick to it are the first steps to a more affordable and less stressful season. The tips below will allow you to enjoy the season without letting […]
Should I Refinance My Home?
The 30-year fixed-rate mortgage dipped below 3.5% a couple of days ago. (The 30-year rate has been gradually decreasing over the last year and the 15-year rate has been fairly flat in 2016.) So, this might be a good time to ask, “Should I refinance my mortgage?” If the current interest rate is lower than […]