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Investing in Gold
There are two schools of thought on investing in gold. Those who like the idea say that it is a hedge against inflation, a safe haven in a calamitous world and that it offers protection against a weakening dollar. The most famous advocate against investing in gold is Warren Buffett. His basic grievance is that […]
Donor-Advised Funds
Donor-Advised Funds, or DAFs, are merely a tax-efficient way to make charitable contributions. They work pretty simply. You make a contribution to a DAF and they distribute it to a qualified charity. You can advise them on how much to give to each charity. (Strictly speaking, DAFs do not have to heed your advice, but […]
Yield Curves
Yield curves are simply graphs of the interest rates of bonds with different maturities versus time. A commonly cited example is the yield curve for U.S. government securities. The rate for 3-month, 2-year, 5-year, 10-year and 30-year treasury securities are plotted on the vertical axis and the maturity period is graphed on the horizontal axis. […]
Another Reason to Eliminate Credit Card Debt
You might have heard that the Federal Reserve raised the federal funds interest rate another 0.25% recently. That puts this rate at 2.0%. (It is expected to rise to 2.5% by the end of the year and to 3.5% by 2020.) As the Fed rate increases, so does the prime rate that banks use for […]
Inflation
I’m pretty sure every reader has a pretty good understanding of inflation. In general terms, things cost more as inflation rises so that a fixed amount of money buys fewer things. And from an investment point of view, a portfolio worth a certain amount of money will buy less as inflation rises. Inflation is measured […]
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 […]