iPhones and Modern Life. Simpler is still Better.

As many of you know, yours truly dropped his cellphone into the Atlantic ocean recently.  All gone for the foreseeable future.  My initial thoughts & feelings.  The cost of a new iPhone is not declining.  They are not 60 inch TVs!  My new model seems to cost more than an a inflation adjustment added to …

Continue reading iPhones and Modern Life. Simpler is still Better.

Life lessons: Working after turning 50.

As a retirement planner, I hear lots of people rationalize over-spending with the following logic……..'oh, I'll just work until I am 70"........"I hate the idea of retiring, I plan to work as long as possible"........"if this doesn't work out, I'll just get a "regular" job again"...... Wow.  You'd think these people are teenagers.  These people …

Continue reading Life lessons: Working after turning 50.

Alternative Investments: Part 1 – performance is seductive but over-hyped.

Some of you know I spent 10+ years marketing Hedge Funds to institutions in addition to traditional investments.  Let me lift the curtain on what is going on at the institutional level. The biggest difference from how a retail investor approaches Hedge Funds vs an institutional investor is the fascination with performance.   To retail investors, Hedge …

Continue reading Alternative Investments: Part 1 – performance is seductive but over-hyped.

Evolution of Retail Investment Management: Automatic for the people.

Time for some reflection. Here is my broad-stroke analysis of the retail investing landscape's history. 1970s - Individual stock picks @ 4% commission per side from your broker. Ouch. 1980s - Individual mutual fund recommendations from your broker for a 5% load. 1990s - DIY fund/security selection from online trade stations. No more 5% to …

Continue reading Evolution of Retail Investment Management: Automatic for the people.