I recently read a great book called Winning the Loser’s Game by Charles D. Ellis. In the book, he spoke out against the retail stock market investor. Retail investors are those people who aren’t professional investors. You have some other career that doesn’t involve investing and even if you’re a financial advisor, you’re most likely [...]

You’ve heard of the CARD Act, right? It’s that big piece of legislation that Congress passed that was designed to keep banks from making huge sums of money off of us. It was legislation that kept the credit card companies running scared and in large part, that hasn’t changed. As Congress and everyday consumers have [...]

Consumers have an average of $12,000 in debt according to research. That debt comes in the form of home mortgages, car loans, credit cards, student loan debt, and many other, mostly unsecured debt obligations. Recently, events in Washington, mostly thanks to the United States Federal Reserve, has caused core interest rates to fall. Are these [...]