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Welcome to the 'No-Guilt' blog!
People come to here because they want to build financial confidence and take meaningful action. We provide the context for those things that affect your financial health. Our goal is to help you live in the 'No-Guilt Zone'.

Top 7 Myths About Financial Planners: Part 2

In my previous blog, we reviewed truths 1-3 to dispel the myths about “real” financial planners..  Now we’ll cover myths 4-7.
 

Myth 4: Financial planners are only for the people with lots of money. 

 

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Buy Gold for Bling - Not Your Portfolio.

Since the Great Recession began in 2008, there have been unlimited doomsday commentaries about the rise in Federal debt and the coming collapse of the U.S. dollar:

  • The U.S. budget deficit grew another $53 billion.

  • Debt as a percentage of GDP is growing.

  • The Chinese prefer gold to U.S. dollars.

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17X – Not a Fitness Program, but It's Still PE

I’m a huge fan of P90X fitness programs, but 17X is not about fitness.  It’s about the U.S. stock market.

The stock market is a forward-looking barometer and reflects the future expectations of the economy.

One of the oldest and commonly used metrics to value individual stocks and the stock market is the price-to-earnings ratio (P/E ratio).  The P/E ratio is defined and calculated as market price per share divided by annual earnings per share.

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Houdini and Your Bond Yield – The Magic of Illusion

Many years ago, one of my clients inherited a large sum of callable out of state muni bonds (munis) in an account at a large, brand-name brokerage firm.  As a resident of California, this client received none of the income tax benefits for the munis and wanted to know what to do.

After analyzing the clients situation, I determined that a diversified bond portfolio designed specifically for conservative investors and those funding near-term liabilities would be more appropriate.  The portfolio has the following three characteristics:

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VIX, Not the Cold or Flu Remedy, But a Poor Measure of Market Volatility

When you hear someone say VIX, don’t confuse it with Vick’s, the brand that brings you "The Nighttime Sniffling Sneezing Coughing Aching Stuffy Head Fever So You Can Rest Medicine.”

VIX is the CBOE Volatility Index, a popular measure of near-term volatility of S&P 500 index options. It is often referred to as the fear index and it represents one measure of the anticipated stock market volatility over the next 30-day period.

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Find your financial balance.

Our Financial Self-evaluation Tool helps you identify your financial blindspots and increase your financial power.

Download a free financial self-evaluation

 
 

Find balance in your Financial Life

Download our Financial Wheel of Life Self-Evaluation