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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'.

What in the U.S. is going on?

The U.S. stock market is having its worst showing in years. It seems that nearly anytime the market declines a few days in a row, we hear someone proclaiming the bear is coming – the bear market that is.

With several days of sharp declines, the number one question on your mind right now is likely, “William, should we view this as a short-term correction or a sign that a bear market is just around the corner?”

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When the Fed Strikes Back…Yield, Don’t Stop!

It’s hard for many to believe that the economic recovery is now over six years old.  GDP is steadily improving. And, the Bureau of Economic Analysis reports that our economy is larger than it has ever been.

When we look at the economy from an investor's perspective only two things come to mind: stocks and interest rates.

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The Lucky and the Rare...Which is Which?

During extended bull markets (e.g., 1987-2000 and 2009-date), money managers appear to make money hand over fist.  Even average “do-it-yourself” investors can do well.  These types of bull markets support the adage that a rising tide lifts all boats.

However, as Warren Buffet wrote in 2001, ”…you only find out who is swimming naked when the tide goes out.”

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Mr. Bubble or the US Stock Market

The continued annual rise of the Dow Jones Industrial Average, S&P 500 Index and NASDAQ highlights the dynamic nature of the U.S. economy.  The U.S. market goes from near collapse in 2008 to record highs in 2015.

People are in disbelief about the ascent of the stock market.  And, this leads us to the key question: Are we in bubble territory?

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Bulls and Bubbles and Records…Oh My

Several times a week for the last three or four years, I’ve heard too many people commenting that we’re in a market bubble and headed for a correction.

While I agree there will be a market correction at some point—just like there have been for hundreds of years, no one knows for sure when it’s going to happen.

For anyone who listened to the naysayers’ rantings about a bubble and pulled money out of the markets, they’ve missed out on one of the greatest bull markets in U.S. history.

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