Tag Archives: money management

The Behavioral Nudge to Spend, Built Into the 2011 “Payroll Tax Holiday”

LISTEN: The Behavioral Nudge to Spend (mp3audio) (7:44 min) One of the tax changes negotiated in Congress’ closing session of 2010 was a one-year reduction in the employer’s portion of Social Security and Medicare taxes deducted from workers’ paychecks. Previously, … Continue reading

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The Best Financial Strategy: It’s All About Income

LISTEN: It’s all about Income (mp3audio) (13:11 min) So many choices, so many voices, so little clarity 21st century technology offers infinite financial possibilities. With a single click from their home computers, individuals can buy shares on a foreign exchange, … Continue reading

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Retirement Planning Should Not Be a Group Project

LISTEN: Retirement-Planning-Should-Not-Be-a-Group-Project (mp3audio) (17:17 min) “Wide diversification is only required when investors do not understand what they are doing.” – Warren Buffett “There is strength in numbers.” “Larger organizations can achieve economies of scale.” These are some of the reasons people … Continue reading

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Understanding the “Real Cost” of Financial Decisions Takes Some Imagination

One of the standard methods of assessing the desirability of a particular financial decision is to evaluate the benefits and associated costs. But what is the true cost of a financial decision? Even in the simplest transaction, the cost isn’t … Continue reading

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For Those Just Getting Started – “If I knew then what I know now…”

LISTEN: For Those Just Getting Started (mp3audio) (13:30 min) Suppose you have just secured your first “adult” job, or just gotten married, or just decided to put down your Xbox and get serious about your financial affairs. Where do you … Continue reading

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VOLATILITY UP, INVESTORS OUT (Should We Blame the Machines?)

LISTEN: VOLATILITY UP, INVESTORS OUT (mp3audio) (4:54 min) Here’s the lead sentence from a July 19, 2010 report on the stock market from BTN Research: The S&P 500 stock index fell 2.9% last Friday 7/16/10 Losing almost 3% of value … Continue reading

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SOCIAL SECURITY: You Might Still Get It –If You Live Long Enough

LISTEN: SOCIAL SECURITY: You Might Still Get It –If You Live Long Enough (mp3audio) (5:48 min) With all the political rhetoric about the economy, notice there isn’t much noise about Social Security. In the midst of the toughest economic stretch … Continue reading

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