January 2018 Nine Experts, Four Surprises, and One Million Dollar Bet In 2017, we were again reminded of the importance of following an investment approach based on discipline and diversification vs. prediction and timing. As we gear up for the new year, we can look at several examples during 2017 that provide perspective on what guidance investors may want to follow, or not follow, in order to achieve the long-term return the...

What is a Cryptocurrency? A cryptocurrency is a digital or virtual currency that uses cryptography for security. A cryptocurrency is difficult to counterfeit because of this security feature. A defining feature of a cryptocurrency, and arguably its most endearing allure, is its organic nature; it is not issued by any central authority, rendering it theoretically immune to government interference or manipulation. Read more: Cryptocurrency Definition | Investopedia https://www.investopedia.com/terms/c/cryptocurrency.asp#ixzz53upjIFMb To Bit or Not to Bit_...

One Last Look at the 2017 Bond & Stock Markets Before we proceed full tilt into 2018, let’s take one last look at last year’s heady, mostly double-digit 2017 stock market returns, as shared in Dimensional Fund Advisor’s 2017 Market Review. How best to view the largely fair-weather market performances of late? Your investment experience is like a cross-continental trek. You get to define your desired destination – although, as in real...

Hunches, Headlines and Indicators - 2017 Market Performance It’s a wrap! 2017 market performance numbers are now available for the fourth quarter and the year. And, wow, what a year it was. The Wall Street Journal called it “The Year Everything Went Up.” In a Bloomberg column, Barry Ritholtz declared it “A Very Weird Year in Markets.” The New York Times reflected on how wrong most expert predictions were – as...

Happy New Year to our readers. I hope you all had a joyful holiday. Today’s 3 Things post features inspirational articles and images that caught my eye over the past week. Here’s to a happy, healthy and prosperous 2018 for you and your families. Bill Gates inspires me with his thirst for knowledge and his focus on philanthropy...

Here is a copy of a letter we sent to our SageBroadview clients: Year-End Reflections on the New Tax Law Dear SageBroadview Clients and Friends: We interrupt your busy holiday season with a reach-out on this week’s U.S. tax code overhaul. While the ink still dries on this sweeping new legislation, you may be wondering whether there are ways you can or should spring into action immediately, before year-end, to reposition yourself for...

  Trying to find a gift for a young reader, or an older reader who loves children’s books? Check out this article for the illustrations alone. Simply gorgeous. The 7 Loveliest Children’s Books of 2017 (Brain Pickings) Profound and poetic illustrated celebrations of solitude, self-possession, friendship, and our place in the cosmos. Trying to find a gift for a science enthusiast? “…what all great science books accomplish, whether they do so from the...

Being smart about charitable giving  1.   As Barry Ritholz notes in this oldie but goodie -- “giving to charity is personally fulfilling and it helps those in need, but some charities are better than others in channeling donations to where they are most needed.” Find out how to do your homework before you give.  Be Smart About Charity (Bloomberg View, 12/4/2014)  +   GiveWell is a nonprofit dedicated to finding outstanding giving opportunities through in-depth analysis. Thousands of hours...