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Does a Sand Sculpture Teach Us Anything About Financial Planning

Last week Jeff and I spent a few days at the beach in San Clemente, CA as leaders of a church youth group.  As part of the activities we brought in a friend of mine, Randy Ewing, to do a sand sculpture.  Randy is an artist and his sand sculptures are amazing.  We started early in the morning by loading 3 stacked plywood frames with packed sand.  Once the sand blocks were pre

Reactions to the Fed

Uncertainty abounds even after yesterday's Fed announcement.

The Markets Reaction to Greece and Fed Policy

Some interesting thoughts on Greece and its impact on our Fed policy.

Retirement Savings vs. College Savings

Our clients often ask if saving for their children's college education should supersede saving for their retirement.  We typically recommend retirement savings as the top priority.  As mentioned in this video, you can take out a loan for college but you can not for your retirement.

 

US Unemployment Rate Update

This week the US Unemployment rate dropped to 5.6%, the lowest level since June of 2008.  The attached chart shows the US Unemployment rate going back to the 1940's with the horizontal line of 5.8% representing the average rate over that period. As a comparison, Greece's current unemployment rate is 25.8%!

Cleveland Sports and Inflation

The Cleveland Cavaliers are looking to bring home the first professional title to the city of Cleveland since 1964 when they take on the Golden State Warriors in the NBA championship.  The last time Cleveland celebrated a professional sport's championship was in 1964 when the Browns defeated the Baltimore Colts in the NFL championship.

Rates Continue to Climb

The 10 year treasury rate continues to climb hitting the highest level since November.  Since April 17th, the rate has moved from 1.85% to 2.38%.  As rates move higher, bond prices will drop.  We continue to be very conservative in our interest rate exposure and periods like this should lead to out performance by our bond investments.

May Index Returns

Debt and Retirement - How to Handle both when Nearing Retirement

An increasing number of Americans are facing an uphill battle just trying to save enough and earn enough on their savings to be able to retire on time.

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