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Category Archives: Advisor entries

What does the government shutdown mean today?

The failure in Washington is disappointing, if not a surprise. However, history tells us it is not necessarily a bad thing for investors. The 16 government shutdowns over the past 37 years, which have ranged from one to 21 days, have not been particularly negative for stock market investors, averaging only 2% decline for the S&P 500. More importantly, from a longer-term perspective, they preceded above-average returns. The S&P 500 Index has risen…

How we ought to think about the government shutdown

Some Perspective on the Stock Market and Volatility

Michael BooneIn our experience, people tend to look at the stock market in one of two ways.  Most people see the market like this, and they are absolutely correct ………….

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Happy Independence Day: Quoting our Founding Fathers

Some foundational quotes from the Great Fathers of our nation.  Many of the ideas that we espouse, aspire to, attack and fall short in reaching today are already evident at the beginning.  Celebrate our freedom and independence this weekend and have a great holiday!

When in the Course of human events it becomes necessary for one people to dissolve the political bands which have connected them with another and to assume among the powers of the earth ……


Why do Houses Cost So Much?

This is an article from the Seattle Times discussing one of the reasons why housing prices are so high. To see this article, please click on the link below:


FDIC Insurance up to $2 million

LPL Insured Cash Account Program – FDIC insurance up to $2 million for joint account holders 

With the recent financial debacle, you may be asking “Is my “safe” money safe?” Where do you save or invest money for liquidity and security?  Many people would reply they use savings accounts, money market accounts and certificate of deposit (CDs) for these purposes.  But is the money truly safe? 


Keep Investing: Bad Markets are Better for Investors

There are some very basic things about investing that few people ever seem to fully grasp.  The most obvious is that investing at low prices is better than investing at high prices.  I should be able to end this piece here and let you figure out the implications, but since they seem so little understood I feel compelled to explain some.


Celebrity Money Advice

Michael W. Boone, CFP, CFACelebrities are usually just a little below gambling winners on the “Who you should not take financial advice from” scale.  But like all of us, they get older and sometimes even wiser.  Money Magazine ran a piece recently featuring answers to questions about money from famous people who are not so young any more.  Here is a sampling of their views on money:


Social Security Facts and Figures

The first beneficiary of Social Security was Ida May Fuller in 1940.  Though she had only paid in a total of $24.75 over three years of taxes, her first monthly retirement benefit check was $22.74.  Over Ida’s lifetime she received income of almost $23,000, an amount approaching 1,000 times what she put in.


Past Real Estate Downturns

Michael W. Boone, CFP, CFAThe mortgage insurance company, PMI Inc. did a study of real estate booms and busts in the past to see how long some previous downturns have lasted.  They looked at three boom markets: Houston in the ‘80s and Los Angeles, and Boston in the‘90s.  Here is what they discovered.


My Dreams: What do they Cost?

Michael W. Boone, CFP, CFASometimes money costs too much. – Ralph Waldo Emerson

There are so many parts of my work that I like that it is hard to pick one favorite.  One of the consistently most interesting parts is the interplay between our values and our money.  What will we give up for money, and what truly is priceless?