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Gold Is Not An Investment
Before the Great Depression of 1929, the United States experienced a mini, almost forgotten depression at the tail-end of World War 1 (1920-1921). That mini depression was partly caused by the government slashing its expenses…
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The Right Way To Insure Your Life
Life is fragile; we all know that. But we get so busy with our day-to-day lives that we procrastinate and forget to do the most fundamental thing we should do to protect our families. And…
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Currency Movements Don’t Matter
Stock market composition changes by the country. The United States is tech heavy. Canada is banks heavy. Australia is commodities heavy. Emerging markets were commodities heavy a few years back. They turned tech heavy with…
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Don’t Fall For The Growth Trap
As the rest of the world lay in ruins, the United States was pretty much the only country left with production capacity intact post-World War 2. And with a lot of rebuilding that was to…
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Hardwired To Be Screwed
Gary Smith in his book, Standard Deviations talks about the evolution of peppered moths, usually found in nature as light-colored creatures. But that was not always the case. A trickle of dark-colored moths started appearing in 1848 England…
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Capital Preservation And Growth Doesn’t Exist
Stocks are volatile. And a big reason they’ll remain volatile is because of where a stock’s value comes from. The value of a stock today is the sum of all the cash flows (dividends) a…
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The Cardinal Investing Sin
Recessions are necessary to clear out the excesses. They are part of the growth cycle. They make sure that our savings get re-channeled into the right investments. They cause pain. They are supposed to cause…
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Truly Tax Free
What if there exists an account to which you contribute money to pre-tax, invest and let the money grow tax-free and then spend that money tax-free? This looks like a fantasy setup but it is…
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Stocks, Bonds, Bills & Inflation
You want to feel inflation? Try visiting a country like India every other year. I mean you are gone for a while, but you only remember the prices of the past. Then you go there…
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Nobody Wants To Get Rich Slow
My daughters each have their own investment accounts, funded with a little bit of money they receive from allowances and gifts. And regardless of how disinterested they appear or seem to appear, I talk to…