Blog

Ignore Most Financial Advice and You’ll Keep More Money

Nov 14, 2018Tomas McFie

Imagine you are earning a 5% rate of return on an investment where you contribute $1,000 a month over a thirty-year period of time.  After you pay your 0.5% management fee you’ve lost 9.02% of your earnings even though you only paid 5.63% of your earnings towards the management fee.  If your management fee was …

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Your Retirement Plan Is Getting Shoved Around again, but here is How You Can Prevent It

Nov 7, 2018Tomas McFie

The Federal Reserve is at it again.  Raising interest rates, as if they have some crystal ball that tells them what only God could know, what is a fair and authentic interest rate. Here’s the crux of the matter.  The U.S. monetary system depends on deposits, loans, and interest to fuel it.  If the Fed …

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Tu plan de retiro esta en riesgo de verse afectado una vez más, pero aquí te decimos como puedes prevenirlo.

Nov 7, 2018Tomas McFie Translated by: Luis Uribe

La Reserva Federal está en lo suyo una vez más. Aumentando las tasas de interés, como si tuvieran una bola de cristal que les diera la respuesta a cuál es la tasa de interés más justa y autentica, pretendiendo saber solo lo que Dios puede saber. Este es el meollo del asunto. El sistema monetario …

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Your Financial Security and Sustainability Depend Upon This!

Oct 31, 2018Tomas McFie

Things can get spooky in life…and not just on Halloween. Both Michele and I were raised in Oregon.  Five of our children were born in Oregon. We have extended family that live in Oregon.  So, why did we choose to leave Oregon and move to Nevada? Oregon has become the second most expensive state in …

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Your # 1 Threat to Building Sustainable Wealth

Oct 24, 2018Tomas McFie

It’s no secret that your odds of becoming part of the wealthiest 1% in the world is reasonably achievable, as one in nine Americans accomplishes that every year.[i]   However, you have less than a 2% chance of remaining in that top 1% tier for more than 5 years and less than a 1% chance of …

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Annual Returns… The Trickiest Illusion of All

Oct 19, 2018Ben McFie

The biggest financial fear many people have is that they will run out of money.[i] Not only are returns shabby, at best, but human lifespan has gradually been rising. This is not a good recipe for being able to retire care free on the money you’ve put away during your career. But even with what …

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How to Protect Your Gains

Oct 17, 2018Tomas McFie

Ouch!  The market had a hiccup last week giving up nearly all the gains it attained over the summer. Now, maybe you don’t have enough in the market to worry about that hiccup or maybe you have enough invested that you now feel you need to hold on until this market recovers and you regain …

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A Tale of Two Policies

Oct 10, 2018Tomas McFie

Charles Dickens begins A Tale of Two Cities, with the following words. “It was the best of times, it was the worst of times, it was the age of wisdom, it was the age of foolishness, it was the epoch of belief, it was the epoch of incredulity, it was the season of Light, it was the season of Darkness, it was the spring of hope, it was the winter of despair…” And …

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Overcoming the Cost of College

Oct 3, 2018Tomas McFie

The cost of college is rapidly growing.  According to Forbes, the “price of college is increasing almost 8 times faster than wages.”[i]  And to make matters worse, educational loans have become the largest block of debt, behind housing, that exists in American today. Statistics gathered by the College Board,[ii] show that the average debt assumed …

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You could be losing over $70k while earning a 6% average ROR!

Sep 26, 2018Tomas McFie

It’s not that you can’t earn a higher rate of return or that you can’t defer taxes and pay them later.  In fact, it’s not even about market risk or how much you make.  It’s all about the fact that YOU Deserve Better! You’ve been told you can earn a 6.47% rate of return on …

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