Last year the city of Oakland launched a program called Resilient Families to provide 600 low-income families with $500 a month for 18 months without any limitations on how the money can be spent. The funding came from donations from a philanthropic partnership (Blue Meridian Partners) and the program is run by a non-profit (UpTogether).…
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If I had told you a year ago that Facebook’s stock price would drop by more than 70% in 2022, what would you have thought? That I’m crazy? Well, that’s exactly what occurred. From 2014 through 2021 an investment in Facebook (now Meta) would have cumulatively outperformed an investment in the S&P 500 by nearly…
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Over my many years as a financial planner I’ve pretty much heard it all when it comes to investment beliefs and expectations. Here are five of the more interesting investment fallacies I’ve encountered. A stock split is a buy signal (false). A stock split is nothing more than a company’s attempt to reduce the price…
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It’s open enrollment time again. Ordinarily when someone turns age 65 they should sign up for Medicare, or else risk having a late enrollment penalty applied to future premiums. But the rules are quite different for people still working. I will attempt to simplify them as briefly as possible. First, here are some basic Medicare…
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There are two ways mutual funds can be managed. Actively-managed funds are those whose management teams attempt to generate a better return than the average return produced by the asset class in which the fund invests. Passively-managed funds simply try to achieve the average return. Because active funds require more analysts and/or complex software algorithms…
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After the so-called Great Recession of 2008, the Federal Reserve (Fed) began buying up large quantities of bonds and other securities. This policy of quantitative easing (QE), as it became known, was part of the “pump priming” effort by the government to increase liquidity and stabilize the financial system in order to get the economy…
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