At a training Prudent Investors Network (PIN) provided for the California State Association of Public Administrators, Public Guardians and Public Conservators (CAPAPGPC) I shared the fact that as a youth I did not think about laws. That changed only when I was 17 and was stopped by a policeman for being a passenger on a… Read More
Aside from December, October is the only month that can create the type of giddy anticipation we see in children. It is exciting and maddening to have to wait until the very last day of the month to celebrate Halloween. Add to that the scary and the sweet aspects of this holiday, and it is… Read More
When investing, human nature tends to split people between two extremes: Most are so risk averse they crowd into risk-free, guaranteed instruments (such as bank CDs, fixed annuities, money market accounts, etc.). In keeping with the law of supply and demand, with demand so high, the cost of such instruments will be high – that… Read More
Just as it is important to see a doctor for an annual physical to check our cholesterol levels, it’s important to conduct an annual fiscal review to keep our financial obligations in check. There has been much said this summer about the United States’ inability to pay its debts. It may be easy to criticize state… Read More