• investing

    The Unlucky Long Term Investor Still Makes Money

    It’s sometimes hard to be a long term investor. The stock market moves up slowly but can drop quickly. The pain of loss has more impact than the elation of gain. Right now, we’re in a spot where a long term investor has had a great run. Those who entered the market after the crash of 2008 have seen great returns without any huge pauses. That’s why days when the market drops a few % feel so foreign and scary. However, the long term investor must be aware that things can and likely will get worse. It might not happen this week or this year but eventually, this bull run…

  • M1

    My Thoughts on M1 Finance

    [This article about M1 Finance may contain affiliate links at no cost to you] I recently opened an M1 Finance account. I mentioned it in one of my portfolio updates but I think it’s time to talk about it in more detail because I’m enjoying what the platform offers. There’s a lot of new automated investing platforms like M1. These seem to be the rage these days as people search for an easy, cost effective way to invest. I’ve been on the verge of trying one of these but always stepped because because of one reason or another. As an investor, I had a list of things I wanted my…

  • The story behind Health Savings Accounts

    We’re back with another round of yearly open enrollments, benefit choices and premium increases and I thought it’d be a good time to talk about Health Savings Accounts(HSA), an underutilized tool when it comes to saving for you retirement(early or otherwise). An HSA is the most tax-advantaged account available to most investors and has many benefits that make it very attractive to most individuals. However, it is not one that’s commonly discussed in the same areas as IRAs or 401k and that’s a shame because HSAs are probably the best of breed when it comes to retirement savings accounts. The Basics HSAs came into being with the 2003 medicare reform…