Thoughts From the Finance Factory

What’s “Enough” For Retirement?

Financial Planning as a profession is really good at making all sorts of rules around how much you should save, what you spend, and what kinds of risks you should take with your financial assets. I think the rules are good as a general guide but that every client’s situations are unique.


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I Hate Myself and Time Warner Cable

Hate is probably too strong of a word for the title. I am so mad at myself. I am usually pretty good at making sure I get a fair deal and don’t often get taken advantage of. But I feel used. Time Warner Cable has been charging me $8 a month for a modem that they installed in my house 7 years ago and I just found out yesterday when that modem finally died!!!!!


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What Does Retirement Look Like For You?

April’s blog posts here at The Factory are going to center around retirement and retirement planning. I often wonder about what retirement will look like. I am not even sure if I will even want to retire. I know it is an important goal for most people. I love what I do and am excited to work every day and as long is that is the case I don’t think I will ever want to stop helping people.


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4 Things To Do With Your Tax Refund!

Financial Planning as a profession is really good at making all sorts of rules around how much you should save, what you spend, and what kinds of risks you should take with your financial assets. I think the rules are good as a general guide but that every client’s situations are unique.


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Is It Your Favorite Time Of Year?

Once again it is everyone’s favorite time of year (TIC) and no I’m not referring to spring.

I’m talking about TAX time. April 15 will be here before you know it and in all my years of advising clients I am amazed that every year I have at least one client that has a nasty tax surprise (i.e. they owe Uncle Sam and the IRS a significant amount of money). Also just for clarification the only people who like tax time are the IRS, the Treasury, and CPAs. In other words the people all of us taxpayers pay.


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If I had a $1,000,000

Everyone over the age of 22 knows the hit song by the Barenaked Ladies. In the song they discuss all the things they would buy with a $1,000,000. Most of it is goofy stuff like a llama or an emu, Dijon ketchups, and a tree fort in the yard. I was in the car with my kids the other day and the song came on the radio and my 11 year old daughter said I love this song. I asked her where she heard it and she said I listen to it from the iTunes library. (Note to self be careful what you download into the iTunes library!)


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Do I Have Writer’s Block?

So it has been a little bit since I have put out a blog post and it feels like I am suffering from writers block. I’m not really sure if it is writers block but it sounds good, so I’m gonna go with it. I am sure it is not traditional writers block since I am a financial advisor that writes not a writer first and foremost. I have heard that musicians suffer from it regularly. John Reznik of the band Goo Goo Dolls suffered from a severe case of writers block after writing the hit song Name. The next hit he was able to write was a little song called Iris. He wrote it in a day and after 3 years of not being able to write anything he was able to pen this amazing spell binding ballad. It spent 18 weeks at #1 on the charts in 1998. It went on to be ranked the 39th Greatest Pop Song of all-time as ranked by Rolling Stone.


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My Goals For 2015!

I am a regular reader of financial advisor Josh Brown’s blog The Reformed Broker. You might find it a little strange to plug another financial advisor on a blog but I was so inspired by his post on January 4th that I had to write about it.


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New Year, New You!

So the calendar has turned and I can’t believe it is 2015. Time really does fly! It is pretty unbelievable that January is already here again. With that in mind I want to share 3 simple ideas to improve your financial life in 2015.


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