Latest Articles


Culprits of the Collapse: Part 1

Monday, February 15th, 2021

CNN is now doing a series dramatically entitled “10 Most Wanted: Culprits of the Collapse.” They’ve put the CEOs of AIG and Lehman, the SEC Chairman and even Alan Greenspan on this list. We’re comprising our own list of reasons we are in this mess. One of the top reasons is that Wall Street firms […]

Health Savings Accounts (HSA) – free money?

Monday, February 1st, 2021

Many of our clients now have an option to choose a high-deductible health insurance plan paired with an HSA. To participate or not to participate? Generally, the answer is yes. HSAs have some critical differences from the flex spending accounts (FSAs) that have been around for awhile. 1) FSAs are “use it or lose it”. […]

Lend long, borrow short: Still a bad idea

Friday, January 29th, 2021

For about two years, we told clients that we were concerned about the financial markets. There were a number of “imbalances” in the system. We didn’t know when or how these would start to correct but we were confident that they would eventually have to work themselves out. We told everyone to expect bumps and […]

Yet another economic update

Friday, September 19th, 2008

Our financial markets update to clients (September 19, 2008): The usual caveats apply. Everyone’s financial situation differs. Consult your own advisor or do your own research. We have been wrong before. ——————————————————– We apologize for the barage of emails but we’ve experienced a decade’s worth of financial events in a week. We will give a […]

Home Equity Lines: Now you see them, now you don’t

Wednesday, July 23rd, 2008

We sat down with a client the other day for their annual review and noticed they had closed their home equity line of credit. It turns out that the decision to do so was more Citibank’s than theirs. Citibank unilaterally reduced their $190,000 line down to $10,000 (less than their Citibank credit card) yet kept […]

Hacked – an update

Monday, February 25th, 2008

We are still not back in Google’s good graces and we are not sure why. A hobby site my husband runs,, was hacked in the same way. That site, as well as ours, was cleaned up last weekend and also asked for forgiveness from Google at the same time. The graph for the traffic […]


Sunday, February 17th, 2008

We got hacked. The first suspicious thing happened a couple of weeks ago when we reviewed the list of search terms people had used to find our website and one phrase turned up that we knew did not appear on our site. I will not repeat it but let’s just say it is not appropriate […]

On Stock-picking and Stock-pickers

Thursday, October 25th, 2007

We are not single stock pickers, we generally do not use single stocks in our client portfolios and we base virtually all comments on a company’s SEC filings, information on Yahoo! Finance, information available on the company’s website and articles in major publications. We do not offer buy or sell recommendations. We are almost always […]

You don’t know who Paul Farmer is ?!?

Thursday, October 25th, 2007

From the archives: October 2004 Yesterday I finally had the chance to meet Paul Farmer of Partners in Health (PIH). If you haven’t heard of him, just think Mother Teresa with a Harvard MD/ Ph.D, a comfort in articulately dressing down the powers that be using Powerpoint slides, a few uncomfortable data points and a […]

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