Having high cost debt is enough to financially cripple anybody. Sure, you'd like to upgrade from the iPhone 5 to the new iPhone 6 Plus, but do you need it? Probably not. I'd enjoy Met season tickets, but do I need them? Not in the slightest. In addition to not needing...
Playing By the Rules
I read a really good post today written by Greg Harmon of Dragonfly Capital Management. It reminded me of something we say repeatedly on our podcasts, videos and posts: When the charts change, we will change. Greg's post is all about the investing process. No matter...
BusinessInsider Worries About A “China Stock Market Crash”
This morning (December 9, 2014) BusinessInsider Worries About A China Stock Market Crash today. Should we be concerned? The poor writers at Business Insider. They worry so much about things they have no control over. Yes, China is down roughly 5% in overnight...
Free Trading: A Greater Temptation to Overtrade?
A trend that's been taking place for years now is lower overall costs for investors. This is a great thing. Whether we're talking about lower trading commissions at discount brokers or lower cost funds like ETF's, this is generally good news for investors. In fact, we...
Mutual Fund A Shares: On Their Way Out?
In the last week or so, I've read several articles about the downfall of A share mutual funds. If you don't know what an A share mutual fund is, Tom and I have discussed A, B, and C share mutual funds in a previous podcast that you can check out here:...
Turn of Year Stock Market Seasonality Model
Last week, Tom and I discussed stock market seasonality on our weekly podcast, which you can find here: https://mullooly.net/stock-market-seasonality/7785 We've found that stock market seasonality studies are extremely interesting and useful, however they're no...
There’s No Such Thing as a Free Lunch
You've likely heard this saying before as it applies to many different situations in life. Today I want to focus on a quite literal application of the phrase. FINRA publishes a section on their site devoted to investor safety called Protect Yourself. In September they...
Millennials and Retirement Saving
As part of the generation referred to as "millennials" I'm used to reading opinion pieces about what other people think of us. Sometimes I agree with their opinions, other times I don't. Today I read an article that I agree with 100%. It was written by Patrick...

Historical Halloween Returns
After the month we've experienced here in October 2014, I cannot believe I'm writing that we may see the S&P 500 extend its streak of new monthly all-time highs. Currently (through September 2014) the S&P 500 has reached a new all-time high in 15 straight...
Savers Still Heavily in Cash
In August of this year, BlackRock did a survey of 4,000 Americans. One of the most interesting things they discovered was surprising to me. According to their survey: "As was true in our 2013 survey, "cash remains king" with almost two-thirds (63%) of all savings and...