A Deeper Dive into Government SpendingBy Bob Peters || November 4, 2024An Insurance Company with an ArmyEvery citizen should understand how he/she is taxed and how our government spends those tax dollars.  As mentioned in the blog post, Historical Tax Rates,...

Historical tax rates, government expenditures and the size of the federal deficit: Why it is important to understand. Where would you cut spending? Who should pay higher taxes? Learn first.

The Haystack has the winners that you need  By Bob Peters || August 1, 2024Avoid getting poked by the needle The phrase, finding a needle in a haystack, connotates the near impossibility of finding someone or something.  When it comes to investing it may not be quite...

The same investment can either be risky or prudent depending on your time horizon. Volatility and expected future returns should align with your short, intermediate and long-term goals.

Money, up to a point, can positively impact happiness. How much is enough. This is a story that will help you think about this question.

Many folks underestimate the total cost of owning an asset after the initial purchase. Whether its a car, a home, or an “experience”, you will be well served to have a total cost of ownership mindset.

Improving your ability to make decisions that lead to your desired outcomes is worth the effort. Including probabilities into decision making increases the number of good outcomes in your life.

The Government currently gives you an investment vehicle that is second to none. If you can take advantage of an HSA you should certainly do so.

Capitalism, a Free Market and Creative DestructionBy Bob Peters || May 20, 2023The lifespan of a business is fragileWhen you invest in equity securities of businesses by buying either an individual company stock or a low cost, highly diversified Exchange Traded Fund...

Buy Now Pay Later programs should be avoided because the downside risk is greater than the short term dopamine hit of the purchased item. Just because you can, does not mean that you should.