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Introduction to Municipal Bonds

During the past quarter, three municipalities in California filed for bankruptcy protection. The City of Stockton, followed shortly by Mammoth Lakes, and most recently the city of San Bernardino. Each...

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Capital Markets Today

I had originally planned to continue writing about Municipal Bonds, but a question I was asked recently really got me thinking: with all of the scandals and problems that have come to light, can we...

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Municipal Bonds Part II

Whatever happens in Washington on the tax policy front will have a significant impact on the holders of municipal bonds (“muni bonds” or just “munis”). As I discussed in July, the benefits of owning...

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Taxes, Spending and the Federal Debt

I’ll warn you, this is kind of wonky, but it’s a national conversation that is LONG overdue. Here are two tables excerpted from a 2011 CNN poll of American voters:   Share of the Federal Budget   What...

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The Fiscal Cliff. Hype or Hysteria?

Last month I tried to show how Americans are both unclear and conflicted about what our federal government spends its revenues on and how much ought to be spent on those things. I tried to show that We...

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Dementia: More Than Just a Family Matter

According to the Alzheimer’s Association, an estimated 5.4 million Americans suffer from Alzheimer’s disease, a form of dementia. This includes 5.2 million people over age 65, most of whom are women....

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Update to Estate Planning

One of the most challenging things about estate planning since 2001 has been keeping up with the changing rules and Congress’ inability to decide on a ‘final’ estate and transfer tax regime. Well, with...

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Tax Efficient Investing, Part I

For the first time in over a decade, tax rates on income and investment gains have risen. In addition, a new Net Investment Income tax has been imposed on all investment income for taxpayers whose...

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Tax Efficient Investing, Part II

Last month I wrote about different types of investment earnings, including taxable and tax-exempt income and capital gains. This month I’ll discuss how investors can go about creating portfolios that...

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Financial Planning for the Terminally Ill

Preparing for the Worst Unfortunately, this seems to have become a theme for me lately as a colleague and a client both recently asked me to help them prepare for an imminent death in the family....

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What Does a Smoke Break Really Cost?

I was recently struck by how much money Americans spend on healthcare every year. The figure is astounding: almost 18 percent of all spending in our economy goes to health care. So I thought it might...

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Presidio Little League Season Ends

  Guy Reggev, manager/head coach of the CAPS level 2013 Home Padres, introduces his team. Chalk lines, trimmed grass, close plays, chanting teammates and cheering parents making up the sights and...

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The Value of a Financial Advisor

We Americans tend to be a very optimistic bunch. It’s part of our national character and some might even say part of our DNA. Perhaps that’s why casinos are so popular despite certain knowledge that...

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Rental Car Insurance

It’s probably safe to say that most of us have been there before. You’ve just gotten off of a long flight, and you’re ready to start your vacation. The rental car shuttle has just dropped you off at...

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The Fiscal Cliff. Hype or Hysteria?

Last month I tried to show how Americans are both unclear and conflicted about what our federal government spends its revenues on and how much ought to be spent on those things. I tried to show that We...

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Financial Fraud is on the Rise

Recently, financial companies have seen a marked increase in the incidence and sophistication of financial fraud, especially through email. Charles Schwab has informed us that industry-wide attempts at...

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Have You Reviewed Your Beneficiary Designations Lately?

When was the last time you reviewed the beneficiaries for your retirement accounts and insurance policies? When you open a retirement account or buy an insurance policy, part of the process is...

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What Happens to Your Digital Assets?

As more and more of our life moves from filing cabinets and desk drawers into “the cloud,” it is becoming more important to plan for the management of your electronic assets at death or disability....

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Extra Crispy

By now, it can’t come as a surprise to San Diegans that California is facing one of the worst droughts in recorded history, and according to one report, maybe the worst since 1580. In a recent...

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Life Insurance – What’s The Catch?

Life insurance is an important part of any financial plan. It is designed to provide financial resources for a family in the event that a member’s premature death would cause financial hardship for the...

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