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06
Jun 2017

Irrational Investing

By Harrison Lazarus Advisors, Inc.



Humans are innately emotional — and yes sometimes irrational  - creatures. Of course, there are appropriate times to be ruled by emotions (weddings, birth of a child, etc.) but becoming too emotionally involved with your investments, or letting fear dictate when you jump in or out of the markets, can have dire consequences for your long-term portfolio, as you’ll see in this month’s newsletter. Adhering to a sound financial plan, no matter what is going on in the markets, gives you a much better chance at a successful future. ..

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16
May 2017

Avoid Financial Mishaps Before They Happen

By Harrison Lazarus Advisors, Inc.


“Experience is simply the name we give our mistakes.” ~ Oscar Wilde

We all make mistakes; that is a fact of life. But wouldn’t it be nice to avoid financial missteps before they happen? This short, poignant video explores investors’ often-avoidable mistakes and why it is so important to make sure emotions don’t get in the way of our long-term plans. Because good (or bad) money habits can filter down to the next generation, this article offers ways to introduce money topics to kids at an early age, encouraging smart financial choices that last a lifetime. And to help ensure fewer financial mistakes in the future, here’s some priceless advice from Warren Buffett, arguably one of the most successful investors in the world. We talk a lot about the importance of financial goals, saving and investing, but what about the intangible value of family? This last article explores how your family’s “Human Capital” could be the most important aspect of your wealth plan. 
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27
Apr 2017

Take Time to Be Mindful While Investing And Safeguarding Assets

By Harrison Lazarus Advisors, Inc.


Imagine eating the same thing every day for breakfast, lunch and dinner. (Sounds awful, unless you’re a toddler.) Your diet is much like your portfolio — you need some variety. The “Skittles Chart” below shows the power of diversification and how having a balanced, globally-diversified portfolio can help you stay on track toward your goals. We talk a lot about taking a long-term view with investing, but how long is long term? While five years may seem like a long time in politics, sports and education, five years in the stock market is considered short-term investing as the article below details. We also look at how to protect your older parents or loved ones from financial fraud by having thoughtful conversations about safeguarding their assets. Finally, do you keep track of little daily expenditures? It’s shocking to see how the “little things” in life can add up! See how you can give yourself a raise by being more mindful of your “Latte Factor.”   ..

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17
Mar 2017

Manage Your Finances And Avoid These Seven Money Mistakes

By Harrison Lazarus Advisors, Inc.


There’s an old saying: Nothing good happens quickly. While this may not be the case in all situations, it may apply to investing. As the “Time in the Market Matters” chart below shows, the annual range of returns even for a globally-diversified portfolio, can be quite large. However, the longer you hold the portfolio, the narrower that range of outcomes becomes — a potential benefit for long-term investors. And if you’re looking for ways to more effectively manage your finances, start by avoiding the seven money mistakes in the article below. Because making decisions involves both logic and emotions, understanding one important academic concept, “status quo bias,” as described in the link below, may help us make better, less emotional decisions, especially when it comes to investing. Finally, if you’re trying to decide whether to move or remodel your house, the article below helps weigh what’s truly important to you (an extra bedroom? unique design? wonderful neighbors?) with what you can comfortably afford to spend. ..

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10
Feb 2017

Stock Market High, Piles Of Paperwork And It's Never Too Late

By Harrison Lazarus Advisors, Inc.


The Dow hit 20,000! With many sectors of the stock market at all-time highs, some investors are worrying about whether the stock market is due for a decline. The chart below shows that stock market highs don’t necessarily mean big declines. If you find yourself surrounded by piles of paperwork (or disorganized electronic statements) you may find this article about organizing your financial documents helpful, especially as you prepare for tax season. There is more than one way to save for your children or grandchildren to go college, and some accounts give you a tax break at the same time. It’s never too early to start saving, as college costs continue to rise. It’s never too late to make new resolutions. You may like these ideas for resolutions that help give a boost to your finances this year. ..

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02
Feb 2017

2016 Q4 Quarter-In-Review

By Harrison Lazarus Advisors, Inc.

Please view the most recent quarterly investment review webinar that focuses on reviewing events that have influenced global markets at: ..

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20
Jan 2017

A New Year Of Opportunities To Accomplish Great Things

By Harrison Lazarus Advisors, Inc.


Happy New Year! A new year provides us with an opportunity to reflect on our accomplishments (and any missteps) and resolve to start afresh. Whether you make New Year’s resolutions or not, here is one resolution worth keeping: Never chase returns. This article from Morningstar shows how investors who chase performance as the market moves up and down often end up underperforming for the long term. Your comfort with risk is an important consideration in your plan, and the “Rebalancing Matters” chart will show you how rebalancing your portfolio — which we regularly do for you — can help keep your investments at your desired risk level.

We have all probably experienced the frustration of home internet connections not working properly. Instead of waiting for sub-par solutions from your provider, take matters into your own hands with these smart tips to speed up your service. And in case you’re all out of inspirational New Year’s resolutions for 2017, I’ve included a link to 12 poignant and motivating videos that I hope will spur you to accomplish great things this year. ..

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24
Dec 2016

Good Cheer, Good Will, Eight Tax Tips and Staying Invested

By Harrison Lazarus Advisors, Inc.


After a long election season, the holidays are officially here, a reminder of what matters most in life: gratitude and family and friends. I hope you are enjoying twinkling lights and festive cheer and not worrying about organizing your tax information for this year. But just in case, here are eight handy year-end tax tips to help optimize your finances (and I’d be happy to talk about any of these further with you). Stock picking and chasing returns may soon be out of fashion, according to this Wall Street Journal article. Committing to staying invested and focusing on long-term goals seem to be the new trends. This is good news, since you don’t want to rely on things like the Santa Claus Rally or the Boston Snow Indicator (or polling by cable news networks as we saw recently) to predict the direction of the markets. Our advice? Better to believe in Santa than unreliable prognostications.   

Finally, here’s a great way to share good cheer and good will with your children or grandchildren this season. Encouraging them to make another person’s day brighter through volunteering and other charitable activities will help the entire family enjoy the true spirit of the season. 

I wish you and your loved ones a happy and joyous holiday season! ..

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19
Nov 2016

A Time Of Reflection And Thanks

By Harrison Lazarus Advisors, Inc.


Fall is in full swing-changing leaves, crisp air, and thoughts of Thanksgiving Dinner. As life moves into the slower pace of Fall, I find time to be appreciative of so many things. Topping the list is my family, friends and clients. This venue gives me the opportunity to express my thanks to you, my clients, for allowing me to work with you. I am so fortunate to love my line of work, but without you I would not be able to make it my career. Thank you! I am also thankful that you, my clients, understand that taking care of your finances so that they can take care of you is valuable to your health and happiness.

You may be thankful that you have adopted a long-term investing perspective when you see the chart below. It shows how missing out even on a few days in the market, while you wait on the sidelines for a “safer” time to invest, can potentially derail your most important goals. Even the best financial plans can be compromised by illogical investor behavior. By recognizing potentially detrimental patterns and correcting them before they impact your portfolio, you enjoy a better chance of achieving your goals. Trying to understand all the requirements and choices for Medicare can be daunting at best. The article below will help shed some light on an important topic. And speaking of being thankful, I’ve included a great how-to guide to creating the perfect thank-you note for any occasion.  ..

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14
Oct 2016

October Is Ghosts, Goblins, Passive Investing Versus Active Investing And More

By Harrison Lazarus Advisors, Inc.


October is here and that means it’s time for jack-o’-lanterns, ghosts and goblins. But what might really scare you is the chart below, illustrating how very few active managers actually outperform their indexes. (This is precisely why we use an Asset Class investing approach instead of active management.) If you’re a football fan you’ll love this analogy: Passive investing is like owning the entire NFL, while active investing tries to predict which team will win the Super Bowl. Next, we look at how you can increase the chances that your children and grandchildren can have better financial futures by teaching them these five vital money management lessons. And if you’re looking for something thrilling and fun this Halloween, try one of these 10 hauntingly humorous movies for a good scare and some laughs. ..

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