The US government’s officially reported debt stands at about $37 trillion, but legendary investor Rick Rule boldly asserts the real figure, including all off-balance sheet liabilities, is closer to $150 trillion. This captures not just the national debt, but also the net present value of unfunded obligations like Social Security, Medicare, and various pensions. Yes,
In my 22 years as a financial adviser, I’ve noticed something about the rhythm of life, business, and even investing: we all move through cycles. Roughly seven years at a time. Rudolf Steiner was an Austrian philosopher and social reformer who developed the idea of seven-year cycles as fundamental stages of human development, each marked
We can all do better, if we start investing according to our age. Like teaching your kids about money though, it's easier said than done. 1. Engaging Kids in Investing: Fun vs. Tax Efficiency Let’s be honest: the easiest way to get kids excited about investing is to let them buy a slice of something they
When putting money in market’s, there’s uncertainty. It’s no wonder some of us look at investing like attending a Casino. It’s at least half true – it’s a game of chance. The other half, of course, is doing everything you can to get lucky. I don’t recall watching much TV as a kid, but I
I've been providing financial advice, in some form or another for over 21 years now, and I'm just warming up! Rudolf Steiner was an influential Austrian philosopher, social reformer, and esotericist who lived from 1861 to 1925. He developed a theory of human development based on seven-year cycles, which he believed were linked to astrological
A growing number of Kiwi’s are sleep-walking into retirement poverty. The gap between our means and our needs appears to be widening with each generation. Many retirees would already struggle to live off government superannuation alone, so if you have a few years to go, now’s a good time to visit this topic. If you’re
I had a prospective client ask me when she would see a return from the cost of my financial advice. It was a brilliant question, and it caused me to think deeply about not only the value I offer, but the relationship between price and value. Sometimes value can't be measured within a specific timeframe,
Time freedom is to have complete control over one’s time. Imagine this for yourself: If you genuinely had all your cares taken care of, not just in your life but for all around you, what would you do with your time? Imagine not having to go to work and having all the resources you needed
Introducing Sounding Board Sessions: The bit you've been missing all along! Have you been wading through the infinite choices you have as a self-directed investor or homebuyer? Are you looking for a qualified third party not to tell you want to do, but to help chart your own course? Look no further! We're thrilled to
How to become wealthy? First, learn how to make money, then learn how to keep a lid on your expenses, and then invest the rest, the best you can. Can it really be this simple? Yes Spend less than you earn This principle, originating from the book "The Richest Man in Babylon," is the first
