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Financial liquidity describes the ability to buy or sell something quickly at a fair price.FinancesFinancial LiteracyLiquidity

LIQUIDITY

Financial liquidity describes the ability to buy or sell something quickly at a fair price. An illiquid asset cannot be so easily sold. For example, real estate is typically an illiquid asset. You may have to wait months to get the price you want. There are three components to the liquidity of securities in general, and stocks specifically: The first is the…
David A. Dubofsky
March 21, 2023
Annuity

ANNUITY: FOREVER MONEY, FOREVER FEELINGS

Our book is a unique merging of financial literacy with life literacy.  Here’s an example of that Yin-Yang merging, Annuity/Emotional Annuity. It reminds us that, like an ANNUITY, our emotional commitment towards others can be …forever. (more…)
HSF Publishing
February 13, 2023
Asset Allocation - Planning for long term successFinancial LiteracyFinancial Planningstocks

ASSET ALLOCATION 101

Asset allocation, at its most basic level, is deciding how to spread (allocate) the risk across your investment portfolio: stocks vs. less-risky instruments such as bonds and certificates of deposit (CDs). These decisions will be the primary determinant of your investment performance; i.e., your portfolio’s rate of return. Beyond this seemingly simple decision, you must consider how much to invest in domestic stocks, international…
David A. Dubofsky
January 13, 2023
If you (or someone you know) are having difficulty repaying a loan, consider asking for forbearance.Financial LiteracyUnderstanding Debt

Forbearance

If you (or someone you know) are having difficulty repaying a loan, consider asking for forbearance.  It will likely prove to be the best gift you receive this holiday season.  This is a concept that is rarely, if ever taught, in business school.  Many (most) college educated individuals in finance may not be familiar with it. Enjoy, and share our discussion of…
HSF Publishing
December 12, 2022
TIME-VALUE-OF-MONEYFinancial LiteracyMonetary Wealth

TIME VALUE OF MONEY

FINANCIAL LITERACY AND THE TIME VALUE OF MONEY With interest rates near 14-year highs, we should revisit the phrase, “Time is Money.” You may have even used the phrase yourself.  It has special meaning when applied to investing and financial planning.  Lyle and I are happy to present our “Time Value of Money” lesson, taken directly from  Your Total Wealth. …
David A. Dubofsky
November 15, 2022
Understanding Our Regrets Today Can Improve Our Financial TomorrowFinancial Planning

Understanding Our Regrets Today Can Improve Our Financial Tomorrow

Understanding Our Regrets Today Can Improve Our Financial Tomorrow Feelings of regret, especially about financial decisions or inaction, are universal, but it’s possible to turn them into life’s best positives. BY H. DENNIS BEAVER, ESQ. PUBLISHED 7 HOURS AGO “‘Jerry,’ my 65-year-old father, is beating himself up over failing to get out of the stock market months ago when it was so…
HSF Publishing
October 12, 2022
Blog

Five Cs of Credit

Whether you agree or disagree with President Biden’s Student Loan Forgiveness Plan, it is useful to think of it in relation to the usual ways that credit is granted, and the expected payback of loans. That is why we posted the "5 Cs of Credit," one of the 74 essential concepts in Your Total Wealth. Because financial advisors and bankers…
HSF Publishing
September 14, 2022
Confirmation-BiasBlogFinancesFinancial Literacy

CONFIRMATION BIAS: FINANCIAL ADVISORS AND INVESTORS SHOULD REMOVE THEIR BLINDERS

Confirmation Bias is the third article in our trilogy of behavioral finance biases affecting financial advisors and their clients.  Indeed… that is one of the reasons Smart People Do Stupid Things...  Feel free to download copies for yourself, your colleagues and your clients.   CONFIRMATION BIAS A BEHAVIORAL FINANCE BIAS AFFECTING ADVISORS AND THEIR CLIENTS David Dubofsky, PhD, CFA Lyle Sussman,…
HSF Publishing
August 15, 2022

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Your Total Wealth is the ideal read. It is the most unique and accessible financial advice resource I’ve ever seen and goes well beyond how to make money - Kiplinger
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