Throwing Money AwayIndex Funds

Index Funds and Expense Ratios

We wrote that perhaps the primary advantage of investing in index funds and index ETFs is their low expenses. But there are some index funds that charge outrageously (in our opinion) high expense ratios. We don’t understand why any investor would ever invest in them. If it is because their financial advisor put them there, they need a different financial…
David A. Dubofsky
June 5, 2023

Expert Insight on Retirement Savings

Why do you think it's so hard for some people to save for retirement? There are many reasons. Some individuals are barely able to live on their after-tax income. They spend every dollar on food, shelter, transportation and other necessities. Given a choice, these individuals will almost by necessity delay saving for retirement, which may be 20, 30 or 40…
David A. Dubofsky
May 15, 2023
Man in a suit with Golden HandcuffsVesting


You don’t like your job or the company, but you need the money.  Should you go or should you stay? This question is the essence of the “Golden Handcuffs” metaphor and describes many  in these chaotic times.  The metaphor has special significance if the decision is contingent on vested benefits, and a vesting period. It’s also a significant issue for…
HSF Publishing
April 27, 2023
Financial liquidity describes the ability to buy or sell something quickly at a fair price.FinancesFinancial LiteracyLiquidity


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


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, 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


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


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

© 2021 Your Total Wealth. All Rights Reserved to HSF Publishing LLC. A Pawlak Productions site. J Drake Web Design | Disclaimer

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
This is default text for notification bar