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Appreciate Finance Blog

We We Diversify

We We Diversify

Protecting against the downside is the first step in investing. Ownership of multiple securities lowers portfolio risk because of the smoothing effect of stock prices moving up and down at different times. Because we cannot predict the future, we should plan our...

Keep Cash on Hand

Keep Cash on Hand

As Warren Buffet says, “In order to succeed, you must first survive”. Read more to understand why it is so important to keep cash on hand, even when it can put a drag on your portfolio.  

Digital Assets for your Estate Plan

Digital Assets for your Estate Plan

You may have an estate plan, but does it account for your digital assets? Many of us today manage a complex web of digital assets from our Linked In accounts to our photos, music blogs, Facebook site and more. What happens to those after we pass away? Learn more in...

Annual college savings plan survey

Annual college savings plan survey

Morningstar has come out with their annual survey of college savings 529 plans. One surprise is that the California plan has just been upgraded-- too bad the recent proposed California Tax Break on that plan did not get passed in legislation. Read on for more news....

Only 20% of Americans max out 401k/Retirement plan

Only 20% of Americans max out 401k/Retirement plan

An interesting new retirement report by TD Ameritrade reveals some key facts, among them: Only one in 5 Americans maxes out consistently their 401k/retirement plan; and, Most folks would rather spend less in retirement than less now.

Socially Responsible Investing

Socially Responsible Investing

It’s been a long time coming, but as per studies cited in this article, there is no longer a penalty for investing in socially responsible funds. In other words, you aren't necessarily going to get lower returns for making this choice. 

Thinking about refinancing?

Thinking about refinancing?

Interest rates are low again, just when we thought they could not get lower. You might want to think about refinancing now.