Season Investments

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Having Your Cake & Eating It Too

In order to generate returns in excess of the risk free rate (think FDIC insured savings accounts at banks which are as close to “risk free” as you can get), one will have to take on some degree of risk, which could lead to a loss of principal. As the saying goes, “you can’t have your cake and eat it too.” Or can you? http://www.seasoninvestments.com/insights/having-your-cake-and-eating-it-too1/

The Private Equity Advantage

Over the past year, we have spent a good amount of time researching different options for our clients in the private equity space. In today’s post, we will look at private equity from a very high level to explain what it is exactly and why it might be a good addition to a well-diversified portfolio. http://www.seasoninvestments.com/insights/the-private-equity-advantage/

Going Solo(k)

If the circumstances are right, the Solo 401k can be a powerful retirement savings tool for our small business owner clients. Compared to the commonly used SEP IRA it offers far more savings capacity without any additional expense or complexity. http://www.seasoninvestments.com/insights/going-solok/

Battle of the Brain

I’m sure everyone as experienced the internal struggle between short-term pleasures and long-term benefits, which is why it is so difficult to save for retirement. Even though our long-term, logical brain understands the merits and importance of saving for retirement, it must constantly do battle with our short-term emotional brain which is hell bent on immediate gratification. http://www.seasoninvestments.com/insights/battle-of-the-brain/

Not Just Lip Service

Last week we wrote about how fees and expenses have been driven lower across our industry. Firms are being forced to consider how they get paid and what value they truly provide, which is, of course, a fantastic thing for consumers. But not all fees are created equal, and there are some costs that are still worth incurring. http://www.seasoninvestments.com/insights/not-just-lip-service/

Burning A Hole In Our Pockets

Why do we all have such an innate desire to spend money? For many of us, it is as if money literally burns a hole in their pocket as it is spent faster than it can be accumulated. The desire to spend money and acquire things comes from an innate desire to boost our self-esteem. http://www.seasoninvestments.com/insights/burning-a-hole-in-our-pockets1/

Where's the Accountability?

Last month Wells Fargo was hit with a $185 million fine by the CFBP for illegally opening upwards of 2 million fraudulent accounts for their customers over the past several years. Their response was to fire 5,300 low level employees and issue an apology, but where is the accountability for senior level management? http://www.seasoninvestments.com/insights/wheres-the-accountability/

The Most Valuable Thing Money Can Buy

The number one reason people become a slave to their jobs/career is because they lack the discipline to save money. This week's post is about a young women who bucked the trend and retired at the age of 33 to pursue her dreams of traveling the world. http://www.seasoninvestments.com/insights/the-most-valuable-thing-money-can-buy/

Ostrich Finance

In a recent study respondents were asked how they would pay for a $400 emergency. Rather surprisingly, 47% of the respondents indicated that they wouldn’t be able to cover the expense out of their savings or checking account balances. What does that say about our collective finances? http://www.seasoninvestments.com/insights/ostrich-finance/

LendIt 2016 Takeaways

Last week I attended and spoke at a breakout session for the 2016 LendIt USA conference in San Francisco. For those that don’t already know, LendIt is a two day conference centering on the rapidly growing FinTech industry. There were over 3,500 attendees all soaking up the wealth of information on "alternative financing." http://www.seasoninvestments.com/insights/lendit-2016-takeaways/

Daylight Saving Time: Why?

If you live in the United States, this past weekend you had to endure the time honored tradition of losing an hour every spring for Daylight Saving Time. In this week’s Insight we explore where DST came from and why it is still practiced in the US today. Spoiler alert…like many things in this world, it all comes down to money. http://www.seasoninvestments.com/insights/daylight-saving-time-why/

Economic Emoji

The information age affords no shortage of data and metrics for those looking to track, quantify and predict economic activity. Yet, amidst all the complicated sophistication many of the metrics that have stood the test of time and are actually the simplest. The Misery Index is a great example. http://www.seasoninvestments.com/insights/economic-emoji/

Escaping the Rat Race

Because so much emphasis is put on how to make money rather than how to keep the money you make, a lot of people fall prey to the rat race of working their entire lives but never feeling a sense of freedom to pursue their dreams and desires. http://www.seasoninvestments.com/insights/escaping-the-rat-race/

8th Wonder of the World

Unfortunately our education system and spendthrift society do a very poor job emphasizing the importance of saving at a young age in order to harness the full potential of what Albert Einstein considered to be the 8th wonder of the world. In this week’s Insight we will unpack the miracle of compound interest to hopefully encourage our readers to save early and often. http://www.seasoninvestments.com/insights/8th-wonder-of-the-world/

Life is a Voyage

Over the past six weeks we’ve been exploring the topic of risk as it pertains to our finances. Risk is an ever-present part of life, yet most people turn a blind eye to the risks they are either intentionally or unintentionally taking. In today’s post, we will recap some of the key takeaways from our series on financial risk. http://www.seasoninvestments.com/insights/life-is-a-voyage/

You Don't Always Get What You Pay For

This week we continue the discussion on risk by looking at the erosive impact that unnecessary fees and expenses can have on a person’s long-term wealth accumulation. Think of fees and expenses as reverse compounding –annualized costs might not be eye-popping at first glance, but over time their compounded effects can be substantial. http://www.seasoninvestments.com/insights/you-dont-always-get-what-you-pay-for/

Tell Your Money Where To Go

When we talk about financial risk most of our us jump straight to the potential for catastrophic events such as a stock market collapse, being laid off at work, or incurring significant medical expenses. But today we’re going to take a step back and discuss a more subversive risk that can (and does) impact nearly all of us – the risk of not saving enough money. http://www.seasoninvestments.com/insights/tell-your-money-where-to-go/

Risky Thinking

When was the last time you sat down and thought long and hard about risk? An intentional and thorough consideration of the variety of risks you’re taking in life and why. Risk is an ever-present part of nearly every area of life, and as financial market participants we know that it’s part of the equation that cannot be eliminated. http://www.seasoninvestments.com/insights/risky-thinking/

A Creative Way To Save

One of the easiest and most convenient ways to spend is by using a credit card, which ends up being the downfall of many people’s savings plans as they end up living well beyond their means. But on the flip side, credit cards can also be useful tools that actually help people reach their savings goals if utilized responsibly. http://www.seasoninvestments.com/insights/a-creative-way-to-save/

Enjoying Lower Gas Prices

The nature of our line of work is that we are in constant dialogue about economic and investment-related topics. Not surprisingly, the majority of questions and comments we've heard lately have been related to cheap gas prices, how long they will last and whether or not energy-related investments might represent a good opportunity. http://www.seasoninvestments.com/insights/enjoying-lower-gas-prices/

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