Financial Success For New Grads

If you need a reminder for how fast time flies, consider that high schoolers graduating this year were born in the year 2000! This hits particularly close to home for me, as my oldest is headed off to Texas A&M University next fall (Whoop!). I will soon share with him my piece from last year, Personal Finance 101 for College Freshmen.

This year’s college graduates are the last of the Millennials (those born between 1980-1995), a generation known for their social responsibility and the value they place on life experiences over material wealth, and also for being more risk averse than their parents.[i] Who can blame them though, given all they have lived through?

Happy Earth Day: Now Pick a Side?

This Sunday is Earth Day.

These days, environmental causes have become polarizing issues that are frequently exploited and oversimplified to win political points. While we may not all agree as to what problems should be the highest priorities, we virtually all prefer that our air and water be clean and that animals like rhinos, whooping cranes, and even blind salamanders are around for our grandkids to see. We also generally agree that making money is a good thing.

Earth Day was first observed in 1970, also the year that saw the creation of the US Environmental Protection Agency, and the passage of the Clean Air, Clean Water, and Endangered Species Acts. What may be most surprising to many is that these pieces of legislation were not always as divisive as they appear today. For example, the Clean Air Act passed the Senate without a single nay vote, and while the Democrats controlled both houses, the President that signed the bills into law was a Republican.

As citizens, we certainly can express our political preferences around sustainability through the ballot box. But growing interest in our impact on the planet increasingly sparks questions about whether investors can integrate their values around sustainability with their investment goals and, if so, how?

2017's IRA “Sell by” Date Fast Approaching    

It’s Monday morning and you have just mustered the energy to crawl out of bed to start your work week. You shuffle to the kitchen and open the pantry to grab a box of cereal, then you reach into the refrigerator for the milk. You fill your bowl with the flakes and milk and take a bite…YUCCHH!

Now fully awake you glance at the milk container to see that it expired sometime last week. We’ve all been there, right? Even if you don’t drink milk, you’ve probably done something similar with moldy bread, old lunch meat, or some other product.  But are you doing this with your retirement?

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