Humility, or I should say the lack of humility, is a quality that is easy to identify in others, yet difficult to see in ourselves. Humility is a difficult quality to develop because it may threaten our sensitive egos. Ego is important; we all have one. Our very survival depends on what “I” do or…

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Please enjoy this interview-styled article titled, “Kaleb Paddock on Giving, Budgets, Bottle Caps and More!”. Giving, Budgets, and Bottle Caps Kaleb Paddock, founder of Ten Talents Financial Planning, is featured in this Sammy Rabbit article. Kaleb is a CERTIFIED FINANCIAL PLANNER™ (CFP®) Professional and founder of founded Ten Talents Financial Planning. He offers flat-price financial…

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Please enjoy the recent InvestmentNews article titled, “HSAs, an adviser favorite, just don’t get much love”. Kaleb Paddock, founder of Ten Talents Financial Planning, is featured in this InvestmentNews article by Emile Hallez. “The accounts have another plus for retirees — withdrawals for ineligible expenses. After age 65, an HSA is comparable to a traditional…

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The color green is attributed to many positive things in life. Green is often used as a symbol of prosperity and even represents life itself. But not all green is good. Being green with envy is a characteristic we should avoid like the plague. As Charlie Munger put it, “There’s an old saying, ‘What good…

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Do you have retirement on your mind? Have you already retired in the last year or two? Average return is misleading As you think about your retirement and investment portfolio, it’s common to focus on achieving an “average return” and think that’s your ticket to not outliving your retirement savings. But do you understand that…

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Investors often respond emotionally to the market. And whether that emotion is fear of loss or fear of missing out, it is powerful. We are inclined to sell something that goes down and buy whatever is doing well. This has been going on for decades and continues to this day. It’s just about as reliable…

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Persistent (def) – continuing to exist or endure over a prolonged period Wall Street forecasts lack persistence. Their shelf life may only be a few weeks or months at best. 2020 was a great example; once COVID hit, existing forecasts became worthless. And this happens just about every year – excuses abound as to why…

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Are you looking forward to 2021? Here are some important financial planning checklist dates to keep in mind! Please click the graphics below to check them out. Please let me know if you would like a PDF copy of these dates and I’m happy to send that to you (and NOT sign you up for…

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Poverty lives here? Poverty.  The term conjures up certain images in our minds.  A home in disrepair; a child in tattered clothing, a person begging for money on the side of the street.  We think of third world poverty, rural poverty or urban poverty. Most people, however, don’t expect to find poverty in suburbia.  Loss of…

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The next twelve months may be an especially interesting time. There is hope, but there is still much unknown. Let’s mind travel to December 2021. Next year at this time, we may look back and say, “Of course, how did I miss that”? This activity of jumping forward to look back is known as prospective…

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