Blog
Buffett's Final Example
Warren Buffett's Final ExampleReaders of my blogs and my recently published book know that I have valued Warren Buffett’s wisdom over the years. He retired as CEO of Berkshire Hathway on January 1st after 60 years at the helm.As is his...
Read MoreBeware of Holiday Scams
Beware of Holiday Scams For me, the holidays are about spending time with family and friends to celebrate together. Unfortunately, for some the holidays are an opportunity to perpetrate scams to steal from others. Cyber threats...
Read More2025 Year End Moves To Make Now
2025 Year End Moves To Make Now It’s here again. These “Year End” Blogs seems to be coming up faster and faster. But October is already upon us so, once again, I’m providing my annual reminder that it’s time to prepare for some moves...
Read MoreThe Roller Coaster of 2025 (So Far)
The market has been like a roller coaster in 2025, so far. Staying invested has been the successful strategy.
Read MoreThe Bear Returns
BLOG: The Bear Returns Last week, the Bear made his appearance on Wall Street. A Bear Market is typically when the market retreats 20% from its high point. As of this writing, the Nasdaq has declined 22.7% from its high and, while the...
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Thirty Years of Reasons UPDATE
BLOG: Thirty Years of Reasons UPDATE It’s the Thirty Years update!In March, 2020, at the height of the COVID scare, when markets were in turmoil, I wrote “Thirty Years of Reasons,” which featured a list of the many terrifying headlines...
Read MoreInvesting in Artificial Intelligence
BLOG: Investing in Artificial Intelligence Lately, clients have been asking me a lot of questions related to Artificial Intelligence, or AI, and how it could impact investing. AI has become a major topic in the media and already has a...
Read MoreThe Election
BLOG: The Election Since Wednesday, the most common question I’ve received is “what do you think the election will do to the markets?” My answer has been, “What I think will happen in the short-term, and what will happen in the...
Read More2024 Year End Financial Moves
Blog: 2024 Year-End Financial Moves The weather is turning cooler and Autumn is upon us. While I love the Autumn weather and colors, it reminds me that Winter is coming. Unfortunately, before we know it, we’ll be looking at the end of...
Read MoreWe Were Overdue For A Correction
BLOG: We Were Overdue For A Correction Over the past few days, the market has taken a sharp downturn and the media has taken a gloom and doom approach (as they usually do). Allow me to offer some perspective. In the 12-month period...
Read MoreBut What If He Wins The Election?
Presidential election season is upon us so, naturally, the media has people in a frenzy worrying about what will happen to their portfolios. People from both sides of the political aisle are warning of dire consequences and claiming it wil
Read MoreDo You Need Earthquake Insurance?
Do You Need Earthquake Insurance? On April 4th, the ground shook here in NJ from a 4.6 magnitude earthquake. While that would be considered a minor quake in some parts of the country, it’s quite a rare and unsettling occurrence here....
Read MoreThe Critical Function of Naming Beneficiaries
Blog: The Critical Function of Naming Beneficiaries Sometimes the most mundane aspects of financial advice are the most critical, and naming beneficiaries is one that I consider to be crucial. In fact, one of the most...
Read More2023 Year-End Financial Moves
log: 2023 Year-End Financial Moves It’s hard to believe but Autumn is upon us and, before we know it, we’ll be looking at the end of 2023. Time sure flies. To that end, it’s time to prepare for some...
Read MoreTiming Isn't Anything
Blog: Timing Isn’t Anything October 13, 2022, wouldn’t have been a day anyone wanted to purchase stocks. The S&P 500[1] had fallen almost over 25% to its lowest point for the year, inflation was at a 40-year high of 8...
Read MoreThirty Years of Reasons Revisited
Thirty Years of Reasons not to invest
Read MoreWhen Your Child Becomes An Adult
Blog: When Your Child Becomes An AdultThose of us that are parents can attest: your children become adults in the blink of an eye. And, despite our desire to still see them as children, once they turn 18 they are legally...
Read MoreCommon Financial Scams To Avoid
Common Financial Scams to Avoid Lately I’ve been having a lot of conversations about how to protect against financial scams. We like to joke about the famous “Nigerian Prince” email that promises to park...
Read MoreHappy New Year! Forget The Resolutions!
Focus on your daily, weekly and monthly activities to meet your goals
Read MoreYear-End Moves To Make Now
Blog: Year End Moves To Make Now The weather here in New Jersey has definitely turned to autumn and, despite the fact that we were having summer barbecues only a few weeks ago, the holidays and year-end will soon be upon us...
Read MoreTime To Sharpen The Saw
Blog: Time to Sharpen the SawSummer is more than halfway over and, for me, that’s disappointing. I love the warmer weather, gardening, daylight into the evening, and simply being outside more.So, considering the idea that...
Read MoreThe Correction We've Been Expecting
This market correction is expected, and welcomed.
Read MoreThe Media And Your Portfolio
“Stock-market investors should be ready for 10% fourth-quarter correction, says Stifel’s Bannister.”[1] -MarketWatch, October 21, 2021 “JPMorgan portfolio manager adds S&P 500 exposure. Here’s why...
Read MoreAre We Due For a Market Correction?
Since its inception in 1926, the S&P 500 Index has averaged an approximate 10% increase each year.[1] This is only an average, of course, so some years are better and some are worse. Last week, the S&P 500 reached a new all-time high...
Read MoreAre You Financially Prepared To Live Past 100?
Lately, my readings have taken me to books and articles that highlight health technologies and how they’re shaping the future. One thing is clear: as a result of major advances in computer technology and scientific breakthroughs,...
Read MoreLumber Prices and Your Homeowner's Policy
As society begins to open up after the pandemic, the economy is sporting some unusual features. Unemployment remains slightly high, but inflation (in some sectors) is rising sharply. Normally unemployment and inflation go hand-in-hand,...
Read MoreShould You Pay Off Your Mortgage Early?
Should You Pay Off Your Mortgage Early? In 1968, the Federal government passed the Truth in Lending Act. The law requires lenders to provide borrowers with loan cost information for certain types of loans, including mortgages....
Read MoreThe Coming Market Drop?
The Coming Market Drop? Let’s face it, the year 2020 wasn’t one that most people would want to enjoy again. From a stock market investor’s standpoint, however, it was an excellent year. The stock markets seemed to...
Read MoreOur 15th Anniversary
Dispenza Financial's 15th Anniversary "I think one of life's great milestones is when a person can look back and be almost as thankful for the setbacks as for the victories." Bob Dole It's our anniversary! Fifteen years ago, on...
Read MoreLesson From The Election
BLOG: The Lesson From The Election November 9, 2020 The year 2020 is certainly going to be one to remember (or deliberately forget), so it makes sense that this year's elections are causing all sorts of anxieties for Americans. There...
Read MoreGeneration Z's Advantage
Generation Z's Advantage As my two sons have gotten older our dinnertime conversations have gotten longer and more interesting. I’m really enjoying the back and forth between us. They’re interesting to listen to and...
Read MoreThe $11,900 Cup of Coffee
The $11,900 Cup of Coffee “Beware of little expenses; a small leak will sink a great ship.” - Benjamin Franklin Have you ever paid $11,912.79 for a cup of coffee? I realize that sounds ridiculous, but it’s not as...
Read MoreThree Things All Crashes Have In Common
Social distancing means something different for everyone. For some it means watching TV, for others it means board games, etc. For me, it’s been family time and research. I want to share with you some thoughts on this current...
Read MoreThirty Years of Reasons
Thirty Years of Reasons March 10, 2020 Over the past 30 years number of significant negative events have affected the world, yet the markets have always rebounded. I believe the current disruption (Coronavirus) will be no different...
Read MoreRegarding The Market Volatility
Last week was quite a tumultuous week for the markets. In just one week, the S&P 500 shed over 12% of its value, which places it in “correction” territory. The precipitant for the upheaval seems to be the concern over...
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