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                The ground is still covered in snow, but the sun is shining bright and there isn’t a cloud to be seen in the sky as we hit the mid-point of March here in Upstate New York. It is still cold for T-shirts and the golf course still doesn’t look accessible for quite some time yet there is a good feeling in the air. It is the feeling that spring is just around the corner. Soon enough we fill find ourselves watching the rapid scenic transition from white to brown to green and there will be an oddly satisfying feeling because of it. We’ll notice a storm of college students flock to their campus quads playing Kan-Jam and cornhole to find another excuse not to write their 10-page paper due Monday. We’ll find ourselves cleaning up the yard work left over from another long winter and reading arguments between Yankees and Red Sox fans on social media as baseball is resurrected again. Soon enough will we complain that it is too hot during the day and watch the summer sunsets fade into the night… but this is getting too far ahead.                While in this annual transition period you may have a lot to do and a lot of questions to answer, however here is one that you may want to ask yourself. Are there any ways in which I can save money as the weather gets nicer? Of course, there are! Here are the Dollar Investment Clubs 5 best ways to save money as the weather gets nicer! While heating your house during the long winter nights is pretty much unavoidable, you can now start to eliminate that cost as the weather gets warmer and you don’t have to use it. Perhaps use a programmable thermostat in which it […]

The more things change, the more they stay the same.  Last week, while perusing one issue of the Wall Street journal I was able to read about micro-hospitals taking their services directly to their patients homes, an article about the grocery industry embracing home delivery, and the thrill of rocket launches here and in New Zealand.  It feels like a throwback to the early sixties, when doctors made house calls, every town had a milkman that dropped groceries at the house, and the Apollo astronauts were treated as huge celebrities on the scale of LeBron.  We may not see typewriters again but investors have to look at every idea with an open mind…

If you’re like me then you’re probably very excited this time of year due to the annual startup of the biggest roller coaster in all of sports, March Madness. Starting off with a conference championship week of the top ranked contenders defending their home court and looking to improve their seed while unranked mid majors look for that signature win which will punch their ticket into the big dance. Then after the conference champions are declared and the hope of those on the bubble are either dashed or dotted, the dance begins. Cue the All State commercial because as soon as that first game is tipped, the mayhem begins. If you’re also like me then you’ll find yourself sitting down with a pen and printed bracket, penciling in those teams you think will win each week. More than 40 million Americans will submit a bracket whether it be a friendly neighborhood competition, a $25 buy in with the guys in the office or a ESPN official bracket submitted in hopes of winning Warren Buffett’s infamous $1 billion perfect bracket prize. As a spectator, we enjoy these games for the action packed, high intensity environment where young student athletes compete in a ‘Hunger Games’ type tournament where the name of the game is simple; survive and advance. As a bracket owner, we stress and panic when the 3 seed we predicted to go to the Final Four needed double overtime to beat the 14 seed and we cringe when we watch the 12 seed beat the 5 seed in the game that the ESPN experts said was supposed to be a “lock”. Between the good, the bad and the Cinderellas the games are finalized, we throw away our brackets and the tournament of tournaments is concluded with One Shining Moment for […]

Even if economists have predicted 9 of the last 2 recessions, a recent quote by a professor of finance, Sean Snarth of the University of Central Florida, may help you deal with recent volatility that has finally returned to the markets.  To quote Sean, “The tax cut stimulus and faster wage and salary growth are the garlic to the vampire of recession.”  In other words, the government has primed the pump for growth that we haven’t seen in almost ten years with lower taxes, higher wages, and maybe most importantly, less regulation.  As the economy begins to deal with higher interest rates, the possibility of growing our way out of a possible resultant recession will be the key and hopefully not a horror show.      

By Mandi Woodruff Courtesy of Yahoo Finance Full Article here Cliff Notes (C’mon its 13 bullet points you can read this): 20 somethings don’t save money for two reasons: “There are bills to pay, debt to be tackled, apartments to rent, and social lives to be had.” They think that their money is better served in their pockets now. Due to inflation, a 20 something will need $7,000,000 at retirement!A 25 year old making $50,000 would need to save 14.65% of their salary througout their career. In 1970, someone could have retired with just $166,000. Today, someone needs around $1,000,000. TIME IS ON YOUR SIDE! Saving 6% of your pay at 25 is much more valuable than saving 8% at 55. Case Study:IF you decide to invest while you are younger you stand to have a significant amount more at retirement and “people who do that earlier set themselves up much better for success.” Jennifer, 22, making $3,000 a month, saves 5% of her salary in a 401(k) with a 5% employer match ($300 a month). She earns 6% at year on her investment and ends up with $753,849 at age 65. (assuming she never increases her contribution or gets a raise) Jennifer decides not to invest young, instead she waits till she moves up in the company and is making $6,000 a month ($600 a month) but is now 35. Same savings of 5% with 5% match and same investment, at 65 she has $317,843. She lost out on $436,000 by waiting!!! *Note: We do not own Cliff Notes or have any relation with them with are just using them as an example of a book synopsis company.