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Blogger Profile


OPD

Blog Info

Name:
One Percent Decisions
Category:
General Finance
Tags:
Honest Perspectives on Personal Finance & Living a Better Life
Start Year:
2017

Blogger Bio

Net worth:
$950,000.00
Location:
Pennsylvania, United States
Age:
Unspecified
Race:
Unspecified
Gender:
Male
Life stage:
SIK (Single Income, Kids)
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Latest Blog Posts

Please excuse me if what follows comes off as a rant. Yesterday, Institutional Investor published a piece about the $31 billion Iowa’s Public Employees’ Retirement System.  It’s short – read it here if you’d like. In it, Sriram Lakshminarayanan, the “Chief Risk Officer” at Iowa PERS says that the active managers that they are currently … The post Pension Fund Wants Alpha AND Low Correlation appeared first on One Percent ...
Posted: Oct 12 2017 @ 10:56 AM
There have been studies that show that when people pay more for something, they believe the product is better. For example, people rate wines better if they are told it is expensive. Based on this study, the wine doesn’t actually have to be better, they just have to believe it’s better (more expensive).  When the … The post Perceived Value vs. Actual Value appeared first on One Percent Decisions. ...
Posted: Oct 10 2017 @ 2:05 PM
Pundits are always predicting the next market collapse.  Ben Carlson does a great job of reviewing this and providing endless links in his piece Financial News Doesn’t Rhyme, But It Does Repeat Itself.  Since bubbles are always being predicted, and I am an optimist (or realist based on historical accounts), I thought it would be … The post Financial Bubble Predictions – 3rd Qtr 2017 appeared first on One Percent ...
Posted: Oct 05 2017 @ 2:33 PM
Most people have no idea how to interview a financial advisor.  So, to keep this as simple as possible, I’ve put together a concise list of six questions you should ask your current advisor or prospective advisor if you’re in the process of interviewing a few. Are you a fiduciary?  This is a simple yes … The post Six Questions to Ask a Financial Advisor appeared first on One Percent ...
Posted: Oct 05 2017 @ 7:05 AM
The typical way that a client interviews a prospective advisor and the number one way that advisors gather new assets is by offering a portfolio “second opinion”.  This is considered a no-risk proposition for the prospective client because it is almost always a complimentary service where supposed tremendous value will be derived. The goal of this … The post Portfolio Second Opinions Are Useless appeared first on One Percent Decisions. ...
Posted: Oct 04 2017 @ 4:26 PM
Frugal by definition means to be economical – not necessarily buying the product that is the lowest price.  That’s being cheap. To me, being frugal means to focus on the “cost” of a good rather than just the “price”.  What’s the difference?  Cost deals with the lifetime ownership of a particular product (quality) and price … The post We Are Frugal, Not Cheap appeared first on One Percent Decisions. ...
Posted: Sep 27 2017 @ 10:34 AM
The amount of information out there regarding Equifax is mind-boggling, but very little is focused on what actions you should be taking.  Equifax’s response has been awful overall, but thanks to the public’s demand for better service, it is improving. I’ve read a lot of articles regarding ideas on how to manage this personal credit … The post What I’ve decided to do about Equifax appeared first on One Percent ...
Posted: Sep 26 2017 @ 11:00 AM
The amount of information out there regarding Equifax is mind-boggling, but very little is focused on what actions you should be taking.  Equifax’s response has been awful overall, but thanks to the public’s demand for better service, it is improving. I’ve read a lot of articles regarding ideas on how to manage this personal credit … The post My Equifax Action Plan appeared first on One Percent Decisions. ...
Posted: Sep 26 2017 @ 11:00 AM
Morgan Housel’s recent article about getting to the point got me thinking.  In a way, the Blinkist app only exists because authors use far more words than necessary to make a point. That said, I’m not convinced it’s because the author doesn’t want to condense their thoughts.  Rather, it’s more likely because people are unreasonable in … The post More Is Not Always Better appeared first on One Percent Decisions. ...
Posted: Sep 25 2017 @ 6:58 AM
I’ll keep this short.  I let you know a few days ago that I would be re-branding our site to onepercentdecisions.com and slightly changing our focus.  I’m happy to report that the web design has been completed and we can get back to business as usual.  Go check it out if you’re reading this by … The post Thank you for your patience! appeared first on One Percent Decisions. ...
Posted: Sep 22 2017 @ 11:51 PM

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