Personal Capital Logo google store facebook linkedin apple store twitter vimeo youtube Devices-Blue

Scott Baber

The Cash Box: Saving Money Is About Developing Good Habits

The Cash Box: Saving Money Is About Developing Good Habits

I’ve been a financial advisor for over ten years and it’s hard for me to imagine doing anything else. Nothing makes me happier than steering my clients toward a comfortable retirement, or maximizing the effectiveness of those 401K contributions. And the only...
Beware Inflation, the Devil in Disguise

Beware Inflation, the Devil in Disguise

Imagine you have $1 million saved and you live in a fantasy world where there are no taxes. You need to take out $40,000 each year for expenses, a very reasonable 4 percent starting withdrawal rate. Inflation is 3 percent, but you can get 5 percent a year...
How to Use Options for Insurance and Extra Income

How to Use Options for Insurance and Extra Income

Most individual investors will be better off if they never touch options. This is not to say that they can’t be good tools, but most people struggle to use them correctly and fail to appreciate the costs involved. Options are not dangerous if you know what...