Thing One Why Most Retail Investors Should Avoid IPOs There is something undeniably exciting about an Initial Public Offering (IPO). The financial media covers it relentlessly, analysts speculate about the company's future, and investors dream of getting in on "the next Amazon" before everyone else. Unfortunately, for most retail investors, IPOs are often one of the worst places to put money. The first misconception is that individual investors are getting in early. In

Thing One You Could Have Money Out There Somewhere Most people assume that if someone owes them money, they'll eventually receive a phone call, letter, or email. Unfortunately, that's not always the case. Every year, billions of dollars in unclaimed property are transferred to state governments because businesses, banks, insurance companies, and other organizations lose contact with the rightful owners. What many people don't realize is that this money can come from a

Thing One Why the Roth Makes More Sense Than Ever We get the question from time to time about whether a Traditional IRA or a Roth IRA is better. And over the years, we’ve tried to explain that the real question isn’t which account is “better.” The real question is: how do you structure your retirement assets to pay the lowest possible tax rate across your lifetime — and potentially your kids’ lifetime too? That’s an entirely different conversation. Most people approac