Comprehensive Money Management

Bill's Blog

The Math Behind Investing Success

Four Math Principles that Help Us Meet Your Financial Goals The markets are driven by human decisions and emotions, like fear and greed. Your investment results don’t have to be. There are four math principles investors can take advantage of for successful goal-based investing: The Power of Compounding The Value of Avoiding Large Losses The Benefit of Reducing Volatility to Speed Up Growth The Importance of Reducing Tail Events for Con..
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Consistency vs. Chasing Returns

I recently came across yet another article that demonstrates why consistency of returns is more important than achieving the highest possible return in any given year.  Our consistency is quite impressive with annual returns running between 6% and 8% over the last 3, 5 and 8-year rolling periods – and averaging 7% annually for the entire 23-year history of the firm.   The article was written by James Lewis and Connor Miller, Co-Chief Invest..
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Increasing Healthspan – The Science of Healthy Aging

Moore’s Law states that the transistors on computer chips double in speed approximately every two years.  This principle has been remarkably consistent since Gordon Moore, the co-founder of Intel, first made this observation in 1965.  The compounding effect of year after year of doubling on previous doublings has led to an explosive growth in computer processing power that continues unabated to this day.  That same principle applies to our ..
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7 Scientific Facts About the Benefit of Helping Others

  SCIENCE HAS SPOKEN Have you ever felt a rush after doing a good deed?  Ever noticed you were more relaxed after a day of helping others solve a complex problem?  Do you ever feel motivated to do good after thinking about the last time you helped someone?  If you answered ‘yes’ to any of these questions, there’s a good explanation for why – it’s called science.   If your fellow good doers are still in need of some convincing, her..
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Bill’s 12-Step Program (for Building Financial Security and Wealth)

Conviction (kan-vik-shan): noun, a strong persuasion or belief; the state of being convinced. In life, there are things that we should be convicted and committed to. For example, the love for our families, spouses, and religious beliefs. We can also be convicted about other things, such as political ideologies, social issues, and environmental causes. With the rise of social media, many of our convictions are magnified and easy to see.  They ar..
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Happy Independence Day

Perhaps you’ve heard…  The first six months of 2022 was the worst yearly start for the US stock and bond markets for any period since 1970.  Most investors are down more than 20%.  Investors with concentrations in high-flying tech stocks are down 50% or more.  You are not “most investors”.  To the contrary…  We built your portfolio for times like this.  That foresight and wisdom is now paying off. ..
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hap·pi·ness

“Happiness is the meaning and the purpose of life, the whole aim and end of human existence.” – Aristotle  Face it – you spend a lot of time at work – often more time than you spend with your family, with friends, more than you have for yourself. If you’re going have that much time invested in your business, you might as well enjoy it. You owe it to yourself to be happy in your career. Let me begin by sharing what I consider..
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Inflation and Interest Rates – Why They Matter

This blog is going to be long. I blame the word inflation, be it transitory or not, for inflating its length.  Many of the thoughts and words were compiled from articles written by two of my favorite authors on the subject of economics and investing:  Vitaliy Katsenelson and John Mauldin (from whom I have borrowed liberally).   The number one question I am asked by clients, friends and random strangers is – “Are we going t..
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An Exponential Ride

I've got to admit it's getting better A little better all the time I have to admit it's getting better It's getting better since you've been mine Getting so much better all the time– Getting Better, Paul McCartney and John Lennon, 1967, “Sgt. Pepper’s Lonely Hearts Club Band” albumThe last year brought exponential growth in – among other things – use of the word “exponential.”  It is now the go-to term when you want to say..
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It’s a Whole New World

So much has changed in our lives in 2020.  Everyone is feeling stressed.  Here are a few of today’s top stressors.  It’s not a complete list.  What are your top 5 stressors?  And what does it say about our current situation if you have difficulty limiting your list to just 5? PandemicSickness and deathLockdownsJob loss/Furloughs ProtestsWild FiresHurricanesFloods ViolenceCabin feverSocialismFascism ..
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Goldman Sachs: National mask mandate needed to restart US economy

Government mandates to wear a mask in public have become a uniquely hot-button issue in the U.S., which finds itself in the throes of a coronavirus crisis that appears to be drifting out of control by the day.  The debate pits scientific consensus against libertarian philosophy.  The public welfare against individual freedom.  Reasoned thought against inflamed tribal passion.“Your liberty to swing your fist ends where my nose beg..
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Pizza, Beer and Getting Punched in the Mouth

When I was a kid living in Tucson, Arizona, my family of seven often packed into our Chevy station wagon and headed to Shakey’s Pizza Parlor on Friday nights.  My ten-year-old self loved Shakey’s.  It wasn’t just about the pizza.  There was something magical about the overall experience.  Shakeys’ was always packed and noisy.  Mechanical “player pianos” pounded out music.  Live musicians in straw hats wan..
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My Support for You in a Crisis

Good evening.I’m sure you don’t have to be told that our country – and the world—are in a big awful mess.  The Covid-19 virus has disrupted everything: our sense of personal safety, our jobs, the economy, and – for an undefined period of time – our investment portfolios.  I’m reminded of the stories my mom and dad shared with me about growing up during the Great Depression and World War II.  They were stories of colle..
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Perspective in the Panic

Back in 1987, right after the markets had experienced the famous “Black Monday” decline which took the Dow Jones Industrial Average down by 23% in a single day, the cover of the weekly Barron’s financial publication featured a suitcase with the frightened eyes of investors peeking out of its dark recesses, and an arm reaching out to wave a white flag.This weekend—after the worst market week since the 2008 financial crisis—and one of the..
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Live Long and Prosper: Resources That Will Change Your Life

 Yes, it’s true.  Jae and I are fully committed to a whole food, plant-based (WFPB) lifestyle.  Variations on this theme include the Mediterranean, Flexitarian, Nordic, Ornish, DASH, Engine 2, Mayo Clinic and Vegan diets.  All of these diets emphasize eating fiber-rich, low-fat unprocessed whole plant foods to maximize health, prevent or reverse disease, and increase longevity.  WFPB diets minimize or avoid processed fo..
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Why Do-It-Yourself Investors Underperform

The results of research performed by Dalbar Inc., a company which studies investor behavior and analyzes investor market returns, show that the average investor consistently earns below-average long-term investment returns.  This is amazingly consistent no matter what time period is measured.Their 2016 study looked at the twenty-year period ended December 31, 2015.  During this period, the S&P 500 Index averaged 8.19% a year – a p..
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Healthy, Wealthy and Wise

In recent months, many of my clients have experienced health issues that impact their enjoyment of life and plans for retirement.  Health and wellness have become a greater concern as Americans face an epidemic of heart disease, cancer, diabetes and obesity.  Long term financial planning starts with an assumption that you’ll be here to enjoy the long term.  This month’s blog, “Healthy, Wealthy and Wise” takes a detour from ..
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Broken Eggs

We face a looming retirement crisis that will impact millions of elderly and soon-to-be elderly Americans, as well as our children and grandchildren who will have to bail out those generations.The Facts:Overall Population·        78% of Americans live paycheck to paycheck.·        1 in 4 don’t set aside anything for savings each month.·        Nearly 3 in 4 say they’re in debt, an..
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What Do I Own and Why Do I Own It? 2019 Update

In times of economic turmoil and financial market upheaval, it’s a good idea to take a deep breath and reflect on this question.  Understanding what you own and why you own it is the first step toward building confidence and conviction.  Confidence and conviction are always tested during periods of market volatility.  The more you understand about the design of your portfolio, the better you’ll sleep at night when the world aro..
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Confessions of Your Investment Manager: I’m preparing for a Market Crash

As we enter the eleventh year of economic expansion, valuations in the US stock and bond markets have reached all-time highs.  Real estate construction is booming.  Cranes fill the skyline in every major city in the US and many around the world.  Unemployment is low.  Inflation is moderate.  Optimism is high.  Meanwhile, consumer, corporate and government debt are extraordinarily high and rising, salaries are stagnan..
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Contact Info

Comprehensive Money Management Services LLC
535 Vilabella Avenue
Coral Gables, FL 33146
Phone 305-662-7757
Fax 305-402-8409
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

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Disclosures

Comprehensive Money Management Services LLC (“CMMS”) is a Registered Investment Adviser located in Coral Gables, Florida. The firm is registered with the State of Florida Office of Financial Regulation. CMMS and its representatives are in compliance with the current filing requirements imposed upon Florida-registered investment advisers and by those states in which CMMS maintains clients.

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