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Verisail Partners

Posts by Thad Gilliam, CFA, CFP®

20 Second Advisor: Trading Stocks Just Got A Lot Cheaper.

This week Charles Schwab announced that they will no longer charge for online trading of stocks, ETFs, and options. Prior to the announcement, Schwab was charging $4.95 per trade. Just this morning, TD Ameritrade also announced that they will cease charging customers trading commissions for online trades of stocks, ETFs, and options (see the official…

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20 Second Advisor: Time to Refi?

Mortgage rates have dropped in the last month to the lowest rates since 2016 (see chart below). At the same time, many homeowners have seen their home value increase over the last few years. Now could be an advantageous time to refinance your mortgage to pay down debt, renovate your house, get rid of PMI,…

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20 Second Advisor: 4th of July & Wealth Creation

As we celebrate the 4th of July this week, please enjoy the hamburgers and hotdogs, the fireworks, and, yes, the ability to create wealth in United States. The Declaration of Independence argues that all people are entitled to “Life, Liberty, and the Pursuit of Happiness.” The United States provides an incredible place for citizens to…

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20 Second Advisor: Vacation Home – Rent or Buy?

vacation home

It’s summer time. And that means vacations. Families feel the draw of buying a 2nd home while they’re on vacation. On the trip to Florida, couples may think, “Wouldn’t it be great if we had a beach house?” Before you dig into the financials of buying a 2nd home, here are the top non-financial questions…

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20 Second Advisor: Wild Returns – Why You’ll Rarely Have A 10% Return (in a given year).

I often try to gauge a client’s understanding of investing by asking, “What is your return expectation/hope for your portfolio?” Conservative investors will often want 4-6% returns. Aggressive investors may hope for higher returns (maybe 8-10%). Unfortunately, it is VERY rare to get returns in this range. Investing is all about bearing the UNCERTAINTY of…

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