About Kate Brown

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So far Kate Brown has created 24 blog entries.

The true cost of spending your retirement early

By |May 8th, 2015|Categories: Blog, Personal Finance Tips|

My first, briefly-held job out of college had nothing to do with finances. In fact, I was so ignorant on the subject that I somehow failed to realize that one of the job’s very few perks was an automatic, employer-funded 12% annual contribution to a retirement plan. It’s a benefit nearly unheard of these days, and to my knowledge it

Why we all need financial advice

By |May 4th, 2015|Categories: Blog, Life, Personal Finance Tips|

Generally speaking, most of us fall squarely into one camp or another when it comes to the question of whether to hire a financial advisor. This isn’t that debate. What I’m talking about today is financial advice – and we all need it. Let me be clear about what I mean when I say advice. I’m not talking about reading

401(k) loans can make a bad situation worse

By |May 1st, 2015|Categories: Blog|

For many investors who are still in their working years, the largest single account balance in their portfolios is a 401(k) plan, especially for those who have worked at one company for a long period of time. When times get tough, borrowing a portion of that balance to ease the strain can be a tempting proposition. The good news first

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Beyond Six-Months’ Cash: Alternatives for your emergency fund

By |April 29th, 2015|Categories: Blog, Personal Finance Tips|

The concept of an emergency fund is simple. Ideally, we should all have 6 months of expenses put aside in a savings account, just for emergencies. There are generally two objections to this school of thought. Objection 1: Inflation risk and opportunity cost From an investment perspective, emergency funds held in cash represent significant opportunity cost. In fact, some experts

3 Decisions that may Hurt your Diversification Efforts

By |April 27th, 2015|Categories: Blog, Personal Finance Tips|

Asset allocation and diversification are important concepts in investing. Although many investors think of them interchangeably, they are, in fact separate concepts. Asset allocation refers to how you choose to spread your money among investments. Every investor practices asset allocation by virtue of having invested. Whether or not that asset allocation represents diversification is another matter altogether. Diversification is a

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Retirement Planning Means Life Planning

By |April 24th, 2015|Categories: Blog, General Personal Finance, Life|

Retirement planning is a broad concept. So broad, in fact, that the term is almost useless in discussion without clarification as to context. To one person, retirement planning means directing as much money as possible to a 401(k). To another, it means maintaining the ideal asset allocation as retirement draws nearer. Still others are worried about withdrawing funds in a

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