Byron Moore

Should I Buy Term and Invest the Difference? (Part 1)

In discussions of life insurance, you’ve probably heard someone say, “Buy term and invest the difference.” Some have suggested this popular mantra originated with financial guru Suze Orman or perhaps Andrew Tobias (in his 1978 book, The Only Investment Guide You’ll Ever Need). Others attribute the pithy sales pitch to insurance magnate A. L. Williams, […]

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How to Sleep Better in Retirement

As people near retirement, most ask some version of this question: “What financial risks should I watch out for in this next chapter of my life?” The answer is not that complicated: Many of the same risks you face now—plus a couple more. Here’s why that’s interesting: If you are about to voluntarily retire, you

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Change: Short-Term Pain for Long-Term Gain

After another brutal tax season—digging up records for his CPA, trying to recall expenditures and hunt down old receipts, etc.—Bob vowed, “Never again!” He went online and purchased some money management software, thinking, “Next year, I want to be able to push a button and easily generate all kinds of accurate, detailed reports.” Last night,

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What Does Financial Success Mean to You?

Ralph has always been aggressive when it comes to investing. But as he ages, he’s second-guessing himself more and more. Is my approach the best approach? Here’s what I’d tell Ralph: It depends on how you define financial success. I find people define financial success in three broad ways. Often these definitions are unconscious and

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Why It’s Hard to Change Financial Habits

They were an easy-going couple who rarely squabbled—UNTIL he suggested they create (and live by) a budget. Each time he gently brought up the subject, she got defensive. He walked away muttering to himself. They remind me of a story I heard John Maxwell tell. A friend showed him a list of New Year’s resolutions:

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