• Adams Financial Concepts,  COVID-19,  Current Events,  Return on Investment,  The Investment Industry

    When Is the Best Time to Sell?

    When is the time to sell and liquidate portfolios? Most advisors, according to a recent study by Howard Schneider of Practical Perspectives[1], says most advisors have seen little impact from the stay at home orders and they perceive the market will return to normal in six months. I have considerable concern. Yes, I am staying the course today and am optimistic that we will be back to normal by the end of this year. But I am not blindly staying the course. Usually, I try to accomplish at least five tasks every day. On March 12th, I spent the entire day on one task and that was to determine when…

  • Adams Financial Concepts

    There’s More to Life than Money

    Music Matters! We often underestimate the importance of exposing high school students to the fine arts – particularly music. Which is why, when school districts are forced to stretch their budget, it is art and music classes which are cut first. When my children were growing up, we lived in a privileged neighborhood. If there was a shortage of funding at school, the parents would gather and write checks to cover the shortfall. But most communities across the US cannot do the same. In the Wellpinit School district, not only can parents not afford to cover any shortfall, but fully 100% of students are on subsidized or free lunches. It…