Periscope Newsletter & Blog

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Periscope Weekly Investment Newsletter.

Never Give Up On Your Dreams

Diana Nyad made her first attempt in 1978 when she was 33 years old. She was going to be the first person to swim from the Hemmingway sea wall in Cuba to Florida, USA. Thirty-five years later, she is the first unassisted person to do so without the safety (and drafting help) of a shark cage.

I am certain that I will meet Diana someday. You may too. How do I know? I just know--and, of course, the odds are slightly in my favor since she is a well-regarded public speaker and I enjoy those types of things.
What dreams did you have back in 1978?

In 1978, the Dow Jones Industrial average lost a little over 3% to end the year at 805. When Diana finished her swim, it was at 14,801 (or so). The market rose 14,000 points, or 18 times its value over that period of time.

During this 35-year period, bonds have had the best run in their history. Interest rates have fallen from their historic highs and plummeted to their historic lows, and the average annual rate of returns for bonds has been the highest we may see in our lifetimes.

This incredible bull run on bonds would have tripled every dollar in your portfolio. An uncommonly good return for a bond portfolio.
Now, I ask you, which would you prefer? $18 or $3? This completely unfair question ignores, of course, the fact that you would have had to stay invested in your stocks during terrorist attacks, mideast crises, hijackings, bombings, wars, pestilence and otherwise awful occurrences that would threaten to destroy every thing you own, forever, without regard for your work and savings ethics. And yet, this may be the only choice you have.

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Back to School

Back to school means college for one of the Frank kids. And college, as we've all heard, is expensive. Here are some tips and tricks for folks into, in and just out of college. For a more complete article, click here.

Before College

  • Apply to for financial aid-regardless of whether or not you think you qualify. The student aid program, FAFSA, can help a variety of folks.
  • Save ahead using college funding plans. The popular 529 plan can offer state income tax deductions and grow and be used without a tax burden.
  • Choose your school wisely. Be ready to change your mind. Don't dig in your heels. Instead, be open to a wide variety of schools and settings. Large or small? What environment best fits your learning style?
  • Negotiate with the school. More often than not, you might be able to shave some money off tuition costs.

During College

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Go Tax Free

A&I Financial Services - Karl Frank Book - Go Tax Free






An assortment of tools and strategies that give readers of all backgrounds a clear, specific action plan for obtaining the maximum allowable control over when and how they pay taxes.
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