Blog
This is RASP Blog, a place where we will share what we are thinking about. Process, behavioral psychology and various other rumination of the markets and economy are all possible topics to be explored.
The Debit Card Follow Up
I will keep this one brief. As promised, PNC Financial came through exactly as they promised and provided a conclusion to our debit card fraud on exactly the week and day (almost like it was a calendar event!). The answer from PNC was...
Read MoreThey got me! Bank debit card phished!
I apologize for this being a little raw—it’s less than 12 hours old. I feel terrible, violated and a victim, and honestly a bit stupid, but I hope sharing this very real experience might help someone else.Last night, I sat down on the...
Read MorePSA: The dark web and how your info gets there
Credit card information often ends up on the dark web through a variety of theft methods employed by cybercriminals. These stolen details (known as “card dumps,” CVVs, or “fullz” when including personal info) are then sold on...
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Summer Musings and Reads
For some, summer is nearly over. The good news is that the kids are all school-aged, so most of us can enjoy at least another month of warm weather. Since summer seemed to start late, maybe it’ll end late too? I hope. I’ll soon see...
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The Things Not Spoken
What is your living situation now? What are your plans for the future? OOF. No beating around the bush on this one. Wendee and I have been working with some clients on this topic for some time. And it is not an easy topic. Even if one...
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Easy Peasy
**Easy peasy lemon squeezy.** If you find yourself around children occasionally, you may hear this saying. As adults, we know that sometimes "easy" is harder than a turn of phrase. “Just Do It” is a slogan an empire was built upon. I...
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RASP Wealth Solutions, LLC - One Year!
Last week marked the one-year anniversary of Rasp Wealth Solutions, LLC! Although it’s been just one year officially, the journey began much earlier. In 1995, I interviewed with a regional firm, Raffensperger & Hughes, which was...
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Not Boring
The market drove itself into the end of the second quarter (June 30, 2024) with the same group of usual suspects. Again. It hasn’t been the same since. July turned the page and it was a whole different tune, lyrics and rhythm. Small...
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What is an Index
As a kid, we probably all heard a parent or adult say to us, “now leave it alone, don’t mess with it, and it will heal quicker”. Maybe it was over a scraped knee or small cut, or a blemish on the face. Did you heed their advice? I...
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Routines and Randomness
Routines offer steadiness. Randomness still happens and is still disruptive, but seems to last for shorter periods.
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Crisis versus Risk
As a child, I remember my grandparents’ cinder block basement on the farm. I’d be down there with Grandma on laundry day, riding a faded red tricycle in the room next to where she did laundry. I’d do laps around this massive shelving...
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"The Incredibles", Index and Active Investing
The overwhelming move to index investing is kinds of like making everyone a super hero as Syndrome wanted in the movie, "The Incredibles"
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Indices: Active or Not Active? Or?
In the last few days we have witnessed as we occasionally can that indices are truly managed actively. Some may question the timing. Today we will look at the current changes, consider the history of changes, and close with why...
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The Mismatch of Financial Media and Financial Investing
Financial media is not aligned with your financial investment goals
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Index Investing or Something Better
Index investing is inexpensive as a method of investing and using ETFs can be extremely tax efficient depending on the method of portfolio management. However, let’s take a step back and acknowledge what indices are:...
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