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Why sell my stock? It just keeps going up!
At Seaborn, we see a lot of folks come in with high concentrations of a single stock, generally from ESPP's , RSU's , ISO's, or other...
Should I sell or should I rent (out)?
(To those of you who now have the song stuck in your head -- you're welcome!) Alright -- you've decided to upgrade/downgrade/relocate to...
"Save what you don't spend" and consumption smoothing
Last time I wrote, I talked about when month-to-month cash flow doesn't matter -- which may sound like dangerous personal finance heresy...
When month-to-month cash flow doesn't (really) matter
If someone handed you a lightsaber, what would be your first thought? (Probably something along the lines of "This is SO @#!$%^*& COOL!")...


Why bonds in an inverted yield environment?
While the interest rate hike has been a bummer for the stock market, bond prices, and home buyers, it's been pretty awesome for savers....
How to take advantage of the randomness of portfolio returns
Yes, you heard right -- assuming that you have a diversified portfolio that matches your risk tolerance and risk capacity, your portfolio...
The last conversation you'll ever need to have about: what to do with RSU's
So I'm a bit of a fan of "last conversation"-style articles -- I was inspired by the one on "eating right" to write my own on retirement...
SVB, Silvergate, Signature, and you
This post is a modified version of an email that we sent to Seaborn clients earlier this week. I swear – I leave for a convention for one...
Save, Invest, Pay Down Debt, or Spend?
There's a lot that goes into financial planning: cash flow projections, Monte Carlo simulations, portfolio design, cash flow management...
Sustainable, optimized portfolio income and Monte Carlo
OK, full disclosure: I'm a little twitchy around the phrase "passive income". It's like a slightly more socially acceptable form of "get...
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