Randy’s blog

How Much Am I Really Earning? What's The Best Way to Calculate My Return?

“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep


Why am I not Beating the S&P 500?

Focus on Your Goals – Not Beating the S & P The Standard & Poor’s 500 index, or S&P 500, is a leading indicator of


Just the Facts, Ma’m- The Future is So Bright

When broader markets drop, many investors are understandably concerned. When markets move up, as they have done in 2017, many investors worry about when they


Cutting Taxes to Increase Revenue- Politics, Perception and Facts

Once again, tax simplification and cuts are being debated. There is general agreement that the tax code needs to be simplified, but there are a


How to Protect Yourself: Lessons from Harvey, Irma and Equifax

The vision of Carver Financial Services Inc. has always been making people’s lives better. A big part of this vision is protecting and enhancing your


For Success - Wait Out the Storms

We’ve learned from Hurricane Harvey and other devastating storms that when the authorities tell you to evacuate, it’s best to get out of town, where


Bad News, Good News and the Coming Market Pullback

As the broader equity markets have reached record levels, a question people often ask us is, “When is the market going to crash?” Nobody can


Realistic Expectations and Asset Allocation: Important Factors to Help With Long-Term Success

As the markets continue to increase, investor expectations are on the rise. This isn’t necessarily a positive trend as it is important for our long term


Happiness

Are successful people happy because they are successful or because they are happy? Science and personal experience suggest the latter. The idea that if we


Why Are You Investing?

Why are you investing? Is it to beat an index or achieve a personal goal? Is it to select the newest investment or achieve a


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