Integrated Financial Training: Westchester NY

Empowering you to Manage your Money and your Happiness



Financial Self Defense Program

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The author has been a student of martial arts for nearly 40 years and engaged in financial study and management for over 30 years. This short book distills these years of experience so the reader can approach their financial management and education with the discipline of the martial arts. Martial arts teach one to engage in an activity with calm, efficiency and integrate the process with one’s life mission of finding happiness. The purpose of the Integrated Financial Education Series is to provide individuals with a system to manage their finances with a minimum cost both in terms of time and money.

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  Articles for Financial Decisions

Money and Happiness: the Foundation

The fundamental idea of martial arts is to teach a system of doing something in the most efficient manner possible and simultaneously help the practitioner discover how to be happy...



The search for happiness in the material world...coming soon.

Can Money Buy Happiness?

Our respective mothers always told us the answer to this question was no. How come no one ever believed her?

Investing vs.... Gambling

Greed for that which causes happiness is good. Greed for that which causes misery is bad. May we all know the difference...

On Diversification

There are two excellent ways to suffer negative consequences. The first way is to be afraid of it. The second is to believe it can never happen...


Why do We Invest: Income Protection or Wealth Maximization...

The objective is not to win the battle, but to win the war...

Managing Risk

A pilot once explained that most plane crashes could be avoided if only the pilot looked out the window instead of gazing at his instruments....

Asset Allocation

Genuine wealth is being happy with what you have. Real poverty is always wanting more...

Picking a Mutual Fund: Why and How

To move 1,000 pounds with 1 pound of pressure, or to move 1 pound with 1,000 pounds of pressure...

Stocks for the Long Run?

The best plans consider the worst scenarios...

Investing When Rates are Persistently Low

When opportunity knocks, grab it. When there is no opportunity, make one. If neither exist, do nothing...



Refinancing your Mortgage

"By method and discipline are to be understood ...the maintenance of roads by which supplies may reach the army, and the control of military expenditure." The Art of War

College Planning

If colleges did offer something of infinite value, we should be willing to pay an infinite price...but if we went shopping I suspect we could get it for less...

Cost Effective Mutual Fund Selection

There is a difference between being miserly and being frugal. Being miserly means hoarding wealth out of greed. Being frugal mean properly preserving your scarce resources, which can lead to happiness.

To Roth or Not to Roth...

"Now the general who wins a battle makes many calculations in his temple ere the battle is fought. The general who loses a battle makes but few calculations beforehand..." The Art of War

Future Articles (let us know your preferences)...

Home Ownership: Buy vs..... Rent

Just Say no to Debt

Life Insurance - How Much and When





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