top of page
  • Writer's pictureNate Baim, MBA, CFP®

Are you biased about financial decisions? I am.

Enjoy this week's edition of the Planner's Beta

Beta (n) - climber's jargon that designates information about a climb This digest's purpose is to share observations, ideas, and treasures found this week which you may also find insightful. Sharing does not mean it's an endorsement. I am endorsing the pursuit of knowledge and exploration.

Something Fun

Becky and I made it back to Frog Lake this weekend. Although I was slow to get ready for the trip, she took the effort to shop and do most of the planning. I am so fortunate to have a supportive partner who shares my same passions. We camped in the snow, enjoyed some wine, and skied a stretch of trail we have not done before. It was a great weekend!

Something From Nate

I thought it would be appropriate to share my bias regarding purchasing a home. A home may likely be your most significant purchase. It can be a source of freedom and accomplishment or stress and heartache. You should have no regrets when making a home purchase. Use this checklist to help organize your thoughts.

Something About Financial Planning

6 Tax Deductions You Can Claim Without Itemizing (The Motley Fool) - It is that time of year. You anxiously wait for all the tax paperwork you need to file your tax return. However, don't let your excitement keep you from having a level head. It is always good practice to review your tax paperwork. Be sure you are using appropriate deductions and credits, and that there are no errors in your filling. 

Something about Investments / Economy

U.S. household debt hits record high of $14.15 trillion (Yahoo Finance) - Numbers outside of context may be misleading. Yes, household debt recently hit a high (Q3 2008 held the prior record). However, overall, household income is less burdened with debt (see below chart). The Average U.S. household spends a smaller percentage of their disposable income now than leading up to the recession. An item to keep an eye on from the cited Fed report is the delinquency rate. Student and auto loan delinquencies steadily ticked up over the past several years. Whereas late payments for Mortgages and Consumer Credit is well off their highs during the twilight of the Great Recession.


Have something on your mind? Schedule a free call with Nate.


Pursuit Planning and Investments, LLC is an Investment Adviser registered with the State of Oregon. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. We may, from time to time, have a position in the securities mentioned and may execute transactions that may not be consistent with this communication's conclusions. Past results do not guarantee future results. Please contact us at 971-803-5948 if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate any restrictions on the management of the account or modify existing restrictions.  Additionally, we recommend you compare any account reports from PPI with the account statements from your Custodian.  Please notify us if you do not receive statements from your Custodian on at least a quarterly basis.  Our current disclosure brochure, Form ADV Part 2, is available for your review upon request, and on our website, This disclosure brochure, or a summary of material changes made, is also provided to our clients on an annual basis.


Commenting has been turned off.
bottom of page