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Independent Investment Advice Blog

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Three Items You Must Know About Developed Country Hard Currency: Independent Financial Advice

Three Things You Know About Buying Facebook IPO Shares in a 401k: Independent Financial Advice

Preventing stock crash damage to your 401K: Independent Financial Advice

Will bank stock crash damage 401K’s? Independent Financial Advice

Two Items You Must Know About Preparing for Deflation: Independent Financial Advice

Two Things You Must Know About Huge Chase Loss: Independent Financial Advice

Two things you must know about the very weak economy: Independent Financial Advice

Protecting stock option windfalls: Independent Financial Advice

Senator Lugar's defeat hints at deflation crisis: Independent Financial Advice

Two things you must know about Facebook IPO in a 401k: Independent Financial Advice

Worsening unemployment and tax increases to create new recession: Independent Financial Advice

French and Greek Election Results May Harm Your 401k: Independent Financial Advice

Employment report to damage 401k's? Independent Financial Advice

Will Facebook IPO damage your 401k? Independent Financial Advice

Payroll Report to Hurt Stocks: Independent Financial Advice

Avoid risky private loans: Independent Financial Advice

Real estate investments are a real loser: Independent Financial Advice

If stocks are a bubble will real estate follow? Independent Financial Advice

Will the 2013 crash hurt your 401k: Independent Financial Advice

Natural Gas and its effect on 401k: Independent Financial Advice

Federal Reserve Meeting Today and its effect on 401k: Independent Financial Advice

Facebook valuation problem’s effect on your 401k: Independent Financial Advice

French election effect on your 401k: Independent Financial Advice

French election will crash Eurozone: Independent Financial Advice

Copper surplus in China - will it create a crash? Independent Financial Advice

Will Tech Crash Lead to Stock Market Crash: Independent Financial Advice

Recession to come in 2012 not 2013: Independent Financial Advice

Sell in May and go away: Independent Financial Advice

Protection from Bubbles with Real Estate Tax Planning: Independent Financial Advice

Will interest rates ever be normal? Independent Financial Advice

Inflation hurts Real Estate: Independent Financial Advice

Santorum Quits. Will Stocks go up? Independent Financial Advice

China Economy Headed for Slowdown: Independent Financial Advice

Instagram – is this the Market Top: Independent Financial Advice

Bond Bulls Validated by Payroll Report: Independent Financial Advice

Gold to go down: Independent Financial Advice

Which are riskier: stocks or bonds? Independent Financial Advice

Will China slowdown hurt commodities? Independent Financial Advice

Black Swan to Trigger a Market Panic? Independent Financial Advice

Black Swan Coming? Independent Financial Advice

Mega Millions jackpot – can it beat the stock market? Independent Financial Advice

Stock market looking weaker: Independent Financial Advice

Establishment getting worried about the economy: Independent Financial Advice

Will T-Bond Bubble Burst? Independent Financial Advice

Stocks beat real estate: Independent Financial Advice

Stock Market a Selling Opportunity: Independent Financial Advice

T-Bond Crash a Buying Opportunity: Independent Financial Advice

Four Must Know Facts About T-Bond Crash: Independent Financial Advice

Contrarian Ideas on T-Bond Crash: Independent Financial Advice

Best way to buy mutual funds: Independent Financial Advice

Low interest rates are correct: Independent Financial Advice

Protection From Stock Crashes: Independent Financial Advice

Protection From Treasury Bond Crash: Independent Financial Advice

Treasury Bond Prices Crash: Independent Financial Advice

Shiller PE10 for Japan: Independent Financial Advice

Employment report misleading: Independent Financial Advice

Employment report to be bearish: Independent Financial Advice

Dollar Crash if China Sells Treasuries? Independent Financial Advice

Best Asset Classes in 2011: Independent Financial Advice

Hidden Risks of Employee Stock Compensation: Independent Financial Advice

My column in TheStreet.com: Independent Financial Advice

Do brokerage windows allow an advisor? Independent Financial Advice

Inflation Bubble May Burst: Independent Financial Advice

Prepare For More Broker Failures: Independent Financial Advice

When will the economy be prosperous? Independent Financial Advice

Will inflation destroy your 401k? Independent Financial Advice

2013 tax increase can damage your 401k: Independent Financial Advice

Treasury Bonds Imply Recession: Independent Financial Advice

Romney victory won’t fix stock market: Independent Financial Advice

Will stocks go up when they should go down? Independent Financial Advice

Bear Vs. Bull Case: Independent Financial Advice

Jobless Report No Threat to Bears: Independent Financial Advice

The importance of insurance in financial planning: independent financial advice

High Correlations Ruin Investing: Independent Financial Advice

Iowa Caucus May Damage Your Portfolio: Independent Financial Advice

Inflation forecast: independent financial advice

Forecast for 2012: Independent Financial Advice

Gold going down: Independent Financial Advice

Best performing assets in 2011: Independent Financial Advice

Can presidential candidates affect your portfolio? Independent Financial Advice

Will Kim Jong Il’s death hurt your portfolio? Independent Financial Advice

Two things you must know about today’s crash: Independent Financial Advice

High unemployment means high bond prices: independent financial advice

Eurozone crisis developments: independent financial advice

Installing a Modem is like Investing: Independent Financial Advice

Avoid These Investing Mistakes: Independent Financial Advice

Don’t let housing bulls destroy your portfolio: Independent Financial Advice

Roth conversion season: Independent Financial Advice

Avoiding Eurozone crash with domestic investment grade bonds: independent financial advice

Investing during turbulent markets: Independent Financial Advice

Unemployment report is misleading: Independent Financial Advice

Important data to be released Friday: Independent Financial Advice

Today’s rally was a setup to failure: Independent Financial Advice

Market getting riskier: Independent Financial Advice

Hidden risks in deferred compensation: independent financial advice

Market getting riskier: Independent Financial Advice

Tools for investing: Independent financial advice

Thanksgiving during a crash: Independent Financial Advice

MF Global crash affects your 401k: Independent Financial Advice

Super Committee failure may lead to recession: Independent Financial Advice

MF Global failure may lead to commodity market deflation: Independent financial advice

Bond Market Top Spotted: Independent Financial Advice

MF Global Lesson: Avoid margin trading. Independent Financial Advice

MF Global failure: tip of the iceberg. Independent Financial Advice

MF Global failure gets stranger: Independent Financial Advice

Will 401K's be hurt by MF Global bankruptcy? Independent financial advice

Don't lose money with investment valuation errors: Independent Financial Advice

Annuities have more problems than benefits: Independent Financial Advice

Congress' budget deadline nears, crisis looming: Independent Financial Advice

Distribution Season Tax Traps You Must Know: Independent Financial Advice

Euro Crisis to Damage 401k’s: Independent Financial Advice

California’s new low cost 529 Plan: Independent Financial Advice

Unemployment rate actually worse: Independent Financial Advice

Friday payroll news to provoke QE3: independent financial advice

MF Global bankruptcy: scary implications of Eurozone may cause global crash. Independent Financial Advice

MF Global bankruptcy: Two points you must know to protect yourself: Independent Financial Advice

Two things you must know about bond investing: Independent Financial Advice

Two things you must know about Euro crisis: Independent Financial Advice

Investment tools that can damage your assets: Independent Financial Advice

Eurozone bailout two things you must know: Independent Financial Advice

Three things you must know about protecting your 401k: Independent Financial Advice

Accounting gimmicks hurt investors: independent financial advice

Eurozone crisis to lead to recession: independent financial advice

Two tax items that warp stock values: Independent Financial Advice

Six things you must know about 401k risks: Independent Financial Advice

Three mortgage crisis items you must know: Independent Financial Advice

Refinance plan to harm mortgage investments: Independent Financial Advice

Bear Forecasts a Bullish Stock Market: Independent Financial Advice

Three Bear Market strategies you must know: Independent Financial Advic

Dividend investing – can it beat the market? Independent Financial Advice

Bond Bull Market To Continue: Independent Financial Advice

Fooled by economic statistics: Independent Financial Advice

Fix the debt crisis now: Independent Financial Advice

Portfolio allocation errors that can damage your retirement: Independent Financial Advice

Shocking mistakes by EU and U.S. experts to create new crisis: Independent Financial Advice

Use risk control to get best investment results: Independent Financial Advice

Dollar devaluation prediction: Independent Financial Advice

Today’s unemployment report – the quiet before the storm: Independent Financial Advice

Tomorrow’s unemployment report may be the start of something terrible: Independent Financial Advice

Steve Jobs has passed on. He exemplified creative contrarian independent behavior

Mortgage defaults offer hint at investing skills: independent financial advice

Emerging Markets Currency investing: independent financial advice

Independent Financial Advisors and Bank Investment Advisors: Independent Financial Advice

Foreign Currency Investing: Independent Financial Advice

September's Best Posts: Independent Financial Advice

Recession Coming: Independent Financial Advice

China Economy Cooling Down: Independent Financial Advice

Eurozone Debt Crisis Ready to Blowup: Independent Financial Advice

Five key elements of financial planning: independent financial advice

Euro Bailout Won’t Work: Independent Financial Advice

Does Buy and Hold Investing Work? Independent Financial Advice

Foreign Currency Bonds: Two things You Must Know: Independent Financial Advice

How to avoid worrying about stock market: Independent Financial Advice

Understanding Foreign Currency Bonds: Independent Financial Advice

Fed’s Twist Results in Deep Crash: Independent Financial Advice

Fed’s Twist: How does it affect Foreign Bonds? Independent Financial Advice

Understanding the Euro Crisis: independent financial advice

Emerging Market Currency – is it OK?: independent financial advice

Emerging Market FX to Decline?: Independent Financial Advice

Foreign Currency Investing: independent financial advice

Is gold fairly priced: independent financial advice

Lessons from Emerging Markets: independent financial advice

Three things you must know about the crash: independent financial advice

Shiller PE 10 still correct: independent financial advice

Home price to income metrics wrong: independent financial advice

Low rates can be a trap for REIT’s: independent financial advice

Stocks vs. bonds: you must know this about Sharpe ratio: independent financial advice

Two Things You Must Know About Asian Currencies: independent financial advice

Three Items You Must Know About Gold: independent financial advice

Three Items You Must Know About Ratings Agency Downgrade of Treasuries: independent financial advice

Don’t worry about the stock market: independent financial advice

Ratings agency downgrade of US Treasuries: independent financial advice

Do it yourselfer hires an advisor: independent financial advice

Secrets of bond investing you must know: independent financial advice

Stocks crash, bonds rally: Independent financial advice

When to buy equities: independent financial advice

Treasury Deficit Crisis: independent financial advice

Best posts of July, 2011: independent financial advice

Protecting 401K from Treasury default: independent financial advice

Fixing government spending crisis: independent financial advice

Debt crisis hurts 401K’s: independent financial advice

Planning for Treasury debt default hurting 401K's: Independent Financial Advice

How do you “opt-out” of inflation? Independent Financial Advice

Solution to Treasury debt ceiling crisis: Independent Financial Advice

Two scenarios you must know about Treasury debt ceiling crisis making 401K’s go down: Independent Financial Advice

Federal debt ceiling crisis worsened today: Independent financial advice

Two things you must know how Debt Ceiling crisis hurts 401K’s: Independent Financial Advice

Two things you must know about debt crisis damaging 401K’s: Independent Financial Advice

Which is better: real estate or stocks? Independent Financial Advice

Two things you must know about the Renminbi: Independent Financial Advice

When will interest rates return to normal: Independent Financial Advice

How to protect your 401k from a Treasury Default: Independent Financial Advice

Treasury Default Like the Start of World War I: Independent Financial Advice

Two Things about Treasury Default You Must Know: Independent Financial Advice

Four Reasons Not to Worry About Money You Must Know: Independent Financial Advice

Foreign Bond Crash News You Must Know: Independent Financial Advice

Treasury Bond Rally: Independent Financial Advice

Treasury Debt Crisis 401K Investing: Independent Financial Advice

Are REIT’s a good investment? Independent Financial Advice

How to solve the housing crisis: Independent Financial Advice

Four investment tools you must know: Independent Financial Advice

Two things you must know about debt ceiling crisis: Independent Financial Advice

Japan’s Monetary Policy: Independent Financial Advice

Boost yield on liquid assets: Independent Financial Advice

Best blog posts of 2nd quarter 2011: independent financial advice

Will Tech Bubble 2.0 Create a Stock Crash? Independent Financial Advice

Will Relatives Destroy Your Retirement? Independent Financial Advice

Real Estate Valuations May Be Wrong: Independent Financial Advice

Must read: avoid these seven 401k rollover mistakes. Independent financial advice

Why Real Estate Forecasts are Wrong: Independent Financial Advice

Should you prepay your mortgage? Independent financial advice

Arnott wrong on inflation tools: independent financial advice

Negative interest rates: independent financial advice

Buying a business with a 401k: independent financial advice

Boosting retirement income – avoid traps: independent financial advice

Are your funds trapped in a 401K? Independent financial advice

401K contributions are not always good: independent financial advice

Greek financial crisis may be Europe’s Lehman crisis: independent financial advice

Mutual fund selection by advisors: independent financial advice

Ricardian equivalence: independent financial advice

Deflation news: independent financial advice

What do gold and U.S. bonds have in common: independent financial advice

Bond investing during low rates: independent financial advice

Real estate crash will continue: independent financial advice

Bearish fundamentals in the news: independent financial advice

Deflation evidence in the news: independent financial advice

U.S. Treasury default is a bad idea: independent financial advice

Taxes need adjusting for inflation: independent financial advice

Tax traps in 401K’s: independent financial advice

Dangers of mutual fund distributions: independent financial advice

Jobs report confirms bond bull market: independent financial advice

Prepare for a crash: independent financial advice

Financial Planning Association lectures: independent financial advice

T-bond yields reach new low: Independent financial advice

Do bearish advisors add value? Independent financial advice

Do you need an advisor in a bear market: independent financial advice

How much gold needed to pay off debt: independent financial advice

Buy and hold investing does not work: independent financial advice

Sortino ratio versus Sharpe ratio: independent investment advice

7 strategies for a dollar crash: independent financial advice

Tech IPO bubble affects real estate: independent financial advice

LinkedIn IPO sign of bubble top: Independent financial advice

Economy heading back to disinflation: independent financial advice

Three devaluation stories you must read: independent financial advice

Two deflation stories you must read: independent financial advice

7 things about deflation you must know: independent financial advice

Two things about devaluation to know: independent financial advice

Surprising facts about housing crash: independent financial advice

Two surprising facts about devaluation: independent financial advice

What is the proper value of gold: independent financial advice

Investment risks revealed: independent financial advice

Unemployment problem unsolved: independent financial advice

Deflation strikes marketplace: independent financial advice

Prices, assets going down: independent financial advice

Economy may be getting softer: independent financial advice

April's best blog articles: independent financial advice

Osama Bin Laden killing: independent financial advice about affect

Bears should not capitulate: independent financial advice

Dollar devaluation investing: independent financial advice

Copper bubble explained: independent financial advice

Odds of another Oct., 1987 crash: independent financial advice

Investment hedges against dollar decline: independent financial advice

Hedge against a falling dollar: independent financial advice.

Bill Murray and Ben Bernanke: independent financial advice

Apartment foreclosures lowering inflation: independent financial advice

U.S. debt rating cut to negative: independent financial advice

Inflation creation machine is broken: independent financial advice

Deflationary items in the news: Independent financial advice

Black swans and risk aware investing: Independent financial advice

Dollar collapse contingency planning: independent financial advice

Real estate deflation continues: independent financial advice

Will rising rates kill bonds? Independent financial advice

Government shutdown and dollar collapse? independent financial advice

Which is best: ETF's or mutual funds? Independent financial advice

Contrarian view of inflation hysteria: independent financial advice

80% of loans were not safe: independent financial advice

Economic slowdown ahead: independent financial advice

Don't be fooled by jobless report: independent financial advice

Most popular posts for March, 2011: Independent financial advice

Hidden economic weakness: independent financial advice

Copper market looking weak: independent financial advice

Economy to weaken: independent financial advice

Bearish housing market: independent financial advice

Weak economy implies caution: independent financial advice

Housing glut lowering inflation: independent financial advice

Bearish news items suggest caution: independent financial advice

investments for a dollar collapse; independent financial advice

Housing market still bearish: independent financial advice

Deflationary items in the news: Independent financial advice

Gold mining stocks risky: independent financial advice

Will rents go down: independent financial advice

Will rents rise: Independent financial advice

China economy cooling: independent financial advice

Black Swans Now a Regular in Market: Independent financial advice

Japan earthquakes and investments: Independent investment advice

China's hidden loan bubble: independent investment advice

Japanese quake can inspire Californians to be prepared here

Will the dollar be devalued: independent investment advice

Earthquake safety advice

Huge quake's lessons for investors: independent investment advice

Will Asian inflation spread to the U.S.: Independent investment advice

Treasury Bonds to be OK: Independent investment advice

Disinflationary news items: independent investment advice

Equity Risk Premium's role in stock selection: Independent investment advice

How do bond market vigilantes get protection: independent investment advice

Will the dollar collapse: independent investment advice

Investment standard deviation: Independent investment advice

Foreign currency investments: Independent investment advice

what is the potential source of inflation: Independent investment advice

Will housing distort the CPI? Independent investment advice

China stability and policy continuity: independent investment advice

Asset allocation with crashing dollar: Independent investment advice

Berkshire losses 48% on junk bonds: Independent investment advice

Giant hedge fund interviewed on CNBC: independent investment advice

New way to examine Muni risk: independent investment advice

Hong Kong expert forecasts crash: independent investment advice

When will the Fed tighten: independent investment advice

QE2 won't work and will damage the Fed: Independent investment advice

Fundamental investing rules: independent investment advice

QE2 and the Fed losing credibility: Independent investment advice

Oil bubble won't create inflation: Independent investment advice

Are Bank Loan Funds a good investment? Independent investment advice

Housing not comparable to the past: Independent investment advice

Independent investment advice: Finally the market begins to weaken

Russia Forum experts debate risks of dollar collapse: Independent investment advice

Independent Investment Advice: Capitalism 4.0 Reviewed

Wall Street Revalued: Imperfect Markets and Inept Central Bankers

Free Special Report: Independent investment advice

Inflation is good for Emerging Markets: Independent investment advice

Independent investment advice: Sharpe ratio versus Information ratio

Independent investment advice about inflation

Independent investment advice about Muni bonds

Independent investment advice: Maintain a bearish position

Retirement Planning: Independent Financial Advice

China Loans Lead to Lower Returns: Independent Investment Advice

Independent Investment Advice: Municipal Bonds Looking Riskier

China Crash - What Are The Risks? Independent Investment Advice

China's Market Cooling: See Our Independent Investment Advice

Independent Financial Advice: Real Estate Crash That Won’t Go Away

Independent Investment Advice: Think Like a Banker

China's Inflation May Lead to World Recession

Where are the Bond Vigilantes?

Independent Investment Advice This Week: No Change in the Economy

Increasing Results Using Risk-Aware Investing

Economic Book Review: The Age of Deleveraging

Independent Investment Advice: Probability of Eurozone Default

Is economic recovery possible even if housing remains depressed?

Housing Crash Lasted Longer Than Great Depression of 1930's

Independent Investment Advice: Hugh Hendry Appears On Bloomberg

Independent Investment Advice: Eurozone Getting Riskier

Independent Investment Advice: Evaluating Gold

Financial Planning: One Year to Retirement Planning

Should You Refinance Now? Get Independent Financial Advice

Stock Ownership Lasts 22 Seconds. Get Independent Investment Advice

Independent Financial Advice: How to Retire at Age 30

Independent Investment Advice: Euro to Decline Against Dollar

Will Eurozone debt crisis get worse?

World economy to suffer in slump for a long time

The cost of the 2008 bailout was not so bad

Should you seek independent investment advice during a bear market?

Albert Edwards Warns of China's Bubble Bursting

Independent Investment Advice Inspired By Schiller

Independent Financial Advice Needed for Bond Market

Can Independent Investment Advice Protect Investors From a Crash?

Independent Investment Advice: U.S. Equities are 70% Overpriced

China's Bubble: Lending Exceeded Quota by 40%

Has the economy recovered enough to justify the stock market prices?

Bond Investing During Holiday Season

David Rosenberg was on CNBC 12-21-2010

Today’s Bond Market Decline is Not the End of the Great Recession

Financial Planning Ideas For Year End Tax Planning

China - is it a Bubble?

Why I’m Very Bullish For Long Term

More confirmation of disinflation

The three potential sources of inflation are:

“There are no policy remedies for debt deflation” Hugh Hendry

Fed Made Massive Loans to Hedge Funds in 2008 Crisis

Inflation Protected Investments: Overpaying for Insurance?

$9 trillion loss for European banks

The Effects of QE2 Will be Negated by a Market Crash

Disclaimer: blog is for education only and is not financial advice

Deflation: Future Theme of Investing

Repeat of 1930’s Trade Wars

Economics of Investing During a Soft Depression

Thanksgiving: Things to be Grateful for

Probability of Deflation

Ireland Bailout

Deflation Forecast Remains Firm

With Premiums Increasing Should You Get LTC Insurance?

What’s Your Risk Tolerance?

Western Nations Have Learned Nothing and May Repeat Japan's Mistakes

30 Year Treasuries Expected to Increase in Value

Forecast for 2011

Mayflower Capital


Donald Martin, CFP®

1000 Fremont Ave. Ste. 135

Los Altos, CA 94024

(650) 949-0775

Don@mayflowercapital.com



Donald Martin is a NAPFA-Registered Fee-Only financial planner and investment advisor.

Geographical service area concentrated in: Los Altos, Mountain View, Palo Alto, Sunnyvale, Santa Clara, San Jose, Menlo Park, Los Gatos, Cupertino, Santa Clara County, Silicon Valley, San Mateo County, San Francisco Bay Area.