Category: Investing

Retirement, Income, Tax & Estate Planning.

What’s better: A Stretch IRA or Life Insurance?

Ed Slott is probably the most well-known IRA expert in the country.  I’ve had the pleasure of breaking bread with Ed several times over the past ten years and enjoy not only his huge reservoir of IRA knowledge but his keen sense of humor.  Rarely does a weekend go by that Slott isn’t quoted in…
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August 14, 2014 0

Indicators That Preceded Past Downturns Are Flashing Now

So much for new market highs every other day…or so it seemed.  After the market rout on the last day of July, the Dow Jones Industrial Average was basically flat year to date with the S&P 500 up 4.4% as of the end of July. If you are a dedicated reader of these weekly columns,…
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August 8, 2014 0

First Quarter Market Results Are In

Monday ended the first quarter, and the markets were pretty much flat since the first of the year.  The S&P was up less than 1% for the three months while the Dow was down 1.3%.  While the major averages didn’t move very much, for many, it sure felt like a roller coaster ride again.  Markets…
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April 3, 2014 0

Corporate insiders ARE selling. Should you?

Who knows more about what is happening to a company than the executives of that company? The answer is, of course, no one. Given this thought, doesn’t it make sense to pay attention to whether this group of insiders are buying or selling their own company stock? You bet! For example, company executives were selling…
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March 20, 2014 0

What Does A Bond Bear Market Look Like?

Since 1981, interest rates have steadily fallen. For bond values, that represents the Garden of Eden, as bond values are inversely related to interest rates. And to be clear, inversely related means that bond values move in the opposite direction as interest rates. Here’s the problem. As you are probably aware, interest rates are about…
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March 7, 2014 0

Will This Be The Year The Market “Corrects”?

For the last couple of years, market prognosticators have been predicting a market correction. But thanks to the Herculean efforts of the Fed’s 24/7 money printing machine, markets had avoided the dreaded “correction” so far. Or…maybe not? It’s late Monday afternoon as I pen this column, having just gotten home from the office after another…
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February 7, 2014 0

Seven Things People Often Get Wrong About IRAs

IRAs are some of the most common types of accounts Americans invest in for their retirement.  They are so common that you would imagine everyone knows all about them and how they work.  That’s hardly the case.  To start off, most people think IRA stands for Individual Retirement Account but according to IRS Publication 590,…
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January 28, 2014 0

Target Date Fund Use in 401(k) Plans Increasing

According to a recent article in Financial Advisor Magazine, the use of target-date funds in 401(k) plans continues to grow, according to a report released today by the Investment Company Institute and the Employee Benefit Research Institute. At the end of 2012, 41 percent of 401(k) participants held target-date funds, compared with 39 percent in…
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January 13, 2014 0

Washington Update

As I pen this column, the government is still shutdown because the politicians in Washington, DC can’t seem to get along. It’s happened before, and it is very likely to happen again, especially given how serious our financial issues are and how members of the house and senate seem way more concerned about winning reelections…
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October 11, 2013 0

Odds and Ends

DEADLINE. If you converted a traditional IRA to a Roth in 2012 and have changed your mind, you have until October 15 to reverse the conversion. Recharacterizing will wipe away the tax bill you would otherwise owe. UNCLAIMED CASH. Conduct a free search at to see if a state treasury has unclaimed assets in…
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September 20, 2013 0