Radio: Charlottesville 2018 Health Insurance
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“When Congress acts, whatever it is called it will do the exact opposite. So the Affordable Care Act will make plans not affordable.”

#TBT A Compromise to Achieve Universal Coverage
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“Once the incision is made, there is no turning back. And without a clear understanding of economics, our experimental treatment may kill Uncle Sam.” It’s too bad Congress didn’t take this 2009 article’s advice yet.

Understanding H.R.1 Tax Cuts and Jobs Act
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It looks like something from this proposal will become law. Right now, the bill is in committee where the differences are being resolved.

#TBT Three Reasons To Engage In Gift Giving
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This 2015 article is one of my favorites. The holiday cliché is to complain about hyper-materialism, but according to anthropologists, gifts and gift giving help shape our identities.

Employers Who Offer A Retirement Plan Have A Fiduciary Responsibility
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Every business owner or director of a non-profit should realize that if they don’t take their fiduciary responsibility seriously they are legally liable for their neglect and inaction.

#TBT SEC Requires New ADV Part 2 Disclosure Form
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This 2011 post marks the birth of the SEC-required “plain English” descriptive brochure of disclosures. As David Marotta predicted, this new requirement was just another feel-good legislation aimed at making people feel safer without actually making them safer.

“Deductions are Expensive” and Other Mistakes in the News
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I recently watched a video by VOX called, “How tax breaks help the rich.” In the video, they discuss wealth inequality and claim that one of the biggest drivers of inequality is the tax code.

#TBT Everyone needs some frivolous purchases
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Everyone needs some fun in their life, and sometimes fun costs a little money. This 2004 article shares six guidelines for dealing with purchases that might be considered frivolous.

#TBT The Economics of a Thanksgiving Turkey
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This 2014 article changed the way we enjoy our Thanksgiving turkeys. Turkeys have always been an interesting study for economics. Because of the consistency of their demand in America, the price of a Thanksgiving turkey can be used as an indicator of inflation. Because of federal subsidies, the diet of factory-farmed turkeys is very limited. This article should give you something fun to discuss this year.

Radio: Equifax Breach and Financial Peace
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David John Marotta was interviewed on Radio 1070 WINA’s Schilling Show discussing the Equifax breach and Financial Peace University.

How To Double Your Money As Quickly As Possible
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When the client asked my mother, “What is the quickest way to double my money?” she did not hesitate before she answered.

#TBT How to Double Your Retirement
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Doubling your retirement is not a fast process. It is the slow and steady practices of daily financial diligence. This 2004 article remind us, “Every six years you delay saving and investing you cut in half the lifestyle you will have in retirement.”

Revisiting “10 Funds Without a Single Losing Year in a Decade”
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In retrospect, Financial-Planning’s slide show was another bit of distraction from the real work of building brilliant portfolios for long term investing.

What Advantages Do Exchange-Traded Funds (EFTs) Have Over Mutual Funds?
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Exchange Traded Funds (ETFs) have at least a dozen significant benefits over mutual funds and only a few disadvantages.

#TBT The History of Mutual Funds
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93 years ago there was only one mutual fund. Today, there are thousands. This 2003 article tells the story of how this staple of the financial services world got its start.

What Is The Sharpe Ratio?
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At best, the Sharpe Ratio is a single hard coded straight-line preference curve, and the portfolio with the highest Sharpe Ratio is not necessarily the one which will give you the best chance of meeting your goals.

What Is A “Risk-Free” Guaranteed Investment Return?
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There is no such thing as a risk-free, guaranteed investment. Everything has risks.

#TBT What Is The Alternative To An Annuity?
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It is always a good time to be reminded that an immediate fixed annuity is not an investment; it is an insurance product. This 2015 article by David John Marotta is a methodical unraveling of annuities and a description of the far superior alternatives.

Did Obamacare Impoverish Employee’s Retirement Benefits?
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Employers are paying more in benefits, but with the increase in health care costs there is less for retirement contributions.

TD Ameritrade Eliminated Low Cost Commission Free Exchange Traded Funds
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TD Ameritrade has received a large number of complaints. But apparently not enough to change their decision. If you have a TD Ameritrade account perhaps your call will help them change their minds.

Marotta’s 2018 TD Ameritrade Gone-Fishing Portfolio Calculator
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This portfolio uses all TD Ameritrade no-transaction fee exchange-traded funds.

Talking Politics With Clients
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InvestmentNews advocates lying to clients, but I think if your advisor doesn’t have integrity, you can stop there and find a new advisor.

Radio: Getting Your Finances in Order
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David John Marotta was interviewed on Radio 1070’s Schilling Show discussing getting your finances in order.

Navigating Your Employer Retirement Plan Fund Choices
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Since your employer’s plan usually has the most limited number of choices, pick the best it has to offer that fits with in your over all plan.

Choosing Between Your Employee Retirement Account Options
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Putting all of your retirement eggs in one basket is easy to carry, but risky. Fund your employer’s plan with no more than is necessary to get the match and then fund your Roth IRA and build your taxable savings.

Volker’s Bear: The Bear Market of 1982
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Bear markets are often a precipitous decline followed by a slower and steadier recovery. Volker’s Bear is rare in that a slow and steady decline was followed by a sharp precipitous recovery.

Equifax Compromised Your Identity; Lock Down Your Credit.
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The result of this data breach is that anyone with this information will be able to pretend to be you and apply for credit in your name at any time in the future. There is only one way to guard yourself against this possibility: Lock down your credit.

How To Enroll in Equifax’s Free Credit Monitoring
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None of these services makes up for the fact that your sensitive information has been accessed. And after this breach you should assume that every scam artist has all of your information.

Equifax Compromised Your Credit Cards
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Equifax admitted recently that hackers gained access to the sensitive identify and financial information in their database for 143 million people (44% of the U.S. population).

Financial Peace University in Charlottesville
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The Dave Ramsey website has a list of upcoming classes in the Charlottesville area with start dates varying from September 13 through October 11.

The Business of Being an Artist
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Financial planning is simply doing what it takes to give you the means to do what you want. The poorer you are the more you need financial planning. You don’t have any margin for mistakes.

Financial Media Group Sells SEC Required Compliance Emails To Spammers
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One of the problems with government reporting regulations is that personal information is made widely available for abuse.

How Safe is Your Money Market?
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The Securities and Exchange Commission (SEC) changed the rules and required all financial institutions to move pricing their money market from a stable $1.00 price per shares to a floating net asset value.

Gold’s Role In A Portfolio
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Gold advocates will often go to great lengths to tout the advantages of owning gold.

Investing Mistake: Paying Too Much In Investment Vehicle Fees
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There can be great value in the sage advice of a fee-only fiduciary advisor. Even if they brought no value for their investment management, they could still bring great value for their help in comprehensive wealth management. While a competent … Read More

How to Get Started with Retirement Planning
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Most of the assets you use to fund your retirement will come from compounded growth.

How to Set Retirement Goals
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A fee-only financial advisor can provide the decades of support and encouragement to make financial planning, effective life planning.

How to Protect Your Retirement
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For many investors, a fee-only advisor pays for themselves in reduced expenses alone.

Radio: The Case for No Minimum Wage
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David John Marotta was interviewed on the Schilling Show discussing the minimum wage, and the reasons keeping (or raising) a mandatory minimum wage could actually hurt some workers.

How to Adjust Risk Appropriately for Retirement
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Risk is about understanding your own greed, fear and pride.

How to Readjust Your Retirement Plan
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Sometimes the change can be in a direction you did not expect.

Invest Even When Afraid
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You can’t invest for the future in the future. Don’t let your fear of the future ruin your future.

How to Save for Retirement
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Every pay period, pay yourself first. You won’t miss what you don’t see.

How to Plan for Retirement
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Failure to plan for retirement is the primary reason why retirement plans fail.

Retirement Assumptions Are Critical
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Retirement doesn’t give you a second chance. Measure twice and retire once.

Generational Financial Planning Within The Kiddie Tax Limits
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Families that consider generational financial planning techniques can reduce the burden of taxes on the family as a whole.

Morgan Stanley Is A Terrible Choice
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I normally try to refrain from “bashing the competition,” but in this case, the competition’s practices are, at least to me, a moral issue.

How much do you need to save this month?
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Find out today how much you should be saving and investing this month! If you think a $1 million dollar portfolio is overkill, you haven’t really run the numbers.

An Asset Allocation For Your Health Savings Account
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You are unlikely to need funds for any long-term care episode until about age 85. Given the long time horizon, we suggest investing your HSA for appreciation.

Marotta’s 2017 TD Ameritrade Gone-Fishing Portfolio Calculator
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This portfolio uses all TD Ameritrade no-transaction fee exchange-traded funds with the exception of Vanguard Energy ETF (VDE).

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