Rebalance Accounts Regularly
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A year ago when the markets were all setting new highs, people were asking what they should do with their retirement portfolio. I answered, “Rebalance.” Now that the market is setting new lows, I get the same question, and my response hasn’t changed.

Inflation Part 3: Protecting Yourself Against Inflation
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You can hedge your assets against underreported inflation and protect your retirement goals.

Inflation Part 2: The Results of Underreporting Inflation
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Inflation at this rate causes serious harm to our nation’s economy and its citizens.

Inflation Part 1: How the Government Lies About Inflation
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Officially, inflation today is calculated about 4%. Unofficially, it is over 7%.

Maximum Safe Withdrawal Rates in Retirement
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Certain assumptions such as maximum safe withdrawal rate are critical in order not to compromise a long and successful retirement.

Taking Early Retirement Withdrawals
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Eight exceptions to the age 59.5 rule allow for penalty-free withdrawals.

That Rebate Check Could Ruin Your Retirement Part 2
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You can’t spend money apart from your lifestyle because that’s the definition of lifestyle.

Tax Rebates Are a Losing Proposition Part 1
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Tax rebate stimulus checks are a cheap and inefficient gimmick.

Subprime Lending
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The subprime mortgage meltdown has cost the world 15% of its market capitalization, about $9 trillion. The primary culprit who caused all of this financial loss, pain and suffering is not the mortgage companies.

First Quarter Review 2008
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Systemic problems in your portfolio will continue even after the markets rebound.

Tax Freedom Day 2008
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If the federal tax cuts expire, we will have to work an extra week for the government.

529 Plans Help with Estate Planning
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A $360,000 investment can remove over $2 million from their taxable estate, savings $900,706 in estate taxes.

Decide to Be Rich
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It used to be that becoming a millionaire was regarded as a huge achievement. In today’s dollars, however, it is fairly trivial. The new rich is over $5 million.

Ignore Daily Financial Noise
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Investors are fickle. Investing should not be. When your investments go down, even slightly, you may be tempted to make poor choices.

Gold Mining Companies Glitter More Than Bullion
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Gold may glitter, but it is still better to own the mine.

Remember to Fund Your Roth IRA
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Historically, income taxes have not been this low since 1931.

Loss Aversion
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Psychologists suggest we feel a loss about 2.5 times as much as an equivalent gain. Even with a brilliant investment plan, it takes diligence to overcome our emotional biases and avoid making investing mistakes.

Eliminate the Capital Gains Tax
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The correct rate for the capital gains tax is zero, zip, nada. Perhaps it is even negative!

Learning to Live on Your Own, Part 2
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Here we offer some sound advice on how to put the money you’ve saved to work for you.

Learning to Live on Your Own, Part 1
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If you’re like most of today’s college graduates, you may find yourself ill prepared for the real world of financial responsibility. You never saw how your parents lived when they were first married and struggling. Consequently, you may be basing your after-school expectations on an upper-middle-class lifestyle. Here is my financial advice for those of you learning to live on your own.

For Now, Avoid Real Estate Investment Trusts
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Just over two years ago, we warned our readers that real estate prices might be peaking and ready to correct.

Financial Help for the New Year
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You owe it to yourself and your family to make certain you keep your financial New Year’s resolutions this year.

Scrooge’s Former Boss Fezziwig Is a Nester
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Scrooge’s riches did not make him happy. Fezziwig’s celebration did not make him poor.

Scrooge’s Nephew Fred Is a Traveler
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Ebenezer Scrooge’s nephew Fred is the character young people most easily relate to. He is young himself, carefree, in love and enjoying life with his friends.

How Shrewd Investors Save on Taxes
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You can use both investment losses and investment gains to good tax advantage.

Cash Has Been the Riskiest Investment
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If you think hiding money under your mattress is a risk-free way of building wealth, think again.

Medicare Medical Savings Account Plans
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Unlike Medicare Part B, a Medicare MSA account caps your liability.

How Medicare Works
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In some cases you will have to pay the $135 deductible plus 20 percent of the remaining costs.

Fund Your HSA To Cover Retirement Healthcare Costs
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Excess contributions to your HSA can be withdrawn after age 65 without penalty just like a traditional IRA.

IRAs Offer Big Tax Savings for Charitable Gifts
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Only contributions made to charity before January 1, 2008 can be characterized as qualified charitable distributions.

Dorothy in Taxland: Below the Line Deductions
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Below the line deductions are uncertain. Like many items in the tax code the correct answer to “Will they reduce my taxes?” is: “It depends.”

Dorothy in Taxland: Tax on Marriage
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As Glinda advises us, “It’s always best to start at the beginning,” and at the beginning of the tax return is determining your filing status.

Dorothy in Taxland: Above the Line Deductions
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Most Americans look backward and only hope that Uncle Sam will return some of what they have already paid, but those with wealth look ahead and adjust their affairs according to the tax code.

University Students: Getting Sucked Dry by Credit Cards
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Last week we listed the ways university student are enticed into using credit cards. This week we will examine the economical impact of those initially small and convenient monthly payments.

University Students: Getting Suckered in with Credit Cards
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Although 60% of college student’s pay off their balance each month, that leaves 40% who do not.

With Great Characters Come Great Stock Returns
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Marvel only gets 31% of its revenue from publishing comic books.

Managing Your Biggest Asset: Your Career
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A lesser-paying job may be better for your long-term career because of the skills you will gain.

Foreign Freedom Investing 2007
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On average, international stocks appreciate more than US stocks. What’s more, companies located in countries with the most economic freedom typically appreciate more than the broader international average.

You Too Can Become a Billionaire
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Learning how billionaires amass their wealth may expand your financial horizons and possibly stimulate some ideas that could lead to your name being added in the future.

Bankruptcy Is Sometimes the Best Option
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Most people want to honor their debt. But many families have allowed their debt to spiral out of control, and they feel helpless, ashamed, and at a loss to know what to do. While bankruptcy isn’t anyone’s first choice, sometimes it is an important choice to consider.

Evan Almighty: Financing a Block Buster
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Those actually seeing the movie in a theater provide only 14% of a film’s revenue.

Consider Delaying Social Security Benefits
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Waiting for the higher payout is like buying longevity insurance.

Hedge Inflation Risk with Hard Assets
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One of the asset classes that we use to build diversified portfolios consists of hard asset stocks.

Portfolio Rebalancing Boosts Returns
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Rebalancing your investments can help boost your returns and minimize risk. This simple contrarian move can help you compound your investment gains over time. With the markets at an all-time high, this may be a good time to rebalance your portfolio.

Financial Harmony In Marriage
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If you don’t have the time or the interest, you may be the problem.

Tax Freedom Day Arrives on April 30, 2007
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Without taxes, you could leave work at 2:25pm.

Buying a Car Without Breaking the Bank
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It is possible to avoid driving a wreck without wrecking your finances.

Familiarity Breeds Concentration
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Investors have been told, “Invest in what you know.” While this may have been a good adage for avoiding investing in companies with no business models, it is a poor rule of thumb to use when building diversified portfolios.

Breaking Spaghetti: A Seven-Year Financial History
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Stress released in one area results in delayed releases in other parts of the economy.

Financial Planning For The Second Half Of Marriage
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Check your retirement, your marriage and your mission.

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