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Excess contributions to your HSA can be withdrawn after age 65 without penalty just like a traditional IRA.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.

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.

Portfolio Allocation: Risk-Return Mix
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Portfolio construction begins with the most basic allocation between investments that offer a greater chance of appreciation (stocks) and those that provide portfolio stability (bonds).

Start Your Own Dynasty Trust
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Unlike the trusts which helped John D. Rockefeller and J.P. Morgan keep their wealth in the family, this new breed of dynasty trust is not just for the mega-wealthy.

Be Choosey When Giving to Charity
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When you give to charity, you make an investment. By doing a little homework, you can be sure your gift makes the best possible return on investment. While giving is its own reward, giving wisely seems to double that reward.

Donor Advised Funds
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Donor Advised Funds offer the charitably inclined new flexibility for managing gifts to charity. By funding an account, donors receive an immediate tax deduction for their contribution and gain the flexibility to direct payouts to charity on their own timetable.

IPS: Build Your Financial Dream Home with a Good Blueprint
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Without a financial plan, your investments are controlling your dreams, not the other way around. You need a blueprint for your financial dreams to come true. That blueprint in sound financial planning is called an Investment Policy Statement (IPS).

What the Rich Know and the Poor Do Not
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How much should I save this month? What return did I earn last year?

Financial Planning Begins with Spiritual Values
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Financial planning is the process of aligning your financial choices with your life passions. Values transcend the cash and the numbers.

Belle Didn’t Really Love Scrooge
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Belle measures Ebenezer’s love for her by what he spends on her directly. Investments count for nothing.

Tax Planning Tips for 2006
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In order to make full use of these tax-saving tips, be sure to visit your tax professional before year’s end. Once January 1st rolls around, there’s little else you can do but pay up.

Tax Planning for Small Business Owners
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Solo 401ks permit you to contribute to the plan both as the “employer” and as the “employee.”

Conservation Easements
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Before executing a conservation easement donation, you should be certain that it is in line with your financial goals.

P/E Ratio
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P/E ratio tells you how many dollars you have to invest to receive $1 in earnings.

Virginia Is For Business Lovers
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More businesses migrate across state borders than national borders.

David John Marotta: What Is A Contrarian?
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The markets are brilliant long-term, but short-term they have the IQ of a gnat.

Foreign Freedom Investing 2006
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On average, international stocks appreciate more than US stocks, and stocks in countries with the most economic freedom appreciate more than the international average.

Socially Responsible Investing
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Delegating your morality to a fund’s screening process is like using a blunt instrument to do brain surgery.

Avoid Capital Gains Tax on the Sale of Your Home
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Consider moving your official place of residence to your vacation house, live in it 760 days out of five years, and then take the exclusion.

O Canada, The True North Strong and Free!
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Canada is the one major country that is not included in the EAFE (Europe, Australia, and Far East) foreign index. Not only are they good neighbors but a good investment.

Health Savings Accounts
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One out of every ten patients consume 69 percent of health care costs. The other nine would benefit from an HSA.

Seven Financial Rules For Marital Bliss
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An overwhelming number of failed marriages cite financial troubles as a major factor in their breakup.

Outlook May 2006
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Rebalancing means selling what has done well and buying what has done poorly, not visa versa.

Tax Freedom Day Arrives on April 26th, 2006
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Due to our progressive tax system, your taxes increase even if your buying power does not.

Donald Mortlock – Making a Free Market
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My grandfather Donald Mortlock worked on Wall Street during and after the 1929 crash. The firm he worked for was a “market maker,” a company which helped to literally “make a market” in several stocks.

Florence Mortlock – Dignity is a Happy Ending
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The life of my grandmother Florence Mortlock provided me with many life lessons on finance and financial planning.

VRS: A bird in hand or two in the bush?
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Many people in this situation would choose the quick cash.

Eighty – Twenty Rule of Asset Allocation
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Investors are quick to forget that the markets also go down.

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