March 3, 2015

What Does It Mean To Be A Fee-Only Fiduciary?

What Does It Mean To Be A Fee-Only Fiduciary?

Most investors are not aware of an important separation in the professionals of the financial services industry.

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Twitter’s Reign of Terror

Twitter's Reign of Terror

“They find whatever is different and peck it to death.”

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Preparing Your “Digital Estate” – Social Media Edition

Preparing Your Digital Estate

What happens to my Facebook, Twitter, Wordpress, and other online accounts when I die? Could I decide?

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Mailbag: Is There An Advantage For Me To Do A Roth Conversion?

Is There An Advantage For Me To Do A Roth Conversion?

My wife and I are 65 years old and I am newly retired. Is there any advantage in doing a Roth conversion this year?

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Social Security for 70′s Child

Social Security for 70's Child

“I’m 58 and I’ve been married and divorced twice. …I realize this is complicated, but you gotta love the 70′s!”

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How Much Does the Government Cost?

How Much Does the Government Cost?

Is it fair for the government to confiscate a full quarter of the average person’s earnings every year? Where does it all go?

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Oil Price Predictions Are Essentially Meaningless

Oil Price Predictions Are Essentially Meaningless

“The most important thing I learned from my research was never to attempt to forecast the price of oil.”

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“Citizenfour” Reminds Us We Should Still Be Outraged

"Citizenfour" Reminds Us We Should Still Be Outraged

The domestic spying of the executive branch deserves our outrage. Efforts like “Citizenfour” that keep the issue in the public eye deserve our support.

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Get Your Estate in Order, Pt. 3: Choose an Executor

Abandoned Plane

Who do I choose to be the executor of my estate? What will their basic duties be?

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What Happened To The Australian Dollar?

What Happened To The Australian Dollar?

At first glance, AUNZ did not have great returns in 2014. But is that the whole story?

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Taxed Enough Already?

Taxed Enough Already?

An unlimited power to tax necessarily involves a power to destroy.

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Mailbag: Confused by Google And Yahoo Finance

Mailbag: Confused by Google And Yahoo Finance

Q&A: “I don’t understand how to explain what happened to the share price. What was going on in the fund?”

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Three Reasons To Engage In Gift Giving

Gift Giving

The new holiday cliché is to complain about hyper-materialism, but gifts and gift giving help shape our identities.

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Get Your Estate In Order, Pt. 2: Physical Assets

Man in Ocean

Today’s question: What do I want to happen to my physical belongings and assets after my death?

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Dr. Seuss to Zombie Directors – Will You Please Go Now!

Dr. Suess to Zombie Directors

In theory, the directors of a corporation are hired to provide independent oversight and protect shareholder interests. In practice, they’ve developed a reputation as country club chums with the executive managers.

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Who Really Pays the Income Tax?

Who Really Pays the Income Tax?

Income taxes are the largest portion of the federal government’s annual tax haul. But who foots the bill?

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Index of 2015 and 2014 Tax Tables

Tax Tables

Want the full list of tax tables? Here they are in one place for easy browsing.

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The President’s Impact

The President's Impact

Obama evidently believes that politicians are elected to make a difference in the lives of Americans. The problem is that no one can opt out of a federal impact.

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What Is The Alternative To An Annuity?

Question hole

An immediate fixed annuity is not an investment; it is an insurance product.

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Grandparents: Is Your Helping Hurting Financial Aid?

Grandparents: Is Your Helping Hurting Financial Aid?

With careful planning, grandparents can ensure their gifts are not impeding a grandchild’s ability to access financial aid.

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How Much Government: The Math

How Much Government: The Math

See the math behind the dangers of having such a large number of people employed by government.

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Get Your Estate Plan In Order – Even if You’re Only 26

Woman near campfire

Today’s question: What if something happens to me and I am not able to make decisions for myself?

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Wealth Redistribution and the Most Social President

The Most Social President

The loudest tend to drown out competitors regardless of whose reasoning is better.

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Video: My Experience with The Drudge Report

My Dad & The Drudge Report

A short documentary film showing how the media thrives on misleading headlines.

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Other People’s Property

Corporate Governance

Investors have every right to question whether a fund company can cast an impartial vote.

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How Much Government Do We Really Have?

How Much Government Do We Really Have?

Our governments employ 17.44 million people, 14.90% of the full-time working-age US population. This is larger than the 14 least-populous states put together.

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Radio: What Did Well in 2014 and What Might Happen in 2015

Old Radio

David John Marotta and radio host Rob Schilling discuss what did well in the market as well as the online security of investments.

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One Hidden Way the IRS Hurts the Bereaved

One Hidden Way the IRS Hurts the Bereaved

It is often said that the only two certainties in life are death and taxes. The IRS takes that truism to heart.

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Federal Program Inventories vs OMB: $622 Billion Missing

The Missing $622 Billion

With trillions of dollars to spend, you’d think the least the government could do is maintain consistent records.

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What Causes Jack Bogle to Shake His Head

This is What Causes Jack Bogle to Shake His Head

When this poor planning affects the investments in our 401(k) plans and the communities that we live in, we pay more and we get less.

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2015 Tax Facts

2015 Tax Tables

The tax tables have arrived! Here are some highlights to keep in mind for the 2015 tax year.

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The Success of Freedom Investing

The Success of Freedom Investing

It is a simple thought experiment. Would you rather invest in South Korea or in North Korea?

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What Is The US Dollar Index?

What Is The US Dollar Index?

How is the change in the value of the dollar computed?

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Fiduciary Fight Part 5: Lobbyists Won’t Help

Fiduciary Fight

“We’d be fools to underestimate their tenacity and creativity when it comes to protecting their executive bonus pools.”

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How Much Should I Have Saved Toward College in 2015?

How Much Should I Have Saved Toward College in 2015?

With three young energetic boys, the growing costs of college education weigh heavily on my mind. Here are the age-based benchmarks we use to ensure that our 529 college savings is on track to meet our goals.

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What is the Federal Program Inventory?

The FY 2013 Federal Program Inventory

The GPRA Modernization Act of 2010 had a vision: to “provide Congress and the public a clearer picture of the programs that exist across the Federal government.” Like most things in government, it failed to live up to its goals.

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Returns from the Countries with Economic Freedom

Freedom Countries - 2014 Returns

Freedom investing beat the EAFE Foreign index by 7.92% in 2014.

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2014 Returns for Our 6 Asset Classes

6 Asset Classes - 2014 Returns

When asset classes are not correlated that means they often move in different directions.

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Understanding Cash Flow Is Critical

Understanding Cash Flow Is Critical

Regardless of income level, overspending causes poverty.

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Does Past Performance Have Anything To Do With Future Results?

Does Past Performance Have Anything To Do With Future Results?

Is there a correlation which would justify talking about “the momentum of the markets”?

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Fiduciary Fight Part 4: Fiduciary Oath

Fiduciary Fight

“Take a version of this fiduciary oath to the brokers down the street and ask them to sign it. If they refuse, ask why.”

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Trying to Talk to Government? Good Luck.

Trying to Contact Government? Good Luck.

Despite a government “of the people, by the people, for the people”, I have found myself told time-and-again, “You’re on your own”.

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One-Fund Investing

Old Globe

Either of these funds would be a good choice for a one-fund investment if you really want to keep it simple, and you could invest in both of them if you want a two-fund strategy.

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The Delirious Happiness of Free Market Choice

The Delirious Happiness of Free Market Choice

Here is one of the most brilliant breakthroughs in all of food science and how it relates to almost every aspect of life.

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Does Market Volatility Cause Post-Traumatic Stress?

Does Market Volatility Cause Post-Traumatic Stress?

The best antidote to the stress of market volatility is to understand that the markets are inherently volatile.

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Fiduciary Fight Part 3: Distinguish Between Brokers And Advisors

Fiduciary Fight

I love that Bob Veres thinks that labeling someone as a broker or advisor would help bring clarity. It shows his optimism.

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Guess What Statistic Has The Highest Correlation With The S&P 500?

Guess What Statistic Has The Highest Correlation With The S&P 500?

David Leinweber calls this technique, “torturing the data until it screams.”

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Marotta’s 2015 Gone-Fishing Portfolio

Fog Fishing

A gone-fishing portfolio keeps investing simple.

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Marotta’s 2014 Gone-Fishing Portfolio Review

The fishes

A review of last year’s 2014 gone fishing portfolio returns.

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Marotta’s 2015 Gone-Fishing Portfolio Calculator

The fishes

A gone-fishing portfolio has a limited number of investments with a balanced asset allocation that should do well with dampened volatility.

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