August 31, 2015

Which Retirement Account Should I Fund?

Which Retirement Account Should I Fund?

Which account you should fund depends on your circumstances, but here are some general guidelines you can follow to make your decision.

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Which Emerging Markets ETF Should I Buy: VWO or EEM?

Which Emerging Markets ETF Should I Buy: VWO or EEM?

They are based on different indexes and have different expense ratios.

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Marco Rubio and Mike Lee’s Tax Plan

Marco Rubio and Mike Lee's Tax Plan

Rubio and Lee do make definite improvements but sadly, this good is largely undone by a well-meaning but naive tilt of the playing field towards parents.

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Steps for Getting Out of Debt

Oasis in the Desert

I have outlined some steps to help you figure out how to pay down your debt and get back on track.

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How Much Umbrella Insurance Do I Need?

How Much Umbrella Insurance Do I Need?

Umbrella insurance covers you for liability that goes above and beyond your auto and homeowners insurance.

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Radio: Universal School Choice in Nevada

Student Drawing

David John Marotta was recently interviewed on radio 1070 WINA’s Schilling Show discussing Nevada’s universal school choice.

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Is Graduate School a Good Investment? Here’s the Formula.

Is Graduate School a Good Investment? Here's the Formula.

Your future path is sure to take many unexpected twists and turns, but you should run the numbers. Your future self will thank you.

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How Frequently Do New S&P 500 Highs Stick?

How Frequently Do New S&P 500 Highs Stick?

Every time the S&P 500 hits new highs everyone wonders if these new highs will stick.

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Education Improvement Scholarship Tax Credits

Education Improvement Scholarship Tax Credits

Virginia taxpayers can give generously and offset the cost of those gifts through tax credits and the avoidance of capital gains taxes.

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Mailbag: What’s Better At Predicting Future Returns Than Morningstar Stars?

Mailbag: What's Better At Predicting Future Returns Than Morningstar Stars?

How often did it pay to heed the star rating? Most of the time, with a few exceptions. Is there a better method to use?

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How Can I Contribute to Two Roths?

Pineapple in Field

The terminology is a little confusing, but you are allowed to have and contribute to both individual retirement accounts and employment-related retirement accounts.

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Rand Paul’s Tax Plan

Rand Paul's Tax Plan

2016 Presidential hopeful Rand Paul has released a sketch of an intriguing tax plan.

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How to Convert Taxable Savings Into Your Roth IRA

How to Convert Taxable Savings Into Your Roth IRA

Most tax professionals don’t think of such tax planning opportunities, because they have to focus on complying with tax accounting regulations.

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Our 10 Most Popular Posts So Far

Monopoly House on Coin

We have 1,292 posts on Marotta on Money, but here are the 10 most visited posts on our blog.

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Lessons From The Lottery

Lessons From The Lottery

For those of us who don’t like playing the lottery, does the lottery have anything to offer us?

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Mailbag: What Happened To The Markets In 2008?

Mailbag: What Happened To The Markets In 2008?

You shouldn’t invest in what you don’t understand.

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Fund Your Roth IRA Even When You Can’t Afford It

Fund Your Roth IRA Even When You Can't Afford It

Sometimes, there isn’t enough to do it all. Even then, fund your Roth.

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What Should I Do With a 401(k) From a Previous Employer?

ballet leap

You have 3 basic options, but whichever option you choose, do not lose track of the accounts you own.

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Can I Fund My Roth With Book Publishing Royalties?

Can I Fund My Roth With Book Publishing Royalties?

Roth IRAs can only be funded with earned income and therein lies the confusion.

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Do The Opposite of Wall Street Consensus?

Do The Opposite of Wall Street Consensus?

Contrarian indicators have paid off historically.

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How to Save for Large Fast-Approaching Expenses

How to Save for Large Fast-Approaching Expenses

The average married couple has dreams of multiple children, annual vacations, and homeownership, but planning for these expenses can be challenging.

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Mailbag: Are Energy Funds A Good Buy?

Mailbag: Are Energy Funds A Good Buy?

The connection between the price of oil and the price of oil companies is loose.

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Second Quarter and Year-to-Date Returns for Our 6 Asset Classes

YTD 2015 Asset Class Returns

Despite the headlines, the global equity markets posted gains last quarter and for the year.

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The Behavior Gap: Finding Your Financial Balance

The Behavior Gap: Finding Your Financial Balance

Planning for your financial future is largely a question of dealing with the constant tension between living for today and saving for some future event.

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How to Take Advantage of Student Loan Forgiveness

How to Take Advantage of Student Loan Forgiveness

You might think that you can’t qualify, but many well-paid families are eligible.

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How to Get Out of Debt: Summary

Oasis in the Desert

This is a visual summary of the process of getting out of debt.

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Managerial Lessons from Game Mastering

Managerial Lessons from Game Mastering

Pen-and-paper roleplaying games have a lot of unique lessons to offer, particularly for policymakers and managers.

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Mailbag: What Does The Shanghai Composite Being Down 32.1% Mean?

Mailbag: What Does The Shanghai Composite Being Down 32.1% Mean?

Is it a crash or just a correction? On average, the drop from peak to trough takes 85 days and the markets have recovered after another 107 days.

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How Quickly Should I Pay My Student Loans?

How Quickly Should I Pay My Student Loans?

For those who do not want to be investors, a fast-track repayment may be best. But for those willing to save and invest, there is a better option.

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What Should I Do When They Close The New York Stock Exchange?

What Should I Do When They Close The New York Stock Exchange?

Is there something I need to do today or tomorrow?

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Investment Stewardship Has Come a Long Way

Investment Stewardship Has Come a Long Way

Advisors have helped to shift fund management toward stewardship, but many fund companies still have room for improvement.

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Only 20% of Advisors Avoid Active Management Strategies

Active Management Strategies

The majority of advisors make the mistake of having significant or moderate use of actively managed funds.

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How to Intentionally Realize Capital Gains

How to Intentionally Realize Capital Gains

Careful tax planning can avoid much of the capital gains tax.

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How to Get Out of Debt: Rebuild

Bright Desert Mountains

You have laid a good foundation: you are out of debt (or out of bad debt) and you’re ready for a clean start. Commit to keeping your financial life that way.

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Why is Organic Food Expensive?

Why is Organic Food Expensive?

Organic food has a reputation for being healthier than non-organic food, but neither of these claims should be taken at face value.

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The Markets Are Inherently Volatile

Does Past Performance Have Anything To Do With Future Results?

Most investors don’t understand what that means.

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The Complete Guide to Automating Your Savings

The Complete Guide to Automating Your Savings

After automating your entire investment plan, you can save and invest without even having to watch.

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Marotta’s 2015 Vanguard Gone-Fishing Portfolio Calculator

Marotta's 2015 Vanguard Gone-Fishing Portfolio Calculator

If you are using Vanguard, we have created a gone fishing portfolio using only low-cost Vanguard mutual funds to help save money on transaction costs.

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How to Get Out of Debt: Monitor and Adjust

Driftwood on the Beach

Real life rarely goes according to plan. Set aside time periodically to assess your progress.

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What Is The Relationship Between Turnover Rate and Returns?

What Is The Relationship Between Turnover Rate and Returns?

A high turnover rate is not something you want in a stock fund.

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What To Do When The Stock Market Drops 1800 Points

What To Do When The Stock Market Drops 1800 Points

What should you do before a market correction? What about after? The answer is the same.

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How to Select Securities

How to Select Securities

Your investment strategy is critically important but the implementation requires wise fund selection.

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Radio: Knowing When to Realize Capital Gains

Old Radio

David Marotta was interviewed on the radio discussing how to figure out know when to realize capital gains and how much to realize when you do.

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What Is The Correlation Of Freedom Investing?

What Is The Correlation Of Freedom Investing?

Should we have a “Free Countries Asset Class” or a “Foreign Stock Asset Class?”

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What Is The Relationship Between Number Of Holdings and Returns?

What Is The Relationship Between Number Of Holdings and Returns?

There is no such thing as “over diversification.”

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Should I Fund a Roth or a Traditional Account?

Should I Fund a Roth or a Traditional Account?

As with many financial decisions, our gut feelings deceive us on this matter.

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How to Get Out of Debt: Implement Your Plan

Group Trekking Through Sand

Now that you know where you are headed and the steps you want to take to get out of debt, it is time to take action!

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A Guide to Your W-4

A Guide to Your W-4

All new employees have to fill out form W-4, but despite its ubiquity, most people don’t understand it.

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Tax Alpha: How to Fix a Client Portfolio

Tax Alpha: How to Fix a Client Portfolio

Good financial planners can be worth their weight in gold in helping clients build a tax-efficient portfolio.

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Defining Your Sectors

Defining Your Sectors

The process of defining your sectors is an attempt to identify the quintessential features of your strategy and formalize your selection criteria.

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