May 1, 2016

Guidelines for Using Margin

Guidelines for Using Margin

Too much leverage is risky because it endangers meeting your goals.

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Inflation Illustrated

stamp pile

We tracked the price of a first class stamp over the last 130 years, noting the changes, to show the steady erosion in buying power during that time.

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Fund Analyzer Shows Value Of Lower Fees

Fund Analyzer Shows Value Of Lower Fees

Continually curating a list of low cost funds is valuable for long term investors.

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Government Requires 2.5 Hours of Daily Work

Government Requires 2.5 Hours of Daily Work

Without the burden of federal, state, and local taxes, you could leave your job at 2:27pm every day and earn the same salary.

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What is Margin?

What is Margin?

We don’t normally recommend being on margin, but we recommend having the option in case it is needed.

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Radio Interview: The Burden of Government Taxation

Radio Interview: The Burden of Government Taxation

David John Marotta was recently interviewed on radio 1070 WINA’s Schilling Show, discussing taxation and the burden of government.

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Gifts, Taxes, and IRS Form 709

Gifts, Taxes, and IRS Form 709

Most people are unaware that giving a gift can be a taxable event because they themselves have not yet experienced the tax.

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Investing Strategies for an Irrational Brain

Investing Strategies for an Irrational Brain

Recency bias is perhaps the most difficult natural bias to overcome.

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Department of Labor’s New Fiduciary Ruling

Department of Labor's New Fiduciary Ruling

Any legislation which can include FINRA’s commission-based advisors will dilute what it means to be a fiduciary.

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A Year of Financially Healthy Habits

Perpetual Calendar

It is the season of spring cleaning, so here’s a calendar of ways to clean up your finances one step at a time.

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Mailbag: How Is Capital Gains Tax Calculated?

Mailbag: How Is Capital Gains Tax Calculated?

The IRS does not do a good job of helping people understand capital gains taxes. They provide a worksheet to help you calculate it, but it has so many steps that it’s nearly impossible to figure out what’s going on.

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Dimensional On: Staying in the Market

Dimensional On: Why Should We Invest Internationally?

“It is always a difficult experience for investors to stay in markets.”

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Tax Loss Harvesting and Wash Sales

Tax Loss Harvesting and Wash Sales

Wash sale rules need to be followed when realizing capital losses for taxes but can be burdensome to track and monitor.

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Financial Planning Beyond Your Wedding Day

hearthands

In addition to registering for a blender and picking floral arrangements, make sure that your marriage has the financial accounts and monetary habits necessary to meet your shared financial goals.

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How To Instill Good Financial Habits In Your Children

How To Instill Good Financial Habits In Your Children

Give your children experience spending their own money.

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Dimensional On: Why Should We Invest Internationally?

Dimensional On: Why Should We Invest Internationally?

“Historically there has been a wide variety of returns from US and International stocks, and when one does poorly often another does well.”

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How Long Should I Give An Investment Plan?

How Long Should I Give An Investment Plan?

Even the most brilliantly crafted investment plan has to be given time to work.

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The Complete Guide to Creating an Investment Plan

The Science of the Rebalancing Bonus

This is a summary of the six steps required to create a well-crafted investment plan.

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Can I Contribute to my Roth IRA?

Can I Contribute to my Roth IRA?

There are some cases that are not as straightforward and if you fall into these categories, you might not know whether or not you are allowed to contribute to a Roth IRA.

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Fund Your 401(k) If You Believe In Free Markets

Fund Your 401(k) If You Believe In Free Markets

I recently read a foolish article entitled “Call for a National Savings Plan” that assumed we haven’t tried a national savings plan already.

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Streamline Your Finances with Schwab Checking

Streamline Your Finances with Schwab Checking

This Schwab checking account provides six impressive services not true for most local banks.

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Reasons to Keep a Local Bank Account

Reasons to Keep a Local Bank Account

Investment brokers like Schwab offer many services local banks offer but there are a few reasons why you might want to resist consolidating all of your accounts to a broker.

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Can’t All Advisors Make Trades On My Behalf?

Can't All Advisors Make Trades On My Behalf?

Only give someone who is required to honor your best interest the ability to trade in your account without talking to you.

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Ted Cruz’s Tax Plan

Ted Cruz's Tax Plan

More than many other candidates, Ted Cruz’s tax plan aims to fundamentally change our tax system.

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Why We Do Not Use Active Management

Why We Do Not Use Active Fund Managers

Index investing seeks to track the return of a portion of the market. The opposite is active management.

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Radio: Three Investing Mistakes

three geese

David John Marotta was interviewed on radio 1070 WINA’s Schilling Show discussing three big investing mistakes.

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How to Send Schwab Notifications to Two Emails

How To Get Schwab Trade Confirmations Sent To Two Different Emails

A little extra work can ensure that both spouses receive important email notifications from their custodian.

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Mailbag: Why Doesn’t Everyone Want High-Yield Bonds?

Mailbag: Why Doesn't Everyone Want High-Yield Bonds?

We don’t recommend high yield bonds because they do nothing good for your overall portfolio.

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Millionaire Lifestyle: Drink Sodas at Home, Not Out

Millionaire Lifestyle: Drink Sodas at Home, Not Out

Changing where you drink soda is a small step, but enough small steps can make a huge difference in your savings.

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Start Early on Retirement Planning

Start Early on Retirement Planning

Retirement planning should begin the moment you receive your first paycheck.

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Nine Unfortunate Facts of Health Savings Accounts

9 Unfortunate Facts of Health Savings Accounts

An HSA is one of many accounts used in comprehensive wealth management for tax optimization and planning.

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Radio: Market Returns for 2015

2015 Asset Class Returns

David John Marotta was interviewed on the Schilling Show discussing how the markets performed last year and lists 4 mistakes to avoid.

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Four Things You Can Do with Your Roth Before April 15

beach sprint

If you have not yet funded your Roth account for 2015, it is not too late!

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Why Gold Has Utterly Failed as a “Safe Haven”

Why Gold Has Utterly Failed as a "Safe Haven"

Gold sounds like it should provide a safe haven of your purchasing power much more than it has actually done so.

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How Roth Conversions Are Reported to the IRS

How Roth Conversions Are Reported to the IRS

The Internal Revenue Service (IRS) is notorious for misunderstanding the recharacterizations of Roth conversions.

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Investing Mistake: Forgetting About Inflation

Investing Mistake: Forgetting About Inflation

Taking inflation into account changes nearly everything about financial planning.

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What Counts as Wages for the Social Security Earnings Test?

What Counts as Wages for the Social Security Earnings Test?

Contrary to the normal way of things, this time what Uncle Sam gives with the IRS, he takes away with the SSA.

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A Case Study In Volatility

A Case Study In Volatility

While volatility can make a fund more attractive on the way up, it can also make a fund less attractive on the way down.

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Asset Allocations for UVA Retirement Plans at Fidelity

Asset Allocations for UVA Retirement Plans at Fidelity

The University of Virginia plan includes funds sufficient to produce these excellent portfolios.

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Marotta’s 2016 UVA Fidelity 403(b) Calculator

University of Virginia's Serpentine Walls

Age appropriate asset allocation for 2016 using the choices available in the University of Virginia’s Fidelity 403(b) Tax Deferred Savings Plan (TDSP).

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Marotta’s 2016 UVA Fidelity 401(a) Plans Calculator

UVA Fidelity 401(a) Plans Calculator

Age appropriate asset allocation for 2016 using the choices available in several of the University of Virginia’s Fidelity Retirement Plans.

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What Are The Odds That The Stock Market Will Go Up This Year?

What Are The Odds That The Stock Market Will Go Up This Year?

The stock is more likely to go up than down, but how volatile are the markets really?

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Qualified Charitable Distributions (QCDs) from IRAs

Qualified Charitable Distributions

QCDs allow individuals age 70 1/2 or older to give directly to a charity from your IRA without counting the distribution as taxable income.

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Why You Should Give Appreciated Stock Instead of Cash

Gift and Lights

Giving appreciated stock not only allows you to support your favorite charity but also avoid paying capital gains tax on your gifted stock.

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Documentary: Farming in Fear

Farming in Fear

The story of Liberty Farm’s struggle to survive the regulatory attack by Fauquier County government.

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Marotta’s 2016 Vanguard Gone-Fishing Portfolio

Marotta’s 2016 Vanguard Gone-Fishing Portfolio

Here is a review of Marotta’s 2015 Vanguard Gone-Fishing Portfolio and a description of our changes for 2016.

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Marotta’s 2016 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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A Complete Guide To Donor Advised Funds

Wrapped Gifts

A donor advised fund makes the process of charitable giving simple and easy.

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What Counts as “Boot” in a 1031 Exchange?

What Counts as "Boot" in a 1031 Exchange?

1031 exchanges can include “boot,” which is an unofficial term for other property received in the exchange.

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Radio Interview: Wills, Estates, and Beneficiaries

Live Oak

David and host Rob Schilling discuss what estate planning is, why you want to do it, and explain some of the jargon.

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