July 5, 2015

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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How to Get Out of Debt: Make a Plan

Chairs in the Desert

To get out of debt, you need an emergency cushion, a budget, and a plan of attack.

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Will Preferred Stocks Hypnotize With Yield?

Will Preferred Stocks Hypnotize With Yield?

Despite the appearance of stability, preferred stocks can become especially volatile when markets are reeling.

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What Is The Relationship Between Turnover Rate And Number Of Holdings?

What Is The Relationship Between Turnover Rate And Number Of Holdings?

The greater the number of holdings the lower the turnover rate with one surprising exception.

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Do Resource Stocks Deserve Their Own Asset Class?

Do Resource Stocks Deserve Their Own Asset Class?

Resource stocks represent one of the most interesting collections of diverse indexes as they do not always move in sync with one another.

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How to Get Out of Debt: Assess Your Situation

Desert Stormclouds

Make a list of all your debt and figure out where your money is going every month.

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What Is Turnover Rate?

What Is Turnover Rate?

Beware the turnover rate. It’s much wiser to invest in funds managed by people you trust.

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The Crowd Is Usually Wrong

The Crowd Is Usually Wrong

Stocks less frequently traded have better returns.

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What Is the Correlation Between Value, Growth, Large and Small Cap Stocks?

What Is the Correlation Between Value, Growth, Large and Small Cap Stocks?

The higher the correlation the greater the justification to put them in the same asset class.

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The Asset Allocation Within Your Asset Allocation

The Asset Allocation Within Your Asset Allocation

It is good to take the two categories which are most similar and use them as underlying sector divisions within the same larger asset class.

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How to Get Out of Debt: Recognize the Problem

Sun Blasts Dunes

Most people are comfortable with having some debt (like a mortgage, for example). But how much is too much?

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Hidden Fees in Private Equity

Hidden Fees in Private Equity

“Every pension plan in the nation is paying too much [for private equity], and it’s being hidden.”

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Are Healthcare and Technology The Best Performing U.S. Sectors?

Are Healthcare and Technology The Best Performing U.S. Sectors?

Should they be over weighted in your portfolio?

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Your Asset Allocation Should Be Priceless

Your Asset Allocation Should Be Priceless

The value of not running out of money when making withdrawals cannot be measured.

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Radio: Employment Tips for Recent Grads

UVA Grad

David John Marotta and Megan Russell were interviewed on the radio discussing ways recent graduates can make themselves more attractive to employers in today’s tough job market.

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Free eBooks for Lovers of Classic Literature

Free eBooks for Lovers of Classic Literature

If you’re not wedded to the idea of owning a hard copy, there are many options to find classics for free as ebooks.

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What Is The Correlation Between US Stocks and Foreign Stocks?

What Is The Correlation Between US Stocks and Foreign Stocks?

Correlations over the past year have been very low, while correlations over the past 10 years have been higher.

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The Art of the Rebalancing Bonus

The Art of the Rebalancing Bonus

Portfolio design and rebalancing is both a science and an art. Knowing that rebalancing boosts returns is useless unless you as the investor follow through.

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How to Get Jobs for “Unemployable” Degrees

How to Get Jobs for "Unemployable" Degrees

The list of jobs for a History major seems quite short: Historian and Historic Preservation come quickly, then maybe Politics, if you think particularly hard about it.

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A Golden Nugget from the Berkshire Hathaway’s Golden Anniversary

A Golden Nugget from the Berkshire Hathaway's Golden Anniversary

This year’s golden nugget goes to Buffett’s definition of risk.

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What Is Correlation?

What Is Correlation?

The correlation between two investment is used in portfolio construction and rebalancing.

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The Science of the Rebalancing Bonus

The Science of the Rebalancing Bonus

Rebalancing can both boost returns and lower volatility, but most investors do not understanding how.

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The A’s of Government (2012 Budget)

The A's of Government (2012 Budget)

This is a complete list of the budgets and purposes of the federal agencies that begin with the letter A.

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Looking Beyond the Bottom Line

Looking Beyond the Bottom Line

The Principles for Responsible Investment is leveraging its network in noteworthy ways.

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Radio Interview: Ideas for Success

Rocket Flight

David John Marotta was recently interviewed on radio 1070 WINA’s Schilling Show discussing success, and how to structure your life for greater chances of success.

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Can I Contribute to a Roth IRA?

Fountain in Springtime

How do you know if you can contribute to a Roth IRA? See this flowchart for answers.

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Why Liberals Should Hate Real Estate Taxes

Why Liberals Should Hate Real Estate Taxes

Taxes hurt ordinary folks before the extraordinary ones, and it can hurt them badly.

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Three Insights About Bad 401(k) Plans From Recent Lawsuit

Three Insights About Bad 401(k) Plans From Recent Lawsuit

“America’s leader in financial planning” is ill-serving its own employees.

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Branding, Marketing, and Selling: An Interview with Scott Deming

Branding, Marketing, and Selling: An Interview with Scott Deming

Branding is so much more important than advertising.

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Cost-Benefit Analysis for Financial Planning

Cost-Benefit Analysis for Financial Planning

The cost of commission-based advisors are so hidden that you may be paying more than you realize.

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Giving to a Charity to Receive an Annuity

Giving To Charity In Order to Receive An Annuity

Every nonprofit needs to keep an up-to-date list of the types of assets that they will accept as donations.

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First Quarter 2015 Returns: Our 6 Asset Classes

Q1 2015 6 Asset Class Returns

Each quarter brings a different set of returns for each asset class and subcategory.

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Best Credit Card for 2015

Best Credit Card for 2015

We are not normally fans of credit card offerings, but this one might be worth using as your primary card.

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