December 22, 2014

Obama Acts Like a Mob Boss, But There Is a Solution

Obama Like a Mob Boss

A mob boss exercises absolute control over his many followers and profits from the often criminal activities of his organization.

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Radio: The Rising Debt of College Education

Grad in Green

David John Marotta and Rob Schilling discussed the ways current policy makes college more unaffordable, and what students and parents can do about it.

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Fiduciary Fight Part 2: Additional Congressional Regulatory Oversight Can’t Be Trusted

Fiduciary Fight

Congress cannot protect you from the financial sharks who contribute to their campaigns, but they may protect the sharks.

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Will Roth Conversion Affect My Estimated Tax Payments?

Will Roth Conversion Affect My Estimated Tax Payments?

Roth conversions are a great way to save money and if you have a good financial planner, they need not be a headache.

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Contact Lens Regulations Cost Consumers Billions

Contact Lens Regulations Cost Consumers Billions

It is illegal to sell contacts in the United States without requiring a prescription. A Federal Trade Commission regulation provides penalties of up to $11,000 per violation.

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Inversion Is The Latest Corporate Tax-Cutting Strategy

Inversion Is The Latest Corporate Tax-Cutting Strategy

The United States is the only country that imposes a tax on all income the company makes whether it is earned within or outside the country.

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Interviews And Articles With Ken Elzinga

Ken Elzinga

“Markets have made possible the prospect of the bulk of an economy’s population not being poor and oppressed.”

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Fiduciary Fight Part 1: The Fight Over The Fiduciary Label

Fiduciary Fight

The fight is on! Everyone wants to be known as a fiduciary, but not everyone deserves the title.

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The Segregated Joint Economic Committee

Joint Economic Committee

Does the Joint Economic Committee live up to anything in its name?

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Interview with Ken Elzinga by Marotta On Money

Ken Elzinga

Ken Elzinga writes the popular Henry Spearman mystery novels under the pen name of Marshal Jevons. We caught up with Professor Elzinga for the following interview.

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How Not to Promote College Innovation

How Not To Promote College Innovation

These noble-sounding goals intuitively appear useful, but the federal government has only two ways to encourage change and neither of them helps in this case.

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The Mystery Of The Invisible Hand

The Mystery of the Invisible Hand

Read an excerpt from Ken Elzinga’s latest Henry Spearman mystery novel.

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November 2014 Returns for Our 6 Asset Classes

November 2014 Returns -6 Asset Classes

Here are the returns for our six Asset Classes from November 2014.

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August – October 2014 Returns for Our 6 Asset Classes

6 Asset Classes - 8-10-14

Here are the returns for our six Asset Classes from August 2014 – October 2014.

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Stop Borrowing From Yourself

Stop Borrowing From Yourself

Stop borrowing from your future self. Each day you fail to save is another day where you tighten the ball and chain around your ankle. You deserve better than that.

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Radio: Charlottesville Real Estate

Beach Cottage

David John Marotta appeared on the radio discussing Charlottesville real estate, interest rates, and how you should not let a daunting pile of mortgage paperwork stop you from purchasing a home.

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How To Buy A College Degree

How to Buy a College Degree

Unfortunately, Obama’s good intentions are thwarted by the economic principle formulated by banker Charles Goodhart.

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Cheating Isn’t Just For Students

Cheating

Increased pressure will only force more teachers to choose between their integrity and their salaries.

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Financial Willpower

Financial Willpower

The amount of energy available in the brain to exercise self-regulation and resist temptation is a limited resource. When the account runs out, well… you know the kind of decisions you make.

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What Investors Really Want

What Investors Want

“In reflecting on our experiences as advisers and investors, we’ve come up with what we believe are the key and often unspoken wants and needs of our investors.”

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The Economics of a Thanksgiving Turkey

The Economics of a Thanksgiving Turkey

The average factory-farmed frozen turkey from a grocery story is sold for as little as $0.67 per pound. Economics can offer five explanations.

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2015 IRA and Roth Contribution Limits

Retirement Plan Contrib Income Limits 2015_t

Here are the 2015 contribution limits and income phaseouts for contributions to Traditional IRAs and Roth IRAs for retirement saving planning.

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Five Principles Of Spending

Principles of Spending

How to judge if your money was well spent.

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Ten Red Flags Of Emails Trying To Steal Your Identity

Fraud pretending to be from Paypal

Eternal vigilance is the price of liberty.

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We Need a Partial Shutdown of Government

Partial Shutdown Needed

Unless McConnell is willing to risk a government shutdown, he will ultimately have to acquiesce to Obama’s wishes.

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Radio: Parts of the Government Should be Shut Down

Wilted Leaf

David John Marotta was interviewed discussing government waste and what would happen if parts of the government were shut down.

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Mailbox: Which States Allow Prize-Linked Savings Accounts?

The Drive of the Lottery

There are thirteen states so far. Does your state allow them?

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Bogle’s Best Advice: Don’t Peek

Don't Peek

When it comes to finances, just shut your eyes and keep them closed.

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Do New Healthcare Plans Cost More?

Cost of ACA-Compliant Healthcare

Last year plans were being cancelled. This year, citizens are receiving notifications of rate hikes in the double digits. Is this really happening?

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The Influence of American Values on Garry Kasparov

Gary Kasparov

As a libertarian and former chess prodigy, I enjoyed very much an address by Gary Kasparov at the Cato Institute entitled, “The Influence of American Values.”

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Planning Clients Often Don’t Get What They Pay For

Sad Stop

While I agree with the study, I don’t know that I agree with the prescribed solutions suggested.

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Interview with Senatorial Candidate Robert Sarvis

Sarvis

We e-mailed all the senatorial candidates inviting them to be interviewed on our blog. Of all the candidates, Robert Sarvis, the Libertarian 2014 Virginia Senatorial candidate, was the only one to respond.

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The Drive of the Lottery

The Drive of the Lottery

The lottery is based on the most powerful way to motivate people and change their behavior: a variable reward in response to a specific behavior.

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Tax Limits: 2015 Employer-Sponsored Retirement Plans

2015-employer-sponosored-retirement-plans_t

It’s important to know the limits so you don’t over-contribute and incur tax penalties, but contribute just the right amount (based on your income) for your future standard of living.

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How Can I Give to My New Grandchild?

child-grandparent-hands_t

My daughter and son-in-law are expecting their first child, and my husband and I want to give some money for the child as a gift. What are my options?

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How To Divide An Inherited Account Evenly

Money Divided

There is no accounting for how many heirs an account might need to be divided among in an estate plan. Here are the best practices for how to divide the estate.

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If You Wouldn’t Buy It, Why Keep It?

Lego Shop

The stock market is one of the few places that when things go on sale we are less likely to want to buy.

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The Mindset of the Lottery

The Mindset of the Lottery

The classic conversational pastime of answering the question, “What would you do if you won the lottery?” could help you or it could hurt.

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Radio: Are U.S. Markets Overvalued?

Marotta Smiling On Radio

This radio interview covers the basics of what investing is, and how to think about investing, especially in U.S. Markets with a constant stream of information available.

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Should You Be Building Bond Ladders In This Lower Rate Environment?

Ladder from above

There was an interesting article by Joseph Lisanti in Financial Planning Magazine entitled, “Should You Be Building Bond Ladders?” which read in part: As with many strategies, laddering works best for clients with sufficient assets to benefit fully from it. “It is a tried-and-true strategy,” says Morris Armstrong of Armstrong Financial Strategies, an RIA in [...]

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Which public policies help to decrease disparities in the distribution of wealth?

Be Stupid

What if only enough redistribution were applied so that the top 1% (or whatever top segment) has just 15% of all wealth instead of 40% or whatever it is now?

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The Luck of the Lottery

The Virginia Lottery

Government-run lotteries have a sordid and monopolistic past. Should we enforce a separation of sin and state?

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Advisors Focus On Panic Prevention In Volatile Market

Panic Button

Our brains are not wired well for handling the fluctuations in the stock market. Could a financial advisor help?

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Achieving Financial Peace Of Mind

Peaceful Sleeping

One goes to bed, while the other sits down to manage the family finances.

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Five Lessons from the Whiskey Rebellion

Protest

The Whiskey Rebellion established the sovereignty of “we the people” to tax and oppress any selected group.

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Active vs. Passive: Where Money’s Flowing

Fish flow

Here is the number one criteria you should use in your fund screen.

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How To Diversify Highly Appreciated Stock

Dog and Turtle

Exchange funds, also know as swap funds, can provide investors with one highly appreciated security a way to trade it for an equivalently valued but more diversified portfolio.

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Driving Emotions From Your Investment Process: A 12-Step Program

Brain Scan

Don’t let short term volatility ruin a brilliant long term investment strategy.

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Appreciating Donor Advised Funds

Wrapped Gifts

There are five ways that both you and the government could make charitable giving more significant.

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A Complete Guide To Using A Donor Advised Account For Your Charitable Giving

Gift

A donor advised fund makes giving easier.

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