April 17, 2014

What Is A “Margin Alert”?

Schwab Margin Alerts

There are five types of Schwab Margin Alerts: Margin Maintenance, Short Position, Trade Debit Due, Margin Debit Balance / Account hold Value Advantage, and Trade Settlement Violation

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Important Social Security Info for Widows and Widowers

Widows and Widowers

Most survivors are uninformed about how Social Security benefits are calculated and often overlook a careful analysis of this critical retirement asset.

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Why Is The Federal Reserve In Your Wallet?

Christian LIndeMann, The New King of PickPockets

Members of the Federal Reserve openly admit it is not a federal agency.

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Is The Stock Market Rigged? (and how to create a media frenzy)

Is The Stock Market Rigged?

In order to inflame the public’s ire about market corruption, the author of “Flash Boys” carefully sidesteps a number of important facts.

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Helpful Mobile Budgeting Tool Free For College Students

you need a budget

The good people at You Need A Budget (YNAB) have made their budgeting solution free for college students; including part-time students.

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Realize Some Capital Gains Each Year To Keep Taxes Low

Monopoly Stock Sale

There are at least four different capital gains tax rates. Here’s how to minimize yours.

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What Exactly Is Quantitative Easing?

Piggy Bank

Quantitative easing is a sneaky way to make everyone dealing in U.S. dollars pay off the U.S. debt.

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The Government Effectively Pardoned 77.3% Of The 2013 Debt Increase

Crumpled Dollar

Paid for by using your former purchasing power.

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What Do You Mean I Owe An Extra $100,000 In Taxes?

Businessman Target

Ah, the joys of being a small business owner in 2013.

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Gift Tender Offers To Charity To Avoid Capital Gains Tax

Gift with Yellow Bow

This technique can avoid paying any tax, a savings worth up to 36.1%.

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Where Are You in the Financial Lifecycle?

financial lifecycle

This may be considered a get rich slowly article but it has more to do with learning to manage your resources and emotions around money.

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How Does The Fed Control Interest Rates In A Free Market?

Federal Reserve 2014

Even as recently as 2007, banks were paying 4% interest. Now you have to go to the hundredth decimal before you find your interest rate.

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As Recently As 2007, Banks Were Paying 4% Interest

Taxable Money Market Rates 2014

In retirement planning, these are the deep risks we are concerned about.

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Every Bond Contract Has At Least Five Components

Bond Components

Unlike stocks, each bond contract has unique characteristics that define how repayment will occur.

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Mutual Funds Offer Good Governance Assistance

my fund voted

Investing in mutual funds and ETFs offers an efficient solution for investors to engage in corporate governance issues. When you purchase a fund, you authorize fund managers to vote proxies on your behalf.

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Tax By Inflation

The Fading Dollar

In its simplest form, the government prints money and uses the newly printed currency to fund government spending.

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Quantitative Easing And The Federal Reserve’s Balance Sheet

Inflation

Government officials argue that consistent deficits are good for the economy, if we were only willing to go high enough.

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Today’s 20-year Olds Will Need Over $7 Million For Modest Retirement Lifestyle

Worried Woman

Most young people don’t understand inflation as well as their parents and grandparents.

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Budgeting Lite

mindful money

With less than two minutes a day and a smartphone, Budgeting Lite will help you become more mindful about your spending and regain a sense of control over your finances.

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Five Unbelievable Financial Advisor Regulations

The federal Securities and Exchange Commission (SEC)

To comply, most firms must archive and report massive amounts of information. Here are five of the more interesting regulations.

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Radio: David John Marotta Interviewed Discussing the Three GOP Factions

Marotta on Radio Talking

David John Marotta was recently interviewed discussing the ideas in the article “Republicans: Defining the 3 Factions”.

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Is Rebalancing a “Myth”?

Stacked stones

You ought to know what it is that you are rebalancing.

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Should a Business Buy Its Own Building?

New Office

We finally found a great building and decided to purchase it!

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Make sure clients road-test retirement

Retirement Cake

“Ascertain whether they’re ready for changes in lifestyle and finances for the next stage of their lives”

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Every Business Should Start a 401(k)

Small business owners

The president’s hope to restrict the plans should actually make owners more interested in creating one.

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At Least 65% Of Workers Fail To Save Our Recommended 15% For Retirement

Bag Lady

The study shows that 21 percent have saved nothing for retirement.

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How To Tell If Your Financial Advisor Is Really “Fee-Only”

How To Tell If Your Financial Advisor Is Really “Fee-Only”

Many will mislead you into thinking they are “fee-only” when they are not.

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Three Lessons From Warren Buffett’s Big Bet

hedge funds and index funds race

For five of the last six years, the simple index fund has outperformed the so-called expert hedge funds, and Buffett’s competition is starting to feel the heat. Here are three important take aways from this big bet.

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Republicans: Defining the Three Factions

More freedom less government

Which part of the conservative party appeals best to you: promoting the welfare of big business, legislating morality or advocating personal freedom and responsibility?

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Is the Federal Reserve Really Tapering?

tapering

The conflicting information of the Federal Reserve report has to do with the so-called tapering of asset purchases.

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Is Social Security Stealing Your Chance Of Being A Millionaire?

You have got to be kidding.

Social Security withdrawals have enslaved workers to depend on government largess when they could have been independently wealthy.

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David Marotta Interviewed Discussing MyRA Plans

Marotta on the Radio

David Marotta was recently featured on radio 1070 WINA’s Schilling Show discussing the new MyRA plans, inflation, and saving for retirement in general.

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Social Security

SS Heatmap

Social Security benefits can represent a big stack of cash. A typical monthly benefit of $2,200 has a present value well over $500,000. Consider all your Social Security options carefully to avoid making a costly mistake.

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Liberals Characterized Privatizing Social Security As A Risky Venture

Obama's 2012 Convention Acceptance Speech

Even the Social Security withdrawals of average workers would produce millionaires if they were allowed to be saved and invested in private accounts.

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How To Report Backdoor Roth In TurboTax

Turbo Tax Backdoor Roth

How to report a backdoor Roth in Turbo Tax.

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Obama Expands the Permanently Unemployed

Occupy Stupidity

The economics of the job market are complicated, and an executive order can’t grant America a higher wage.

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Which is Better: Bad Market Timing or Not Investing?

Nervous Woman

Trying to wait until market conditions are perfect likely means you will miss a good investing opportunity.

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Advisors Must Stop Client Self-Destruction

Koala Bear

Sometimes the best advice is when a competent advisor tells you that you are wrong.

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How Much Should I Save for College?

college

I’ve learned to develop a thick skin when sharing ideas with the masses but if these commenters represent some general barometer of financial sanity, we appear to be losing the battle.

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Develop A Network Of Friends In Retirement

Old Friends

Having community is important for a successful retirement. Men may find it requires more work to achieve.

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Obama’s myRA Plan Violates Multiple ERISA Laws

Go to jail

Willful violations of ERISA legislation carry criminal penalties of up to a year in prison for the plan sponsor and a fine of up to $100,000 for the corporation.

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End-Of-The-World Money Moves

End of the World

How do you prepare for the end of the world?

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Opening A Brokerage Account

Stone grid

Opening an account is the first step in getting started in investing.

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Does Buy Term and Invest the Difference Still Work?

George Marotta

Imagine these two strategies competing in a track race. It’s as if one runner were told to wait until the other finished her first lap before beginning.

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2014 IRA & Roth Contribution Limits

2014 Retirement Plan Contribution Limits

Plan to max out your retirement contributions for 2014 — your future self will thank you.

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2014 Employer-Sponsored Retirement Plans

2014 Empoyer-Sponsored Retirement Plans

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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2014 Tax Facts

2014 Tax Facts

The numbers are in: here is a quick chart of tax info for the 2014 tax year.

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Can You Fact-Check Without Reading the Article?

Holy face palm

Both authors claimed there were errors in our article all the while agreeing with our assessment of the unemployment numbers.

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We Were Wrong: Jobless Available Workers As High As 41.4%

Jobless 2013-12

We actually underreported the portion of jobless Americans. It did not include the people who are represented in the unemployment rate.

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David John Marotta & Megan Russell Defended by Rush Limbaugh

Rush Limbaugh 2014-01-23

After covering our article during his January 22 radio show in the segment, Rush Limbaugh then discussed Pethokoukis’s attack the following day. Our two Virginia co-authors are “the Wall Street guy.”

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