August 2, 2015

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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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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