September 4, 2015

Articles

David John Marotta and Megan Russell co-author a syndicated financial column featured in several newspapers across the country. You can follow that column here.

Which Retirement Account Should I Fund?

Which Retirement Account Should I Fund?

Which account you should fund depends on your circumstances, but here are some general guidelines you can follow to make your decision.

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How Much Umbrella Insurance Do I Need?

How Much Umbrella Insurance Do I Need?

Umbrella insurance covers you for liability that goes above and beyond your auto and homeowners insurance.

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Education Improvement Scholarship Tax Credits

Education Improvement Scholarship Tax Credits

Virginia taxpayers can give generously and offset the cost of those gifts through tax credits and the avoidance of capital gains taxes.

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How to Convert Taxable Savings Into Your Roth IRA

How to Convert Taxable Savings Into Your Roth IRA

Most tax professionals don’t think of such tax planning opportunities, because they have to focus on complying with tax accounting regulations.

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Fund Your Roth IRA Even When You Can’t Afford It

Fund Your Roth IRA Even When You Can't Afford It

Sometimes, there isn’t enough to do it all. Even then, fund your Roth.

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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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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 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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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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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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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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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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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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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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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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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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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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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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Schwab Intelligent Portfolios: Services Not Provided

Schwab Intelligent Portfolios: Services Not Provided

A computer algorithm cannot help you with these things.

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Schwab Intelligent Portfolios: Incomplete Rebalancing Algorithm

Schwab Intelligent Portfolios

See our review of the two pros and nine cons of how Schwab monitors and rebalances portfolios.

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Schwab Intelligent Portfolios: Built on a Faulty Premise

Schwab Intelligent Portfolios: Built on a Faulty Premise

It is a great marketing campaign, and the service is a wonderful idea, but the asset allocations of SIPs aren’t actually that intelligent.

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Stock Ownership Is a Bad Strategy for Social Change

Stock Ownership Is a Bad Strategy for Social Change

You cannot help a company by buying its stock.

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Did Obama Violate an SEC Regulation?

Did Obama Violate an SEC Regulation?

From the blind eye of the law, this seems like a violation of SEC regulation.

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Twitter’s Reign of Terror

Twitter's Reign of Terror

“They find whatever is different and peck it to death.”

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“Citizenfour” Reminds Us We Should Still Be Outraged

"Citizenfour" Reminds Us We Should Still Be Outraged

The domestic spying of the executive branch deserves our outrage. Efforts like “Citizenfour” that keep the issue in the public eye deserve our support.

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Three Reasons To Engage In Gift Giving

Gift Giving

The new holiday cliché is to complain about hyper-materialism, but gifts and gift giving help shape our identities.

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The President’s Impact

The President's Impact

Obama evidently believes that politicians are elected to make a difference in the lives of Americans. The problem is that no one can opt out of a federal impact.

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Wealth Redistribution and the Most Social President

The Most Social President

The loudest tend to drown out competitors regardless of whose reasoning is better.

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One Hidden Way the IRS Hurts the Bereaved

One Hidden Way the IRS Hurts the Bereaved

It is often said that the only two certainties in life are death and taxes. The IRS takes that truism to heart.

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The Success of Freedom Investing

The Success of Freedom Investing

It is a simple thought experiment. Would you rather invest in South Korea or in North Korea?

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Understanding Cash Flow Is Critical

Understanding Cash Flow Is Critical

Regardless of income level, overspending causes poverty.

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The Delirious Happiness of Free Market Choice

The Delirious Happiness of Free Market Choice

Here is one of the most brilliant breakthroughs in all of food science and how it relates to almost every aspect of life.

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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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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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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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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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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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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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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 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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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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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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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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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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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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How Can We Make Medical Insurance Affordable?

Doctors at work

We must return, as much as possible, to a fee-for-service approach to health care and restore the traditional doctor-patient relationship.

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Why Do Physicians Permit, If Not Encourage, Futile Medical Care?

Mark Marotta

We can only afford to allow others the freedom to strive against death when we are not trying collectively to subsidize it.

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Skin in the Game of Health Care

Piggy Bank on Money

“Shouldn’t patients and their families have some skin in the game as a brake on the profligate spending of other people’s money for health care?”

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Cryptic Medical Bills And Health Insurance

Eyechart

Next time you receive an unintelligible medical bill, remember how hard it is for your doctor to get paid.

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U.S. Health Care Costs versus Health Outcomes

Teddy Bear Hospital

Asians in New Jersey have the best life expectancy of any racial or ethnic group.

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