September 4, 2015

Financial Advisors’ New Patron Saint Just Cut From the Detroit Lions

Financial Advisors’ New Patron Saint Plays For the Detroit Lions

When Ryan Broyles scored a $3.6 million dollar contract after being drafted in the first round he did something quite rare – he sought as much advice as he could find.

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Is Graduate School a Good Investment? Here’s the Formula.

Is Graduate School a Good Investment? Here's the Formula.

Your future path is sure to take many unexpected twists and turns, but you should run the numbers. Your future self will thank you.

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How Can I Contribute to Two Roths?

Pineapple in Field

The terminology is a little confusing, but you are allowed to have and contribute to both individual retirement accounts and employment-related retirement accounts.

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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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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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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 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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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 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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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 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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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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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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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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The Crowd Is Usually Wrong

The Crowd Is Usually Wrong

Stocks less frequently traded have better returns.

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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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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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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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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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Nobel Prize Worthy Advice On Investing

Nobel Prize Worthy Advice On Investing

Here’s how a good advisor should respond when you call about losses in your account.

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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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How Do I Structure My Accounts for Automatic Savings?

Inside Umbrella

Often the needs and wants of the present take our attention at the expense of the future. You want a system that will prioritize saving without needing your constant attention.

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Get Your Estate in Order, Pt. 3: Choose an Executor

Abandoned Plane

Who do I choose to be the executor of my estate? What will their basic duties be?

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Get Your Estate Plan In Order – Even if You’re Only 26

Woman near campfire

Today’s question: What if something happens to me and I am not able to make decisions for myself?

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Does Past Performance Have Anything To Do With Future Results?

Does Past Performance Have Anything To Do With Future Results?

Is there a correlation which would justify talking about “the momentum of the markets”?

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Guess What Statistic Has The Highest Correlation With The S&P 500?

Guess What Statistic Has The Highest Correlation With The S&P 500?

David Leinweber calls this technique, “torturing the data until it screams.”

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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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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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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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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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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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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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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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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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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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Mailbag: What Is The One Fund Should I Invest In?

Rainbow Stars

Here’s how to earn a slow million.

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Chipotle’s Wisdom

Chipotle line

These quotes are provocative for what they say about us as Americans.

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Newlywed To Do List

Rush Hour

While you know about the duplicate wedding gifts to exchange or return, and your mother is reminding you to finish writing Thank You notes, you might not remember all the other things you need to do.

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Facebook’s And Your Negative Feelings

Thumbs Down

In truth, the best way to mollify negative feelings might be to give up your Facebook account entirely.

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How to Open a Roth for Your Child

Open a Roth for Your Child

Someone has to be proactive about your child’s retirement and every year you don’t open a retirement account is another year you’re holding back compound interest.

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Don’t Do Something. Just Stand There!

Sisters Forever

You learn a lot by the discipline of reading old news.

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The Benefits of Saving and Investing Early

Saving Money

Any money you put away and invest now will have the longest time to grow, due to the magic (or actually, the mathematics) of compound interest.

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Some College Degrees Not Worth the Investment

college guy playing guitar

A typical college degree is worth up to a million bucks over a career, but that’s not true for every degree.

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