September 20, 2014

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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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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How To Save Wealthy Clients From Themselves

Brain Scan

“Emotion can undo the best-laid financial plans.”

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David Marotta Quoted on Yahoo Finance Story About Gen Y Savings

College Student in Hammock

Because of inflation, today’s 20-year-olds will need over $7 million to have the same lifestyle when they retire.

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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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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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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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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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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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Age-Based Benchmarks for 529 College Savings (2014)

college savings progress

529 Colleges Savings Articles: 1. Power Fund a 529 Account Via ’5 Year Election’ 2. The Beginning of the End for Skyrocketing College Costs? 3. 529 Gift to the Grandchildren

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Lifetime Exclusion From Gift Or Estate Taxes

Colorful Gift Wrapping

When you die, your assets and belongings–called your “estate”–are subject to taxation, but the there is an amount under which the executor of your estate will not have to pay taxes.

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The Importance Of The Investment Policy Statement

Scarecrow overboard

Adherence to the fiduciary standard is all about process.

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Active Management Has An 82% Failure Rate

Active management failure

Managing investment assets requires managing investor expectations.

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Sensational Headlines Capture Nation’s Attention

Fox News 2013-12-26

In addition to learning how a viral story can get many of the facts wrong, another more important lesson can be learned from this experience.

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How To Prepare For The “Coming Financial Apocalypse”

The Disaster Diaries by Sam Sheridan

You should be just as prepared for the possibility that the world as we know it is not ending.

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Is It Really Time To Get Out Of The City?

Burning cars

Should I fear panicked looting and riots when the food distribution fails?

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Five Things More Important Than Politics

Five important things

This holiday season, remember to cherish the important values of life.

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Radio: Holiday Travel and the TSA

Marotta on the Radio

What you should know about the TSA during holiday travel.

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Should I Be Storing Food, Water and Firearms?

Bullet Kit

Preparing for TEOTWAWKI is helpful for lesser emergencies.

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Marotta Family Recipes Published

Momma Jean’s Kitchen: Featuring Marotta Family Recipes

A celebration of both the joy of family and the comfort of Italian cuisine.

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Is A Financial Apocalypse Coming?

The Disaster Diaries by Sam Sheridan

Should you buy as much gold as you can get your hands on?

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How to Calculate An Advisor’s Value: Liability-Relative Optimizing

Chess White Queen

Planning on future cash needs allows you to use specific accounts for tax planning purposes.

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The Blank Slate by Stephen Pinker

The Blank Slate by Stephen Pinker

Although it would be wonderful if we lived in a world that lived up to the ideals of the Utopian Vision, we believe along with Stephen Pinker that reality supports the Tragic Vision.

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Money Management Lessons From a Relay Race

winning team

Money meditations from the finish line.

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Newlywed Checklist: Name Change, part 3

wedding_rings_hands_t

When a woman gets married she often changes her name. Once you’ve changed your name at the Social Security Administration, the DMV, your employer and employer benefits, and your passport, it’s time for the last few changes.

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Newlywed Checklist: Name Change, Part 2

wedding_rings_hands_t

The DMV was my second stop in the name-change process because it makes subsequent name changes easier.

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Why People Like Tony Stark But Hate Real-Life CEOs

Iron Man and Tony Stark

Obnoxious, playboy Tony Stark, more commonly known as Iron Man, is admired by his fictional and real fans alike. Why not real life CEOs?

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Newlywed Checklist: Name Change

wedding_rings_hands_t

For $50 and a lifelong commitment, you can legally change your identity!

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The Driver of Future Behavior

Brain Scan

Investments consistently outperform investors.

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Safety Second

Whitewater Rafting on the American River

Fun first. Freedom first. Innovation first. Financial goals first. But not safety. No one says, “That looks safe; I wonder if it is fun.”

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Beneficiary Designations: Per Capita or Per Stirpes?

beneficiaries

Before a grandmother passes away, both her sons predecease her. Left with only her daughter and grandchildren, depending on her titling one of three things may happen.

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Links Exist Between Your Generosity and Your Friends

Bert and Ernie

The study also found that when wealthy people are heavily clustered in a neighborhood, their generosity drops.

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The Only Right Answer To “Debit or Credit?”

Debit or Credit?

“Debit or Credit?” is a trick question. There is only one right answer and it’s not the one that benefits the store whose asking.

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Thou Shalt Not Covet Thy Neighbor’s Tesla

tesla_t

Since it is inevitable that each group of friends will represent a spectrum of financial capacity, healthy relationships require that all be prepared to manage these pressures.

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How Do I Open an Investment Account? Part 2 -Things You Can Do Tomorrow

Vanguard account opening

Here’s a walk through of the account opening process at Vanguard.

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The Complete Guide to Your Washing Machine

Washing Machine

The complete guide to saving money while washing your clothes. How much does my washing machine cost me? What temperature should the water be? What cycle should I use? What detergent should I use? What’s best for my clothes?

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How Do I Open an Investment Account? -Things You Can Do Tomorrow

NYC skyscrapers

Sometimes what stops someone from following advice is just not knowing where to begin or how easy it is. Many personal financial advisors have minimums, so where do you start if you only have a small amount of money to invest?

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7 Things to Keep in Your Wallet & 6 Things to Leave at Home

Black Wallet

What should you keep in your wallet? And what precautions should you take in case it gets lost or stolen?

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The Optimist’s Antidote

RIP best ideas

Behavioral psychology research suggests that you should send your best ideas to the grave.

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Budget? What Budget?

Bucket in Trees

Even if you just have an idea of where your money is going, you should still have a very good idea.

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Improve Your Financial Decisions (Book Review)

lazy brain_t

Behavioral psychology is uncovering many common mental lapses and offers new ideas for improving decision making in light of these heuristics.

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Useful Things You Can Do In 15-Minutes or Less

Useful Things

How much can you save in 15-minutes? Ready. Set….

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