April 19, 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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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David John Marotta & Megan Russell Mentioned by Rush Limbaugh

Rush Limbaugh 2014-01-22

David John Marotta and Megan Russell were mentioned on Rush Limbaugh’s show for their article “Should We Wallow in the Rising Stock Market?”

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David John Marotta Mentioned on Sean Hannity’s Show

Sean Hannity 2014-01-22

Sean Hannity’s radio show covered Marotta and Russell’s “Should We Wallow in the Rising Stock Market?” Thanks to sensational headlines and selected quotes, the message of the article is changed with each re-telling.

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David Marotta Interviewed On LA Radio KABC

On Air

David Marotta was interviewed on radio KABC in Lost Angeles, discussing the article Should We Wallow in the Rising Stock Market. Listen to the radio show here.

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How should investors respond to tender offers?

tender offer

Advice for those who own individual stocks when a response to a tender offer is needed. The research for this article turned out to be much more interesting than I first anticipated.

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Index of Tax Tables

Tax Tables

Want the full list of tax tables? Here they are in one place for easy browsing.

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Freedom Investing Over The Past Decade

Freedom Investing 2014

The portfolio of the five freedom countries has an annualized return of 11.06% over the past decade.

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Radio: Prep for Financial Apocalypse

Marotta Smiling On Radio

David John Marotta was interviewed on radio 1040 WINA’s Schilling Show and talked about preparing for the coming financial apocalypse.

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Marotta’s 2014 Gone-Fishing Portfolio Calculator

The fishes

A gone-fishing portfolio has a limited number of investments with a balanced asset allocation that should do well with dampened volatility.

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Marotta’s 2014 Gone-Fishing Portfolio

Sunset fishing

A gone-fishing portfolio keeps investing simple.

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Bitcoin Trashing Makes The Case For The Gold Standard

Slack Palm

A return to stable money would signal the death of the bitcoin and other stores of value used as hedges against dollar mismanagement.

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University of Virginia Best Plan 2014 Asset Allocation Recommendation

Is this the BEST?

Here is an asset allocation recommendation for the The University of Virginia Physicians Group 2014 BEST plan.

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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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VerizonWireless.com Suspicious Email With Attachments

Verizon Wireless

How not to do customer service.

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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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Media Storm Surrounding Marotta Advice

RUN FOR THE HILLS! Top financial adviser sees imminent collapse of U.S. civilization

Recently we had one of our blogs posts go viral and capture the attention of the national news.

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Annual Exclusion From Gift Taxes

White Gift with Red Ribbon

There is a limit, or exclusion–an amount that the government will allow you to gift to a person per year, without incurring tax consequences.

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Chronicles of Aria Prime, Episode One by AJ Reissig

AJ Reissig

The adventure begins as a tale of interstellar travel, but quickly morphs into a space opera and post-apocalyptic survival story.

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