Calculating the Impact of Warren’s Ultra-Millionaire Tax
with No Comments

It looks like the calculator is simply wrong. It uses a 3% tax rate instead of the 6% tax rate they cite for the Elizabeth Warren’s Tax Plan.

#TBT The Happy Habits of Appreciation and Gratitude
with No Comments

This 2016 article reminds us that “there is a very simple place to start the process of changing our destiny: Each day notice the things that make you happy and try experiencing more of them.”

#TBT The Economics of a Thanksgiving Turkey
with No Comments

This 2014 article changed the way we enjoy our Thanksgiving turkeys. Turkeys have always been an interesting study for economics. Because of the consistency of their demand in America, the price of a Thanksgiving turkey can be used as an indicator of inflation. This article should give you something fun to discuss this year.

Looking Backward On Socialism: The Hypnotic Appeal Of Future Pacing
with No Comments

Our first step is not “closing our eyes and imaging it.” We need our eyes wide open analyzing each idea for its own individual costs and benefits.

What To Expect After Dow 28,000
with No Comments

On Friday, November 16, 2019, the Dow closed above 28,000 for the first time in history. What should we expect going forward?

How To Spend: Use Only Just Enough
with No Comments

Most of our regular use of items is habitual. Developing a mindset that uses less requires changing our habits.

Looking Backward On Socialism: No Such Thing As Self-Sufficiency
with No Comments

One common socialist assumption is that government collectivism is so essential for success that there is no such thing as self-sufficiency.

The Monetary Benefit of Delaying Retirement
with No Comments

Continuing to work for five more years could increase your retirement standard of living by as much as 50%.

Spam Analysis: “The Last Republican President” Warning
with No Comments

This pitch is made by Bill Shaw of Stansberry Research, the same group that brought you the perennial “Reclusive Millionaire Warns” spam article. Don’t be gullible.

Careful Records Required To Track Capital Gains
with No Comments

Keeping a careful accounting of your investment’s cost basis isn’t glamorous, but it can help you save time and money when it comes time to sell.

You Are Probably Paying Too Much For Your Mutual Funds
with No Comments

Check your own funds. You are likely paying too much for your mutual funds.

Beware Sloppy Retirement Advice
with No Comments

There are at least seven major mistakes in this advice by Wells Fargo Asset Management.

Looking Backward on Socialism: Fulfilled By Different Countries
with No Comments

Edward Bellamy’s novel “Looking Backward” moved hearts and minds, ultimately moving nations and history.

The Uncommon Average of Investment Returns
with No Comments

The markets are inherently volatile, but they have also been inherently profitable. Setting your expectations accurately can help you stay invested long enough to overlook disappointing results and experience the long-term growth you are seeking.

Looking Backward On Socialism: A Radical Denial Of Human Nature
with No Comments

One of the most common socialist assumptions is that it is possible to perfect society.

In Which Investment Vehicle Should I Stage My Spending Money?
with No Comments

Your asset allocation matters to maintaining a balance in retirement of having money for the next 5 to 7 years and keeping up with inflation for time periods of 8 years or longer.

Spam Analysis: The “Protect Your Income” Pitch of Immediate Annuities
with No Comments

Understanding the most powerful sales techniques doesn’t change the fact that they tend to work.

AAII’s Charles Rotblut on Rebalancing
with No Comments

How to measure the rebalancing bonus and the benefits of staying invested after a market drop.

How To Set Beneficiary Designations At RiversEdge
with No Comments

Designating your beneficiaries is an important step in setting up and managing your retirement plan account.

Many Websites Are Merely Side Hustles
with No Comments

Be on your guard to avoid wasting money following the advice of an article written to maximize revenue.

Avoid Identity Theft By Using Different Random Passwords On Each Website
with No Comments

Here are some of the best practices to protect your identity.

#TBT Speed Is Not Critical When Investing
with No Comments

Using the analogy of a peach orchard farmer compared to a doomsday weather watcher, David Marotta reminds us in this 2004 article that “For the speculator, speed is everything. Not so, for the investor.”

Using Forward P/E Ratio To Dynamically Tilt A Portfolio
with No Comments

A low forward P/E suggests higher expected appreciation.

Four Possible Consequences of Regulation Best Interest
with No Comments

These are four possible consequences of Regulation Best Interest.

#TBT Frequency Matters More Than Height
with No Comments

This 2009 article reminds us, “When we are worried about our expenditures, we tend to look at the dollar amounts more than the frequency of our purchases.” However, to combat mindless spending, we should look to trim recurring expenses first.

How to Budget for Emergencies: Divorce, Separation, or Widowing
with No Comments

Although this is the least common financial shock studied, it is one of the most difficult because at its core it is a problem money cannot solve.

Six Ways Regulation Best Interest Falls Short of a Fiduciary Standard
with No Comments

The SEC is allowing financial professionals to hide in a lower legal requirement, not meet a fiduciary standard, and call it “Best Interest.”

How to Budget for Emergencies: Other Large Expenses
with No Comments

Financial shocks can come in all shapes and sizes. This strategy of budgeting should increase your chance for success over the long haul.

Q&A: How Should I Balance Retirement Savings With Other Needs?
with No Comments

Anything which is not contributing toward your financial independence should be considered part of your lifestyle spending.

The Cost of Keeping Some Money Safe
with No Comments

Keeping $100,000 might cost you $500,000 in lost opportunity costs over 20 years.

2019 Social Security Facts on Its 84th Birthday
with No Comments

Social Security just turned 84 years old today (August 14, 2019). It has stayed alive on the false sentiment of sunk costs.

SEC Regulation Best Interest Does Not Have Your Best Interests At Heart
with No Comments

On June 5th, 2019, the Securities and Exchange Commission (SEC) released their final draft of Reg BI, or “Best Interest” as it is called.

How to Budget for Emergencies: Pay Cut
with No Comments

Whatever technique you use to smooth your income, providing for the possibility of having a sudden reduction in income can help your family self-ensure against this potential financial shock.

How to Calculate Safe Spending Rate from a Fixed Pension
with No Comments

Setting aside some of the payment to cover future inflation is a prudent retirement planning practice.

How to Budget for Emergencies: Trip to Hospital
with No Comments

This is the financial shock of a trip to hospital. It is upsetting, expensive, and unexpected.

Looking Backward On Socialism: A False Appeal To Nordic Countries
with No Comments

The appeal to the Nordic countries from socialists is a false one. Iceland, Denmark, Sweden, Finland, and Norway are examples of market economies, not socialism.

Value Investing During Seasons of Growth
with No Comments

Generally speaking, Value stocks outperform Growth stocks. Investing based upon this finding is called “Value Investing.”

How to Budget for Emergencies: Major Home Repair
with No Comments

This is the financial shock of a major home repair. It is expensive and surprising.

2019 Second Quarter And Year-To-Date Returns For Our 6 Asset Classes
with No Comments

During 2019, the U.S. Stock Market generally rose during the four quarters from the lows set by the Almost Bear Market of 2018.

How to Budget for Emergencies: Major Car Repair
with No Comments

This is the financial shock of a major car repair. It is the most common financial shock with 30% of households reporting such an event within the last 12 months.

How to Use Your “World Asset Classes” Report Appropriately
with No Comments

Our intention in including this particular slide is to show the range of quarterly returns. Here is some wisdom on how to use this slide when comparing your own returns for the quarter.

#TBT Blending Index Funds To Achieve Higher Returns
with No Comments

When crafting your own buy list, this 2007 article reminds us that rather than just finding one index fund to fulfill your asset class, you should consider blending multiple sector level index funds to decrease volatility or increase return.

Does An Inverted Yield Curve Mean I Should Get Out Of The Markets?
with No Comments

It is easy for an inverted yield curve to spook investors.

How to Budget for Emergencies (The Series)
with No Comments

It is possible to be prepared for financial emergencies by living 10% more frugally and saving for the inevitable eventuality.

HealthSavings Administrators HSA Investment Recommendation
with No Comments

A low cost timeless portfolio for your HSA with HealthSavings Administrators.

Many Funds Close, Others Should
with No Comments

There is a science to portfolio construction. Selecting a random group of companies is just as bad as selecting a random group of funds.

#TBT Your Asset Allocation Should Be Priceless
with No Comments

Rebalancing from stocks into bonds reduces your returns on average since bonds have a lower average return. But, as this 2015 article reminds us, there are decades of very choppy markets where even rebalancing an allocation of stocks and bonds can boost returns.

Q&A: I Have a Marotta-Managed 401(k). What Should I Invest In?
with No Comments

We often get the question from plan participants, “What should I invest in?” Here are our recommendations in order.

Do Top-Ranked Funds Repeat?
with No Comments

Dimensional’s analysis found that top funds do not repeat.

1 2 3 4 35

Subscribe to our newsletter!