Account Funding Priorities for 2022
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Which account you should fund depends on your circumstances. However, there are some general guidelines you can follow to make your decision.

#TBT The Haunting of Bob Cratchit: A Book from David Marotta
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Did you know David wrote a Christmas novel? This 2020 book by David John Marotta and Brendon Marotta makes you rethink what is happening in Charles Dickens’ A Christmas Carol.

Annuities: Just Say No.
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You don’t need their product. You don’t even need to know why their specific product is bad. Just say no.

#TBT Don’t Eat Yourself Out of Financial Security
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As this 2003 post remind us, “The worst financial problems stem from trying to live a champagne and caviar lifestyle on a beer and chips budget” and it has a few common sense rules to uncommon cents savings.

Dying Young is Not A Retirement Plan
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Yes, many retirees may die with significant assets. However, this helps to ensure that they have sufficient assets to support their lifestyle should they make it to age 100.

Radio: Health Insurance Subsidies and Inflation
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On Tuesday, November 9, 2021, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about health insurance subsidies and inflation.

#TBT A Wealth of Satisfaction
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This 2011 article reminds us that there will never be another you in the history of the universe. Sometimes that is just the reminder we need.

The Costly Effect Of Saving In A Taxable Account
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The annual drag of taxable account taxation may seem like a small amount, but the effect over long periods of time such as 30 years is significant.

Purchasing an Annuity was My 42-Year Financial Mistake
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You don’t need to know why an annuity is a bad deal to say no.

#TBT Full-Nest Syndrome
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Many adult children are returning to live at home somewhat involuntarily. What can parents do to help? This 2011 article offers some wisdom.

Radio: Systemic Inequality in the Social Security Rules
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On Tuesday, August 10, 2021, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about Systemic Inequality in the Social Security Rules.

Be Relentless About Turning Off Marketing
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By being relentless about turning off marketing, you protect your finances from the poor decisions that advertising inspires.

How To Use a Marotta Capital Gains Tax Hurdle Report
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These complex formulas help decide when highly appreciated investments should be sold and the proceeds put in a different investment philosophy.

#TBT How to Self-Insure for Long-Term Care Health Expenses
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Long-Term Care insurance is too risky and too expensive. If you can self-insure, you will likely be better off.

How To Spend: Avoid Impulse Purchases
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Stopping to think through questions like these will likely help you make smarter decisions with your spending.

#TBT My Grandfather’s Journal: Don’t Be Afraid to Try
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I have enjoyed rereading the journal of my maternal grandfather, Donald Mortlock. He started writing it on his 75th birthday.

#TBT Appreciating Donor Advised Funds
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There are five ways that both you and the government could make charitable giving more significant.

#TBT Which Products Do You Buy and Which Do You Avoid?
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The selection of what products we purchase or avoid for clients is based solely on what we believe gives our clients the best chance to meet their goals.

#TBT Learning to Live on Your Own
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Here are several tips on how to live richly on your own.

Review: USAA Cashback Rewards Plus American Express Credit Card
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This is a fairly easy way to receive a 5% reward for my gasoline purchases but it does require that you have a family member who served in the military.

#TBT How To Get Out Of Debt
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This five-part series on “How to Get Out of Debt” will try to address the concerns of those who have debt problems.

Low Fees Correlate with Simple Disclosures
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We think keeping expenses low is an important part of the investing process.

VIDEO: Financial Calculator Tutorial for a 5-Year Loan Payment
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In this video we are going to compute the first mortgage payment of the 5-year loan used in the article “How to Help Your Children Purchase a Home.”

Review: SavorOne Credit Card by Capital One
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Once set up, the extra rewards may be worth the extra effort.

VIDEO: Financial Calculator Tutorial for a 30-Year Mortgage Payment
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In this video we are going to compute the first mortgage payment of the 30-year loan used in the article “How to Help Your Children Purchase a Home.”

Systemic Inequality in the Social Security Rules
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Social Security as it exists today is a failure either way you look at it.

Don’t Pay The Price of Structured Products Despite Principle Protection
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Given the purposeful complexity and limitations to structured products we suggest you avoid them.

Radio: Elder Abuse Scams
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On Tuesday, May 10, 2021, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about Elder Abuse Scams and how to protect yourself.

#TBT Taxing Capital Gains Unfairly Taxes Inflation
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Punishing people for inflation is neither fair nor good economic policy.

Marotta Family Saying: Not Good If They Have to Advertise It
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This was part of an intentional anti-ad campaign that my mother instituted to inoculate her children against the power of Madison Avenue.

Some Financial Planners Are Not Like The Others
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I recommend the NAPFA search tool and suggest you avoid the CFP Board’s search tool until they change how they do their searches.

#TBT The Real and Present Danger of Inflation, Even for Babies
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Investors greatly underestimate the danger of inflation.

How to Spend: Go To The Source
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Imagine how much you could save if you could cut all your expenses in half!

Should I Invest In The Harry Dent Sector Fund in Australia?
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We would suggest not listening to Dent’s commentary or investing in his fund.

Systemic Barriers to Racial Diversity in Financial Planning
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All of these factors contribute to the low inclusion of people of color among those holding the CFP® certification.

Review: Bank of America Credit Card
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Recently, I signed up for the Bank of America Customized Cash Rewards credit card offering a $200 online cash rewards bonus and 3% cash back in the category of your choice.

#TBT One Method To Estimate Future Inflation Expectations
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One method of crowd sourcing expectations about inflation is to look at the current differences between the maturity rates of a 5-Year Treasury Bond and a 5-Year Treasury Inflation-Indexed Bond.

Seven Elder Abuse Scams and How to Protect Yourself
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Here are the most common elder scams and how to prevent them.

Case Study: Anthony Diaz Hid Within FINRA for 15 Years
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Anthony Diaz was convicted on seven counts of wire fraud and four counts of mail fraud for investing in illiquid assets.

How to Secure Your Schwab Account
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Cyber security gravitates toward the low-hanging fruit of novice users. Even taking a few steps can greatly protect your accounts.

#TBT In Which Investment Vehicle Should I Stage My Spending Money?
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The addition of stable investments can help dampen the risk and increase the chances of meeting your spending goals.

Sixteen Problems with the Eat-What-You-Kill Model
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The culture of many commission-based firms makes it a poor environment both for employees and clients. Don’t take a chance with your retirement.

#TBT Most People Take Social Security At The Worst Possible Age
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This 2016 article reminds us that, “Unless you are certain that are going to die young, there is no good reason to risk starting Social Security at age 62.”

Marotta Family Story: June Marotta’s KeyBucks
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In the speech, she tells the story of how she taught second through sixth graders about democracy, economics, entrepreneurial endeavors, and personal financial planning.

Radio: Biden’s Support of Unions
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On Tuesday, May 10, 2021, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about Biden’s support of unions.

David John Marotta Honored in Dear Holmes Mystery
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David John Marotta was awarded the Featured Detective honor on a recent “Dear Holmes” case.

#TBT Everyone Needs Some Frivolous Purchases
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Everyone needs some fun in their life, and sometimes fun costs a little money. This 2004 article shares six guidelines for dealing with purchases that might be considered frivolous.

How to Recontribute Funds to HSA Bank
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When you receive reimbursement for an expense you’ve already paid from the HSA, that portion of your HSA distribution is no longer a qualified medical expense and must be recontributed to avoid tax.

#TBT What Is The Alternative To An Annuity?
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It is always a good time to be reminded that an immediate fixed annuity is not an investment; it is an insurance product. This 2015 article by David John Marotta is a methodical unraveling of annuities and a description of the far superior alternatives.

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