Are Recessions a Real Thing?
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Regardless of which it is and whether we are in a recession, it is always a good time to have a balanced portfolio.

Radio: Dangers of Seeking Utopia
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On Tuesday, April 12, 2022, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about dangers of seeking utopia and the sinfulness of humanity.

Avoid the Publishers Clearing House Scam
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Protecting you from elder fraud is just one of the many services we can offer as a part of comprehensive financial planning.

#TBT The Value of Systematic Roth Conversions
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In this video, David used examples from our tax planning service to demonstrate what a Roth conversion plan might look like and how systematic Roth conversions can create a higher after-tax net worth in the future.

Protect Yourself By Silencing Unknown Callers
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This process works as the people in your contacts list are probably not scammers.

A Closer Look at Freedom 100 Emerging Markets ETF (FRDM)
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FRDM is interesting, but using our country specific funds plus a low cost Vanguard Emerging Market fund allows us to emphasize freedom for as low a cost as possible.

Big Mac Index Shows Official CPI Under Reports Inflation (2022)
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I decided to see if McDonald’s famous burger was still appreciating faster than the CPI. It has been.

#TBT What Are Normal Market Movements?
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It is common for investors to be surprised by movements in their portfolios. This 2019 article reminds us though that even volatile movements can be quite normal.

#TBT Before You Get Out Of The Stock Market, Read This
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When you get out of the markets, you have made a huge gamble with your retirement money, and now the stakes are high.

#TBT A Guide to the Bear Markets
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This series on each Bear Market helps remind us that there is nothing to fear.

Current Inflation vs. Expected Inflation (June 2022)
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Currently, 12-month inflation is 8.58% and the crowdsourced expected inflation is 2.88%. Here’s what to do.

#TBT The Price of Listening to Dire Predictions
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While it is always true that a recession will come eventually, shifting to bonds whenever one is predicted has serious consequences.

#TBT Harvest Major Capital Losses Whenever You Have Them
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While you can only use $3,000 per year of capital losses to reduce your taxable income, you should bank as much capital loss as possible for other future uses.

#TBT The Lower The Market Falls The More Important It Is To Stay Invested
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A recovery after a significant downturn in the markets is often marked by steep growth. If you sell and flatline, you will likely miss the market’s natural recovery and thus your own personal future recovery becomes very difficult.

Exemptions to Fiduciary Rule Jeopardize 401(k) Plans
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Being a fiduciary means more, regardless of what the Department of Labor might write in their press releases.

Bond Markets: Worst Quarter in 40 Years & Not That Bad (April 2022)
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We think holding your next seven years of spending in relatively safe bonds is always a good idea. But holding too much in bonds may not keep up with inflation and is not ideal for your long-term investment strategy.

#TBT Don’t Do Something. Just Stand There!
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You learn a lot by the discipline of reading old news.

Happiness Is The Result Of A Life Lived With Purpose
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Regardless of what you do with the money earned, continuing to work is a worthwhile journey.

June Marotta: The Practical Teaching of Economics
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Equating an entire school system into an economic game is one way which has worked for Keys.

Seven Reasons to Avoid Bitcoin
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Bitcoin satisfies some of the characteristics of a currency, but there are at least seven areas of concern.

#TBT How Long Should I Keep Financial and Tax Records?
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Whenever the IRS challenges you, the burden of producing evidence that your claims are true rests entirely with you.

#TBT How to Deduct U.S. Debt Obligations on State Tax Returns
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Some states do not tax their residents on income from a mutual fund that was earned on U.S. government obligations.

Marotta Family Saying: Make Half a Mistake

Three generations explain this family saying which teaches one method of mitigating risk.

Radio: How The United States Ruined Its Own Fiscal Health
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On Tuesday, March 8, 2022, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about “How The United States Ruined Its Own Fiscal Health.”

High Inflation, Low Fiscal Health, and What Comes Next for the U.S.
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At 4.0% inflation, cash will lose 82.88% of its value over 45 years. Such loss of value can ruin a retirement plan more so than any market returns. Your long term investments need to appreciate well over inflation. The best method to do that is to stay mostly invested in stocks.

An Overview of Marotta’s 2022 Gone-Fishing Portfolios
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A gone-fishing portfolio is a portfolio of just a few stocks which should weather the ups and downs of the market fairly well while only rebalancing twice a year.

Marotta’s 2022 Gone-Fishing Portfolio Calculator
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This gone-fishing portfolio is our default portfolio which can be used at any custodian.

Marotta’s 2022 Vanguard Gone-Fishing Portfolio Calculator
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We recommend this gone-fishing portfolio for accounts hosted at Vanguard.

Bitcoin, Tulips, Beanie Babies, and Speculation
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I expect that eventually Bitcoin will either develop a real, useful value for investors or the bubble will burst.

Updates to Schwab Institutional Intelligent Portfolios Limited Fund Selection
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Now that the Franklin Templeton funds have been added to the Institutional Intelligent Portfolios platform, we are updating our allocations to use the cheaper funds as their primary targets.

How to Self-Insure for Long-Term Care Health Expenses (2022)
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Saving for long-term care, if done early enough, is not too expensive and helps to protect yourself from this potential financial shock.

Study Helps Track Long-Term Care Cost Options
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We are very thankful that Genworth has released this information freely for everyone to use.

Few Spaces Left in Marotta’s Online Class (Thursdays in March 2022)
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The class will be held virtually on Zoom each Thursday from noon to 1:00 PM EST between March 10 and March 31, 2022.

Radio: A Review of Freedom in the United States (2022)
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On Tuesday, February 8, 2022, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about “The Failure of Government.”

June Marotta’s Lesson Plan for Social Responsibility and Economics
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Like any good free market system, it is infinitely flexible, adapting to the needs and resources of the environment.

Enroll in Marotta’s Online Live Class (OLLI 2022)
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The class will be held March 10 through March 31, 2022 each Thursday from noon to 1:30 PM on Zoom.

Even The Premium is Risky in Long-Term Care Insurance
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Add this to the list of reasons to avoid long-term care insurance and strive to self-insure.

#BestOf2021 The Value of Systematic Roth Conversions
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Why do people do Roth conversions? Should I? This timeless article and video answers all your questions.

Swap to Franklin Funds Saved Clients Over $100,000
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The estimated advantage of Franklin funds during 2021 was 0.40% or $118,955.

#BestOf2021 Should I Pay Off My Mortgage?
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Many financial writers get the answer to this question wrong.

Spam Analysis: Proprietary Stop-Loss Methodology
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It is important to understand your investment philosophy well enough to know what they aren’t telling you.

#TBT Financial Help for the New Year
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A 2007 article that stands the test of time. This is the year you should keep your financial resolutions. Getting help from an objective advisor can provide both a powerful catalyst for action and real peace of mind.

#TBT Marotta on A Christmas Carol
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Charles Dickens’s A Christmas Carol is one of the best stories for talking about economics. This 2003 – 2012 series uses the classic tale to illustrate different financial personalities, principles, and philosophies.

Review: Amazon Rewards Visa Signature Credit Card
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All in all, this card is a fairly easy way to pay 5% less for any Amazon purchase.

Best Credit Cards of 2022 for Those with Excellent Credit
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These credit cards won’t change your life, and they shouldn’t, but they can get back a very small portion of the money you spend each month.

Your Children Are Not Entitled To Your Retirement Savings
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Hard work can often only be learned by struggling. You can’t teach your children to live within their means if you always supplement their means.

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.

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