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.
Many people don’t understand how fixed income is priced, so let me take you through the math.
Return reporting can create either darker or rosier pictures depending on the dates selected.
We avoid investments we deem too risky or laden with fees and seek instead a well balanced, low-cost, diversified portfolio.
Fearful of monetary or societal failure, many hope that owning gold will bring them peace of mind. This articles reminds us to get peace of mind a different way.
After a cash allocation for spending, we suggest you invest the remainder of your account in appreciating stocks.
We recommend ignoring this offer if you want more Health Care and taking this offer if you want more Consumer Staples.
Instead of waiting, remember that the greatest buying opportunity of your life is always right now.
This article gives you the formula to decide how much to offer or if the property is a good deal.
About 4% of elders falling victim to fraud with estimates that over $2.9 billion is lost to elder abuse every year. Being aware of the scams helps to protect yourself.
Gifting depreciated stock is more complex and never to anyone’s advantage.
If this title attracted your attention, you may be prone to viewing clickbait.
Share class exchanges can create small savings for investors who have found themselves invested in the wrong share class. However, it is better to buy the lower cost funds in the first place.
Knowing the difference between these categories helps you to use them appropriately.
An overwhelming number of failed marriages cite financial troubles as a major factor in their breakup. See if this 2006 article can help make finances a place of union rather than separation.
Websites such as investor.com are useful, but not as useful as you might hope.
On Tuesday, April 11, 2023, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about best practices for using credit cards.
On Tuesday, January 10, 2023, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about the current debt ceiling discussions.
By discounting portfolio returns to only real returns, we have already considered inflation in the planning targets.
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.
This article from 2011 reminds us that if the debt ceiling is reached, the consequences will be large but not entirely harmful.
While it is always true that a recession will come eventually, shifting to bonds whenever one is predicted has serious consequences.
While our 2022 update saw a number of changes, this year we only have one change.
This gone-fishing portfolio is our default portfolio which can be used at any custodian.
We recommend this gone-fishing portfolio for investors with brand loyalty to Vanguard.
This 2007 post teaches how to use both investment losses and investment gains to good tax advantage.
In the past, we’ve shown some preference to Vanguard funds, but going forward we plan to show some preference to the cheaper Fidelity funds.
This series on each Bear Market helps remind us that there is nothing to fear.
In order for a store credit card to be worth consideration, it should offer cash back of somewhere near 5% and have no annual fee.
On Tuesday, January 10, 2023, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about how long we should plan on living in retirement projections.
Item 9 Custody offers perhaps some of the most confusing and most often changed compliance questions.
I have adopted this card as the primary one in my wallet for groceries and gas.
This 2008 article reminds us that anyone who spends more than 4% of their rebate will actually lose ground saving toward their retirement.
Reducing expense ratios by a theoretical 0.42% is a significant result. It is good to know that what works in theory has also worked even better in practice.
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.
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.”
On Tuesday, December 13, 2022, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about the causes of inflation.
The class will be held April 13 through May 4, 2023 each Thursday from noon to 1:00 PM on Zoom.
Financial planning can be romantic. As this 2011 article reminds us, “nothing is more romantic than planning how to realize your shared hopes and dreams for the future.”
Saving for long-term care, if done early enough, is not too expensive and helps to protect yourself from this potential financial shock.
Doubling your retirement is not a fast process. It is the slow and steady practices of daily financial diligence.
This 2016 post has been our most popular search result recently for good reason. After the 2020 COVID bear market, this article is a comforting bit of math.
This 2004 post has ten timeless rules for small businesses to maintain their financial balance.
Which is worse: Being destitute while still alive or dying happy and provided for with a little extra?
A savings waterfall is a tool to help investors prioritize savings goals and allocate funds appropriately.
Social Security has a number of flaws, to which these static tax brackets can be added.
If you have received a projection from your company which included a lump sum offer that you were interested in taking, you may want to analyze it again.
The worst financial problems stem from trying to live a champagne and caviar lifestyle on a beer and chips budget.
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.
Every day, we voters and the government have the chance to free our children from this burden.