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.

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.

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.

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.

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 Principal 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, July 13, 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.

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