There are two events that may cause an increase in volatility in the marketplace before year end: 1) The presidential election, and more specifically a Trump victory, and 2) The Fed meeting in December, if they decide to raise interest rates.
Social Security Changes are Coming – Over 66 Act Now!
Every financial advisor worth his or her salt knows the sublime benefits of the well-known and easily-confusing social security strategy called “File-and-suspend.” The strategy was for the higher wage earner to file for benefits but elect to suspend receiving them and so earn deferred retirement credits.
Caution: Slippery When Wet
3 College Savings Mistakes - It’s OK to Admit You Don’t Know
How to Pay Down Student Loans
Student debt is a real problem for many college graduates. Over 70% of students will graduate with loans in 2015, according to the Wall Street Journal, and the average debt per borrower is an astounding $35,000. What are some of the best ways to pay down that student debt as quickly as possible?
Quarterly and Annual Returns
Roth VS. Traditional 401(k) - Calculators and Behavior
If you’ve been reading my blog you’d know that I think Roth savings are a great opportunity for many, many investors. If you plan to max out your contributions this year you can effective save more by saving in a Roth, whether an IRA or 401(k). Recently I’ve run across a common calculator available on the internet. When a user puts in their details it is supposed to help you compare saving in a Roth 401(k) or traditional 401(k). However, the default assumption is that when you decide how much to contribute you will reduce the amount you will be saving in a Roth by the amount of taxes you would have to pay. That seems like something a rational investor would do, right?
