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Four Possible Consequences of Regulation Best Interest
on September 2, 2019
with No Comments
These are four possible consequences of Regulation Best Interest.
How to Implement Basic Investment Strategies
on August 30, 2019
with No Comments
In 2009, David Marotta wrote a five-part article series for the Charlottesville Business Journal covering basic investment strategies. Its advice is still relevant today.
Schwab’s 3 Myths of Responsible Investing Are Actually True
on August 27, 2019
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In reality, all three “myths” are cause for real concern about SRI, ESG, and other so-called impact investing.
How to Budget for Emergencies: Divorce, Separation, or Widowing
on August 26, 2019
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Although this is the least common financial shock studied, it is one of the most difficult because at its core it is a problem money cannot solve.
Six Ways Regulation Best Interest Falls Short of a Fiduciary Standard
on August 23, 2019
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The SEC is allowing financial professionals to hide in a lower legal requirement, not meet a fiduciary standard, and call it “Best Interest.”
Spam Analysis: The New Evidence Proves Stocks Will Crash Soon Article
on August 22, 2019
with No Comments
It requires discipline to ignore dire warnings.
Core Values Budgeting: One Strategy to Identify Budgeting Changes
on August 20, 2019
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Here is a strategy that can both help you identify what you value and help you start your budget.
How to Budget for Emergencies: Other Large Expenses
on August 19, 2019
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Financial shocks can come in all shapes and sizes. This strategy of budgeting should increase your chance for success over the long haul.
Q&A: How Should I Balance Retirement Savings With Other Needs?
on August 16, 2019
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Anything which is not contributing toward your financial independence should be considered part of your lifestyle spending.
The Cost of Keeping Some Money Safe
on August 15, 2019
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Keeping $100,000 might cost you $500,000 in lost opportunity costs over 20 years.
2019 Social Security Facts on Its 84th Birthday
on August 14, 2019
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Social Security just turned 84 years old today (August 14, 2019). It has stayed alive on the false sentiment of sunk costs.
SEC Regulation Best Interest Does Not Have Your Best Interests At Heart
on August 13, 2019
with No Comments
On June 5th, 2019, the Securities and Exchange Commission (SEC) released their final draft of Reg BI, or “Best Interest” as it is called.
How to Budget for Emergencies: Pay Cut
on August 12, 2019
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Whatever technique you use to smooth your income, providing for the possibility of having a sudden reduction in income can help your family self-ensure against this potential financial shock.
Q&A: Can I Still Use a QCD to Get State Tax Credits?
on August 9, 2019
with No Comments
If a portion of your charitable gift is nondeductible, then no portion of the gift can be counted as a Qualified Charitable Distribution. But there is one accepted loophole for QCDs.
How to Calculate Safe Spending Rate from a Fixed Pension
on August 8, 2019
with No Comments
Setting aside some of the payment to cover future inflation is a prudent retirement planning practice.