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How to Budget for Emergencies: Divorce, Separation, or Widowing
on August 26, 2019
with No Comments
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
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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
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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
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Setting aside some of the payment to cover future inflation is a prudent retirement planning practice.
State Tax Credits: Navigating the New IRS Rules to Find Tax Savings
on August 6, 2019
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This June, the IRS came out with their final ruling on how charitable gifts to receive state tax credits will be handled. This is how the strategy works now.
How to Budget for Emergencies: Trip to Hospital
on August 5, 2019
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This is the financial shock of a trip to hospital. It is upsetting, expensive, and unexpected.
Looking Backward On Socialism: A False Appeal To Nordic Countries
on August 2, 2019
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The appeal to the Nordic countries from socialists is a false one. Iceland, Denmark, Sweden, Finland, and Norway are examples of market economies, not socialism.