Archive for February 2018

Factors To Be Considered In Developing An Investment Strategy

There are many different approaches to investing in the stock market, but most fall under two categories: exclusive and inclusive. Exclusive means conducting thorough research on prospective companies and investing in a portfolio of select, thoroughly vetted securities. One of the advantages of this approach is that if an investor’s research pans out, he could…

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Retirees And Tax Returns

Under what circumstances can you not file a federal tax return? Presently, there are two scenarios: If Social Security benefits are the taxpayer’s only source of income; or, In the 2017 tax year, if a taxpayer’s total income is less than his or her standard deduction plus one exemption (assuming the taxpayer is not claimed…

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Second Marriages: Financial Finesse

Of all the questions we ask a potential spouse before tying the knot, they seldom include: “Who are the beneficiaries of your investment plans and insurance policies?” “Do you wish to be resuscitated if your heart stops or if you stop breathing?” “Do you want your ex or me to be guardian for your children…

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Exclusive vs Inclusive Investing

There are many different approaches to investing in the stock market, but most fall under two categories: exclusive and inclusive. Exclusive means conducting thorough research on prospective companies and investing in a portfolio of select, thoroughly vetted securities. One of the advantages of this approach is that if an investor’s research pans out, he could…

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The Impact Of Income Inequality

A new study of high-earning clients of a bank’s wealth management unit tracked the fortunes of male and female young adults to learn how income inequality would impact their lives. The assumptions had both genders starting out in the job market earning a salary of at least $100,000 and in possession of an inheritance of…

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Reining in Impulse Purchases

Try as we may to be responsible, almost all of us end up spending money frivolously at one point or another. It’s good to recognize this and perhaps set aside money in your budget for discretionary purchases. However, on a day-to-day basis, it’s important to remain vigilant about spending habits and be aware of when…

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Saving Money In Retirement

Today, nearly half of U.S. households report having zero retirement savings, according to the Economic Policy Institute. This means that without significant changes in wages, expenses and saving habits, millions of Americans likely will be living solely on Social Security benefits in retirement. Even if you expect to have a bit more in savings, with…

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A New Trend in Retirement Communities: Co-housing

If you live in Florida or Arizona, you’re probably familiar with the concept of age 55-plus communities. They’ve been popular with retirees for several decades now, particularly among “snowbirds” who lived up north most of their life and then relocated to southern climes once they retired. Now there’s a new iteration of retirement communities: It’s…

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