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Archive for November, 2013

Written by: Jeremy Shafer

First, the numbers.

In total over 4,000,000 people, a majority of them financially illiterate, merged their financial lives in marriage.  Future studies will tell us how this turns out.  Common sense tells us there’s work to do.  Here are five considerations for marriage and money. Read more

Is your child hurtling toward college but you haven’t given more than a few anxious thoughts to how you’re going to pay for it? School is drawing closer and tuition projections seem to grow more outlandish by the year. Avoiding the issue won’t make it go away, and the sooner you tackle it, the better off you are. Read on for some tips.

Resist the urge to stand still: If you haven’t done anything yet, you think, why start now? Well, with compounding, a dollar saved today is much more valuable than a dollar saved 10 years from now. And even if you manage to save only a small amount between now and the time your child is ready for college, he or she is going to have to borrow that much less for tuition. The key is taking that first step. Read more

Gifting investments is becoming more and more popular.  Schwab has created a timetable to let you know what the deadlines are in case you are interested in doing some stock/fund gifting this year.  As always, give us a call to process or if you have any questions!

2013 Year End Giving Timetable


Mutual funds are required by law to provide significant (or “material”) information to investors in the form of a prospectus. A prospectus is a legal document describing the history, organization, management, operations, performance, and costs of a mutual fund.

Since legal jargon can make prospectuses difficult to understand, here is a list of important points an investor should keep in mind while reading a prospectus. It is strongly recommended that potential investors read and understand the prospectus before investing. Read more

When the stock market experiences extreme volatility, an investor’s best bet is to focus his/her energy on factors that can be controlled. Unfortunately, many investors panic-sell and lose their money. When the market rebounds, many investors are left wondering if it’s the right time to get back in.

Your best bet during turbulent markets is an investment of time. You want to invest in time to see where you stand now, and, if you determine changes are in order, thoroughly research your options. Here is a three-step checklist to manage your investments during turbulent markets. Read more

Written by: Jeremy Shafer

Young kids tend to grow into adult kids with time.  Regardless of their age, to us they will always be kids.  They will fight for their independence yet crave our approval.  And few areas in life are more difficult to navigate with adult kids than money.  I’m speaking from theory and anecdote – we’re still sailing the 5-and-under seas.  All the same, here are five tips for dealing with money and adult kids. Read more

d-iAs an investor, you may ask if an allocation to dividend stocks in your retirement portfolio will help keep up with inflation. Examining stock returns during periods of high inflation may answer this question. Dividend-paying stocks may offer benefits such as stability through income return and inflation protection. While stock prices tend to be volatile, dividends may serve as a stable component of total return and may provide better inflation protection compared with bonds. Between 1974 and 1980 (high inflation period), the average rate of inflation was 9.3%, much higher than the historical rate of 3%. During this time, bonds yielded 7.9% from income, but prices declined by 2.7%, resulting in a total return of 5.6%—way short of inflation. On the contrary, stocks returned a total of 10%: 5.0% from dividend income and 4.8% from price return, outpacing inflation for this time period.