Archive - May 2013

1
Most Shareholder Meetings Are Painfully Boring; You Should Attend One!
2
Are You Paying Too Much Tax On Your Bond Income?
3
When Did You Last Review Your Insurance Coverage?
4
Top Tips for Foreign Investing

Most Shareholder Meetings Are Painfully Boring; You Should Attend One!

Springtime ushers in a rush of annual shareholder meetings, but these days, few investors are making this corporate pilgrimage. Every publicly traded stock is required by law to hold an annual shareholder meeting, and most companies fulfill this requirement with as little time or meaningful content as possible. But failing to participate can be costly when investors and executive managers fail to look each other in the eye.

Of the thousands of public shareholder meetings, most begin with the CEO reading a scripted (boring) financial update that highlights the wonderful opportunities that lay ahead. The board of directors is elected …

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Are You Paying Too Much Tax On Your Bond Income?

You may be overpaying or underpaying taxes on your bond income and not even know it. Bond taxation is complex because there are several considerations that require different tax treatments. If a bond is purchased at par and held to maturity, it is fairly simple. If it’s a taxable bond, you pay income tax on the coupon income. If it’s a tax-free municipal bond, you don’t.

But most bond purchases are not that simple. Bonds are generally purchased on the secondary market at a premium or a discount. Some bonds are purchased at original issue, but at a steep discount …

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When Did You Last Review Your Insurance Coverage?

When is the last time you compared rates on your home and auto insurance policies? Unfortunately, a stellar safety record doesn’t always translate into lower insurance rates. Even if you think you have a good rate, shopping around periodically is smart.

After receiving my April newsletter and attempting to follow my advice of maintaining an umbrella insurance policy, one of my readers contacted his insurer to add coverage. This reader was shocked when his insurer informed him that he didn’t qualify for an umbrella policy because he didn’t carry sufficient liability insurance on his auto policy. (Minimum auto liability …

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Top Tips for Foreign Investing

As the global economy seeks to expand, more investors are finding that their portfolios are becoming inevitably diversified from foreign markets. Products that reach consumers at a global level almost always involve an international supply chain that requires various investments in various foreign markets. For example, investors might find infrastructure or job training investments in India are needed in order to service a customer service need or deliver an inexpensive product to consumers in rural areas.

Products made cheaply in China that reach a global audience also requires investments in shipping, marketing, and advertising in other markets. Niche companies in …

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