Archive - August 22, 2017

1
Estate Planning: What Same-Sex Couples Need to Know
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Gold’s Role In A Portfolio
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Are You Ready To Be A Landlord? Five Questions You Need to Answer

Estate Planning: What Same-Sex Couples Need to Know

As a USA Today article explains, estate planning can be complicated for anyone but it can be especially intricate for same-sex couples. Some of the same issues that heterosexual couples face apply but there may be additional hurdles.

Married? One of the first things a same-sex couple needs to do is determine if they are married. If the individuals never married, that determination is simple. However, if they married in or move to a state where same-sex marriages were contested, things are not clear. USA Today consulted Joan M. Burda, attorney and author of Estate Planning for Same-Sex Couples. …

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Gold’s Role In A Portfolio

A recent article on Seeking Alpha, “Gold’s Role In A Portfolio” has me again showing how the correct asset allocation to gold is zero percent.

Gold advocates will often go to great lengths to tout the advantages of owning gold while ignoring easier methods of achieving the same results.

Here are three way that the article was intentionally misleading:

Cherry picking the best time period

During the time period [1969 through 2016], gold returned 7.0%, about the same as bonds, but with much greater volatility than stocks.

First, this time period includes the hyperinflation of the 1970s. And …

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Are You Ready To Be A Landlord? Five Questions You Need to Answer

In the military, we face this decision more than most folks.  We buy a house because we intend to stay in it for a while.  We hope that we can hold it long enough to actually have prices rise over time, then either rent it or sell it for a profit.  Then life gets in the way.  We get an unexpected set of orders.  Exciting and nerve-wracking at the same time.  Career-enhancing, but life-altering.  As we get used to the new reality, we start to think:  “Am I ready to be a landlord?”

When real estate prices go down, sometimes …

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