Archive - August 2017

1
Employee Benefits For Transitioning Personnel-Employee Stock Options
2
4 Money Mistakes Expectant Parents Make
3
A Good Time to Sell?
4
Nothing is Everything
5
Primer on Indexes; What Are They? Part 1.

Employee Benefits For Transitioning Personnel-Employee Stock Options

There are many employer benefits that just aren’t available to servicemembers.  Before separating from service, it’s important to understand what types of benefits exist, and what impact they may have on our personal finances.  This article focuses on employee stock options, specifically:

  • What are stock options?
  • Why do stock options exist?
  • Why do employers offer employee  stock options?
  • What type of employee stock options are there?
  • Tax treatment of employee stock options
What is a stock option?

A stock option is simply a contract that allows you to purchase or sell shares of stock (usually in blocks of 100 shares), …

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4 Money Mistakes Expectant Parents Make

I read this article (4 money mistakes people keep making when they’re expecting a baby) by Sheryl Nance-Nash recently. I have a few clients (parents and grand-parents) that are expecting. I found it timely for them and there are lessons for others here too.

  1. Don’t buy too much stuff. Baby’s don’t really need all the things that are sold. Don’t use debt.
  2. You may need to adjust your budget. Changes in your life can mean changes in your budget are in order.
  3. Don’t neglect thinking about your future needs. Save for college, save for retirement.
  4. Update your estate planning documents.
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A Good Time to Sell?

I got a call this week from a client who wanted to sell more than 50% of their investments over fear that the North Korea situation might balloon into something big. Despite my assurances that the market is trading within 1% of an all-time high, and if institutions with billions of dollars under management weren’t selling, why would we? What do we know that they, with their millions of dollars in market and geo-political risk assessment research, don’t know? And once you sell, how will you know when to get back in?

So far, the world markets seem to be …

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Nothing is Everything

I’m a fool for doing this, but I do read some comments on Facebook posts. I saw a rather touching one recently, where a young woman noted, “When you have kids, they’re your everything”. Boy, do I know what she means. In my uber-Mommy phase, I went so far as to wear a corduroy jumper  appliquéd with a teddy bear carrying a Christmas tree, just because it would delight my then-little daughter. Luckily there are no pictures.

Over time, I’ve also heard people declare their spouse, lover, job, and pets to be “everything”. Then there are the magic bullets we …

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Primer on Indexes; What Are They? Part 1.

This article about the stock index first appeared in a monthly news letter to my clients in March of this year. This is the first part of a four part mini-series.

Since nearly every media outlet on the planet reported the news, you probably already know that the Dow Jones Industrial Average topped 20,000 for the first time on January 25, 2017. But when a popular index like the Dow is on a tear, up or down, what does it really mean to you and your investments?

Great question. In this multi-part series, we’re going to cover some of the …

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