Archive - 2017

1
Mailbag: What Do You Think About The Elliott Wave Principle?
2
2016 YDFS Investment Review
3
After-Tax Investment Considerations
4
13 Dos and Don’ts for Digital Wallets
5
Read more, spend less: financial planning lessons from novels

Mailbag: What Do You Think About The Elliott Wave Principle?

Mailbag: What Do You Think About The Elliott Wave Principle?

A friend of mine swears by using Elliott waves to determine when to get in and out of markets or various sectors or even individual stocks.

His charts show that Elliott Wave Theory has predicted nearly every market correction and he says that while people don’t always apply it properly it can successfully predict everything that is associated with human behavior.

I’ve learned enough to know that Elliott Wave Theory is based on some powerful math and Fibonacci sequences and fractals but I don’t know how to evaluate the claims.

Also, there are dozens of people claiming to use Elliott

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2016 YDFS Investment Review

So President-elect Trump didn’t crash the market; the world didn’t fall apart after the Brexit vote; and the worst start to the year in history didn’t derail what ended up being a pretty good year in the stock markets. “Who da thunk it?”

You know you’re deep into a longstanding bull market when you see things like average pedestrians keeping one eye on the market tickers outside of brokerage houses to see when the Dow Jones Industrial Average has finally breached the 20,000 mark.  Who would have imagined record market highs at this point last year, when the indices ended …

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After-Tax Investment Considerations

Some individuals have the ability to contribute after-tax amounts to their employer-sponsored plans such as a tax-deferred 401k or a defined benefit pension. Generally, since these amounts are after-tax, the contributions start adding up to a sizable amount known as basis. Basis is simply the amount of after-tax money put into these accounts that is not taxed when it’s withdrawn. However, any earnings on the basis are taxable.

Individuals considering contributing after-tax amounts to the above plans may also consider if it makes sense to contribute to a non-qualified brokerage account. Like the aforementioned employer-sponsored plans, contributions to a non-qualified …

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13 Dos and Don’ts for Digital Wallets

Digital payment options like Apple Pay, Google Wallet, Venmo and Square allow you to make payments with a tap of your phone or swipe of an app. They’re convenient, but with so many options available, it is hard to know which digital wallet to use—or even if you should use them at all, given potential cybersecurity risks. While we do not recommend any particular app over another, we wanted to provide a few easy guidelines for our clients and followers to make an educated decision.

Chip Cards

In the past year or so, you have probably received a new chip …

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Read more, spend less: financial planning lessons from novels

That would be one of my many, many New Year’s resolutions. But I already read tons of professional journals, work-related books, and general non-fiction. Like so many people since November, I need a little happy talk to counteract the general mood. So lately I’ve been popping a series of mystery books instead of OxyContin. I might add that these are all available from my local library as free ebooks, so I haven’t violated the second half of the resolution.

But, I guess everything looks to me like financial planning. If you want to have some fun while getting a very …

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