Archive - October 7, 2014

1
Increased Debt Fueled 17 Year Stock Bubble
2
Third Quarter 2014 J.K. Financial, Inc. Performance Report Cover Letter (Clients)
3
Strategies for Claiming Spousal Social Security Benefits
4
5 Ways to Minimize Your Retirement Income and Maximize Health Insurance Tax Credits

Increased Debt Fueled 17 Year Stock Bubble

  From 1949 to 1971 GDP grew at the same pace as debt balances. From 1971 to 1979 debt grew at a faster pace which could have been because of the real after-tax, after-inflation cost of debt was negative due to high inflation. In 1979 to 1982 interest rates were increased to fight inflation and from 1982 rates went down for the next 30 years which encouraged the use of more debt. Stock prices went up much faster than GDP starting with the bull market of 1982. From 1974 to 1994 stock prices went up at the same pace as… Read More

Third Quarter 2014 J.K. Financial, Inc. Performance Report Cover Letter (Clients)

Dear Investor: In this Quarter’s Newsletter, the lead investing article is about entering a period of “Black Ice” investing. The possible mistake is the tense as we stumbled into the end of this quarter in rather wobbly fashion, dragging almost all assets to a loss for the quarter and leading us to think we may already be in a period of “Black Ice” investing. This being the case, “historically” the final quarter is the best if history continues to rhyme. Last quarter we mentioned possibly “leaning” towards international markets. While the Ukraine situation is disturbing, it has so far,… Read More

Strategies for Claiming Spousal Social Security Benefits

Senior CoupleAccording to The Motley Fool, many Americans claim their Social Security benefits as soon as they can, at age 62. In “Social Security for Spouses: When 66 is Worth Waiting For,” The Motley Fool suggests that instead of rushing to claim benefits as soon as possible, spouses consider how waiting may allow them to maximize their benefits. There are many scenarios in which waiting until full retirement age  (at least 66) will allow you to claim more than if you start your benefits before the age of 66 because anyone—single or married—who claims benefits before full retirement… Read More

5 Ways to Minimize Your Retirement Income and Maximize Health Insurance Tax Credits

Many retirees sign up for Medicare at age 65 as their primary form of medical insurance. However, if you retire before age 65 without coverage from a former employer, you may find yourself looking for coverage through the Health Insurance Marketplace. Depending on your income and household size, you may qualify for federal tax credits, a combination of credits and subsidies, or Medicaid. The surprising part is that some high net worth and high income earners can qualify. For example, a household of two 62-year-olds living in Chester County, PA with an income of $55,000 may qualify for a $913/month Read More

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