Archive - November 2014

1
Wants and Needs
2
Does Quantitative Easing Really Work?
3
How to Prepare for a Stock Crash
4
Tax Extenders: To Be or Not To Be?
5
A new way to fund your Roth IRA

Wants and Needs

350px-kiaules_metai1_2007-01-112Sometimes when we need more money for a specific goal in the future such as retirement, college, a down payment on a home or an emergency fund we may feel that before these things can happen we need to make more money. We may feel that once our incomes are up to a certain level that we’ll be able to afford to save for those goals.

It may not be necessary to earn more in order to achieve the above goals. For many folks the solution is simply to prioritize. In other words, learning to distinguish between the wants and …

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Does Quantitative Easing Really Work?

Regarding Quantitative Easing (QE) doubts have been raised about it, is it simply a placebo that worked only a tiny bit (not yet proven) in highly financialized countries like UK, US and can’t work elsewhere? Is it essentially analogous to fraud where the intended target is street smart and cynical enough to spot it and avoid it, which means business managers will refuse to leap to the conclusion that demand will rise and they will instead hunker down and refuse to expand plant and equipment? It seems QE worked only as a placebo to fool a monkey in a cage …

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How to Prepare for a Stock Crash

you prepared for the coming stock crash? As time goes by the market will move closer to the top and the market will become more diffused with a few leaders way ahead that are pushing up the indexes and lots of weaker stocks lagging the index. Since there will be more laggards than leaders as we get closer to the top then the odds go up that your own personal portfolio will contain more laggards than leaders.

If you own the laggards then you could be losing even if the market index was going up. As the top is approached …

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Tax Extenders: To Be or Not To Be?

With congress returning to work this week, there are a few items that are still up in the air for tax year 2014.  The most pressing issue (at least in relationship to taxes) is the topic of tax extenders. These extenders expired Dec 31, 2013 and unless legislation is put in place this expiration could be costly for many taxpayers.

The list below outlines some of the most impactful expired provisions, but it is not exhaustive.

  • The state and local sales tax deduction.
  • The deduction for mortgage insurance premiums as interest.
  • The deduction for qualified tuition and related expenses.
  • The
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A new way to fund your Roth IRA

Photo courtesy of lee Scott on unsplash.com

Photo courtesy of lee Scott on unsplash.com

As you plan and save for your retirement, it’s nice to have multiple types of taxation for your income sources. You may have a pension, Social Security, and a traditional IRA, all of which are taxed to some degree or another.  Adding to this list you might have a Roth IRA which generally will provide you with tax-free income in retirement. The problem with the Roth IRA is that you have some strict limits on the amounts that you can contribute, and typical Roth Conversion strategies are costly and complicated. With the recent …

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