Archive - November 2014

1
Tax Alpha: How to save on taxes with multi-year tax planning
2
Warren Buffett’s Third Best Investment
3
Important Age Milestones in Retirement
4
The Hidden Risk In Corporate Junk Bonds
5
The Basics of a Mortgage Explained

Tax Alpha: How to save on taxes with multi-year tax planning

Eric’s Note: Be sure to read part two for additional tax planning ideas
Originally published at www.mcclainlovejoy.com: http://wp.me/p31Bd2-zb

Alpha refers to the extra return that an active investment manager adds beyond what you’d normally receive by using prudent asset class investments, re-balancing periodically, and staying globally diversified. In other words, it’s the possible extra return (or loss…) that’s achievable when you reach beyond prudent investing. As you’ve probably guessed, we advocate an evidenced based, prudent approach to money management.

However, we do think that strategic tax planning can produce “Tax-Alpha” for a portfolio. By keeping more of your money out

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Warren Buffett’s Third Best Investment

366-warren-buffett-success-quotes-wallpaper-j--wallpaper-1024x768Warren Buffett’s decisionmaking is the focus of an article that has been making the rounds online and in social media but the text does not offer insider investment tips from the admired financial guru. Instead, “What Warren Buffett’s House Can Teach You About Success” is highlighting lessons in life philosophy one can learn from the “Oracle of Omaha.”

If you like to marvel over the palatial estates of the super-wealthy, the picture of Buffett’s house that accompanies the article will not be all that impressive. The bare facts are these:

“Warren Buffett bought his house in Omaha, Nebraska

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Important Age Milestones in Retirement

 
And Why Your Half Birthday Really Does Matter
If you ask each of my three children how old they are, I’ll bet at least one of them will say their age plus a half: “I’m five and a half!” I love how they say it with pride so you don’t forget it! Once you get past age 21, there is a lull in significant birthday milestones, but as you’ll see, half birthdays do come into play as you get older and closer to retirement. Age 50 – Eligible for IRA catch-up provisions. This year, you can put an extra $1,000… Read More

The Hidden Risk In Corporate Junk Bonds

There is a big difference between how a factory operates to be efficient with a physical manufacturing process versus how a weak corporation loses its financing and goes bankrupt. When a corporation becomes very weak it may be able to stretch the truth to get one last refinance of a new bond issue to get more cash. Then at some point the weak corporation simply becomes too risky to qualify for even the riskiest of junk bond financing and it has no choice but to file bankruptcy. The decision by creditors to cutoff sources of cash to a weak company …

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The Basics of a Mortgage Explained

I have been helping my brother refinance his mortgage. He, like others, have this outdated idea of the evil Adjustable Rate Mortgage. After explaining to him the differences of a fixed rate mortgage and an adjustable, he chose the adjustable.
I wrote an article for GuideVine about those differences and you can check it out here:
How to Calculate Which Mortgage is Best
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