Archive - February 2016

1
Three Rules of Thumb for Buying a House (in the Military)
2
What is the Fed thinking about the economy?
3
Why You Should Give Appreciated Stock Instead of Cash
4
Job Risk Mindset After Retirement – What to Consider When Starting Your Second Career
5
Focus on the Forest, Not the Trees, of Investing

Three Rules of Thumb for Buying a House (in the Military)

I wrote this article a couple of months ago, which you can find here.  However, I’ve made some changes, because there are some things you will want to take note of in the military.

The largest purchase most people will make in their lifetime is their home. It’s also the longest-lasting purchase most people will make. With that in mind, it is important that you buy a home that brings you joy instead of grief.

Too many people stretch their finances beyond the breaking point, buying a home they can’t afford and paying the price via financial strain, a …

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What is the Fed thinking about the economy?

With much anticipation of her Wednesday testimony to the House Financial Services Committee, Federal Reserve Chair Janet Yellen reiterated the Fed’s confidence that the U.S. economy is on track for stronger growth in 2016, and she expects to see an up-tick in inflation. Over the past year and a half, a much stronger U.S. dollar has held down inflation by making foreign goods cheaper for Americans. Yellen believes the U.S. job market remains solid with unemployment down to 4.9 percent and noted that worker pay rates are increasing. The U.S. economy is currently being fueled by home building and auto …

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Why You Should Give Appreciated Stock Instead of Cash

We have just wrapped up the busiest time of the year for charitable giving. Since January is when most people sit down to revisit their budget, this is an excellent time to review your charitable giving strategy.

Most people give to charity by writing a check. This is an easy way of supporting an organization – it only takes a moment to write a check and every charity will have a bank account into which they can deposit checks.

However, giving appreciated stock from a brokerage account to a charity is even more efficient in terms of tax savings. This …

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Job Risk Mindset After Retirement – What to Consider When Starting Your Second Career

While I normally try to write to people looking to either retire or separate, this article is intended for people who plan to retire. However, there are some items of consideration for separating members as well. This article is the first of two articles about how to better understand your post-military life, specifically your cash flow needs.

One of the major considerations of military retirement is what you want to do in terms of replacing your military job. We spend a lot of time talking about the financial transition, but don’t always talk about what type of work you will …

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Focus on the Forest, Not the Trees, of Investing

It’s a message worth repeating. Investing is a matter of focus. Despite recent disappointments in stock market performance, investors who are willing to assess the whole universe of investment choices may find that the market continues to offer new possibilities. And those who keep their sights set on long-term investment goals may find that a “forest, not trees” approach to investing offers the greatest potential for success.

Focus is especially important for retirement savers — those who are still in the accumulation stage — as well as for retirees who need to keep the potential for growth alive in their …

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