Blog Posts
A Different Market Perspective
In light of the market correction that is occurring, I have pulled together some interesting and compelling quotes that help to put it into perspective: “Yesterday was the third worst point decline for the Dow since 1915. But it was only the 284th worst day [as a...
Bonds: The Long and Short of It
Bond funds are often lumped together as one. However, they are actually a range of very different investments. This post will address only investment-grade bond funds which have a low probability of default as these are bonds that are issued by large and established...
Financial Advice for Young People Just Starting Out
Congratulations - You graduated from college and landed your first job. Unfortunately, the party ends shortly after that. According to Zillow, 22.5% of millennials ages 24-36 live at home (roughly 12 million). And of those "Boomeranger", only 12.5% are unemployed,...
How Hindsight Bias Impacts Investment Decisions
Picture this. It's an average summer morning, except it looks a little cloudy outside. You decide to shut off the AC, open a few windows and get the fans going before you head out. On your way home from work it starts to pour. Heavily. You think….I knew it might rain,...
Buybacks Drive Stocks Higher
The tax cuts that went into effect this year lowered the corporate tax rate from 35% to 21%. Of course, most corporations were not paying that, the effective rate that was actually paid was much lower. However, the new lower 21% official rate allowed corporations to...
Keeping Tariffs in Perspective
Recently, I was asked about my thoughts on the tariffs and the impact it may have on a portfolio. What follows is my response: “I see this as a giant game of chicken between China and the US. I see this causing a lot of anxiety and volatility in the market, but I’d...
The Psychology of the Tax Refund
The average tax refund is about $3,000. And people do one of two things with it. They either spend it or set it aside for a specific purpose. What’s the distinction between these two groups of people? It all comes down to their expectation. If the refund was...
The Most Unusual Tax Deduction I’ve Ever Heard
What do you do with a house you no longer want? What if it’s a house in bad shape but you love the land? Up until recently, I would have offered two options: renovate it or knock it down and rebuild. Turns out there is a very creative strategy. You donate the house to...
Analysis of the Tax Cuts
Recently some clients attend a talk on the recent tax law changes by Eliot Bassin of Bregman & Company. I thought it was interesting enough to send the slides out to readers of the blog and newsletter as there were several important take-aways that were new to me....
Published in Journal Of Financial Planning
February’s issue of the Journal of Financial Planning included a flowchart I developed a few months ago to help guide clients through the rules around taking distributions from 529 Plans. Here is a link to the flowchart if you have questions about how 529 plans...
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