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Journalism 101 Meets Personal Finance 101

by Larry R Frank Sr Level 20
Most people invest willy-nilly (without any planning or order). Taking some basics from journalism may help most people get better results (expectations) when they approach investing. Answers to questions about Who? ...(more)
Comment   |  Jul 17, 2019 from Roseville, CA
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You Don't invest To Make Money

by Christopher Scott Tomolonis Level 6
As I reflect upon my 11 year old daughter after her last Lacrosse practice of the 2019 season, I can’t help but relate her journey to investing. You see it was 5 years ago that she walked on to the lacrosse field for ...(more)
Comment   |  Jun 11, 2019
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What age should retirement be planned to?

by Larry R Frank Sr Level 20
One of the big discussions in the profession is choosing the age retirement should be planned to. Should it be age 95? Age 100? Some other age? Here’s a good brief discussion on the implications of choosing an age: ...(more)
Comment   |  May 24, 2019 from Roseville, CA
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5 Steps To Get Your Financial House In Order

by Gregory M. Hart, CFP® Level 6
Have you ever been asked, “What’s your money personality?” It’s not a question many of us have ever been verbally asked before, much less stopped to consider how to answer. Does the thought of updating your budget and ...(more)
Comment   |  Apr 20, 2019
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Don’t Panic: Stock Market Fluctuations are Normal

by Curtis Steven Farrell Level 17
Nothing is more unsettling than a roller coaster stock market, which can send participants into panic mode as they nervously watch wild dips in their 401k plans. Always remember the time-honored saying: it’s a ...(more)
Comment   |  Mar 13, 2019 from Mission Viejo, CA
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The Illusion of Steady Income?

by Larry R Frank Sr Level 20
  Most people have the illusion that they have steady income. This is another example of recency bias (as it relates to income in this post) where people have become accustomed to their current income and forget it ...(more)
Comment   |  Feb 26, 2019 from Roseville, CA
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HOW TO BEST USE YOUR 529 WHEN PAYING FOR COLLEGE

by Stephanie Leigh Bacak Level 8
If you have accumulated fund in your child’s 529, congratulations! You are probably a member of the elusive Savers who plan ahead and hate debt. A savers’ immediate instinct is to use all the designated savings ...(more)
1 Comment   |  Jan 24, 2019
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Why You Spend Too Much

by Stephanie Leigh Bacak Level 8
Sure, there’s the rush of buying, but why?   It boils down to the Diderot Effect.   In 1763 philosopher Denis Diderot was paid a large sum of money for his library by Catherine the Great.   He purchased a ...(more)
Comment   |  Jan 24, 2019
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Retaining key employees: Stay Bonus

by Andrew Martin Level 12
Business owners often express how hard it is for them to attract and retain talented employees who are key to business operations. I just spoke with a client this morning who told me “we recently lost a very key ...(more)
Comment   |  Jan 21, 2019
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Using the IRA/LLC Structure to Invest in Real Estate

by Andrew Martin Level 12
One of the more popular ways to use your self-directed IRA to invest in real estate is by using the IRA/LLC structure. A self-directed IRA requires using a custodian which is responsible for holding and administering ...(more)
Comment   |  Jan 21, 2019
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Invest in Real Estate within Your IRA

by Andrew Martin Level 12
Self-directed IRAs are a little known tool which allows you to invest in real estate (among other things) and get all of the tax benefits that an IRA gives you. There are several qualified retirement plans that you can ...(more)
Comment   |  Jan 21, 2019
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The Master File: The Estate Planning Piece Most People are Missing

by Andrew Martin Level 12
The reason most of us have an estate plan is to make things as stress free as possible for those we leave behind. That’s why we spend the time and money necessary to get our estate planning documents in order and make ...(more)
Comment   |  Jan 21, 2019
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HSAs, One of the Best Ways to Save for Retirement

by Andrew Martin Level 12
Health Savings Accounts are perhaps one of the most underutilized retirement planning tools available. HSAs are arguably one of the most tax friendly ways to save for retirement since they offer a “triple tax benefit”. ...(more)
Comment   |  Jan 21, 2019
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Thoughts on Small Business Succession and Sale

by Carlos P. Sava Level 13
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Comment   |  Dec 14, 2018 from Arlington, VA
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What’s your plan for retiree dental care?

by Larry R Frank Sr Level 20
Most people believe Medicare covers dental – nope – Medicare does not! Some Medicare Advantage plans do (and some don’t – you need to check). Some retirees may have employer provided dental coverage. Check to see if ...(more)
Comment   |  Sep 20, 2018 from Roseville, CA
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Social Security gotchas with WEP and GPO Pensions

by Larry R Frank Sr Level 20
  Two big areas of confusion among people and advisors are the Windfall Elimination Provision(WEP) and the Government Pension Offset(GPO). Although they are often spoken in the same breath, they are really quite ...(more)
Comment   |  Jul 25, 2018 from Roseville, CA
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Losses Influence A Portfolio Disproportionately More Than Gains

by Daniel Ray Snover Level 6
By Daniel Snover and William Davis Successful investors will tell you they probably think more about losing money than they do making money.  Not that they’re ignoring the hard task of finding winners. They are not. ...(more)
Comment   |  Jul 23, 2018
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Maximize Your Giving with a Donor Advised Fund

by Charles Stuart Terry Level 6
When it comes to giving, the #1 question I get is “what’s the right amount to give?”  A less frequent question but almost important decision is “what’s the right way to give?” In addition to being able to give by cash, ...(more)
Comment   |  May 15, 2018
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Wealth Planning is For Everyone

by Paul David Fenner Level 6
Wealth Planning is For Everyone The best wealth management plan has nothing to do with “outside forces” beyond your control, but rather everything to do with what’s most important to you.  Instead of feeling ...(more)
Comment   |  Mar 18, 2018
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You’ve heard of the “1 percenters” – what percenter are you?

by Larry R Frank Sr Level 20
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Comment   |  Mar 08, 2018 from Roseville, CA
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