The privileges of American citizenship are so great and its duties so grave that we may well insist upon a good knowledge of every person applying for citizenship and a good knowledge by him of our institutions. We should not cease to be hospitable to immigration, but we should cease to be careless as to the character of it. — President Benjamin Harrison, Inaugural Address, March 4, 1889

Tag archive: "investment"

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The Optimum Asset Allocation to Gold Is Always Zero

David John Marotta

Gold ownership has grown in popularity over the past five years. Fearful of monetary or societal failure, many hope that owning gold will bring them peace of mind. Advocates also suggest that some amount of gold is part of a balanced diversified portfolio. Arguments can be made for gold, but its investment properties are not among them. The optimum asset allocation to gold in an investment portfolio is zero.

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How Much Should I Have Saved Toward Retirement?

David John Marotta

You can use the analogy of the pioneers on the Oregon Trail as a way to think about your retirement planning. These stalwart individuals mapped which landmarks would show they were making progress and what they needed to do to reach each of them. They set out in late April or early May from Independence, Missouri, with the daunting goal of crossing the mountains and reaching their new home before the first snows closed the pass.

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How Much Should I Save Toward Retirement If I’m Starting Late?

David John Marotta

Knowing how much you should save for retirement is critical. But what if you are late getting started? The longer you delay, the shorter the time that compound interest can do its magic on your savings. Retirement planning is like the pioneers who set forth on the Oregon Trail. The hardy souls who began their journey in early spring had to average 15 miles a day to reach their goal. But those who delayed until summer needed to maintain a faster pace. The same is true of saving for retirement.

retirement

How Much Should I Save for Retirement?

David John Marotta

I'm often asked, "How much should I save for retirement?" My standard answer, based on certain assumptions, is that you should save 15% of your take-home pay for retirement over your working career. As your situation varies, you must adjust your safe savings rate.<./p>

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The False Promises of Annuities and Annuity Calculators

David John Marotta

An annuity is a financial product sold as a way to collect and grow funds and then later receive those funds as a steady cash flow during retirement. Annuities have many flavors and features that vary this basic principle, but the basic terms you will hear are "deferred or immediate" and "fixed or variable." Ever-popular annuities sometimes sound too good to be true, which in itself is probably a good reason to avoid them.

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Smart Tax Planning for the Gap Years

David John Marotta

Many families seek financial planning advice specifically for retirement. But if they wait too long, they miss an important tax-planning opportunity. A great strategy is to take advantage of the time between retirement and Social Security at age 70, the so-called gap years. With some planning for this gap, you can move income into the lower tax brackets.

David, George Megan

Fund a Teenager’s Million-Dollar Retirement

David John Marotta

We teach teenagers a lot more about sexuality than we do about money. This can confuse them about what they should be learning. Give this article to a teenager and encourage him or her to start a Roth IRA. For a $4,300 gift spread out over the next seven years plus a little work on the teenager's part, you can fund a teenage child or grandchild's million-dollar retirement. Here's how it's done.

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What Is Comprehensive Wealth Management?

David John Marotta

The world of financial services is built mostly around products and services. So it is often difficult for families to understand the concept of comprehensive wealth management. Advisors who offer comprehensive wealth management are like financial concierges. Their only goal is to meet your needs. If you ask for fresh strawberries, they try to find them for you. And then they ask if you would like dipping chocolate or fresh cream to go with them.

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Are Investment Management Fees Tax Deductible?

David John Marotta

I often get asked, "Are investment management fees tax deductible?" The answer is not a simple "yes" or "no." Like many tax questions, the answer is "It depends." You only receive a tax deduction for the amount that exceeds 2% of your adjusted gross income (AGI) from line 38 of your Form 1040. If your cumulative expenses are under 2% of AGI, you will not get a deduction. For most of our working clients, their miscellaneous deductions fall far short of the 2% AGI threshold. But when clients retire, they are much more likely to qualify.

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How Do Financial Advisors Earn Their Fee?

David John Marotta

Most of our clients are frugal supersavers. Often they have accumulated their wealth not by earning more but by simply spending less. They are the millionaires next door living well below their means, which is why they have means. Few investors even ask how commission-based annuity salespeople earn their fee, but with fee-only advisors the question often arises. Investment fees are generally about 1% of assets under management and drop as assets rise above $1 million. The critical question to ask is "Where do financial advisors add value that might exceed the 1% fee they charge?"

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Ferguson: Good Lessons Available for the Taking

Rick Manning

In an unheard appeal for calm in the wake of a Grand Jury’s decision to not indict Officer Darren Wilson in what was determined to be a justifiable shooting of Michael Brown in Ferguson, Mo., President Barack Obama urged that we learn lessons from the tragedy. But what lessons will be learned?

Squanto

Some True Thanksgiving

Bob Ellis

As Godless liberalism has gained ascendancy in America and our heritage has been whitewashed, many Americans don't know some important facts about our nation's Christian history. Ben Shapiro at the Revolting Truth shares some important history about Thanksgiving--so important, there wouldn't have BEEN a first Thanksgiving without these truths.

Good_Liberal_Samaritan

Liberty Versus Comfort

Ken Connor

For decades, liberal society has been obsessed with multiculturalism and tolerance. Generations of children have been raised to believe that it's good to accept everyone, celebrate differences, avoid value judgments, and affirm "authenticity" in all its forms. "I may not agree with what you say, but I'll die defending your right to say it" has been the credo of liberal societies the world over. In recent years, however, the notion of what it means to be "tolerant" has changed radically. Now, instead of merely tolerating my neighbor's differences, I must refrain from saying, doing, or even thinking anything that threatens my neighbor's ideology or makes him/her feel "uncomfortable."

The First Thanksgiving by Jennie Brownscombe

A Truly Thankful Remnant

David Pepe

In light of our nation's godlessness, abounding moral relativistic thinking and secularism there is still a remnant throughout this nation today that still chooses to follow Almighty God and knows His Son as their personal Savior as the Holy Scriptures so teach. They are thankful daily for all that Almighty God has provided for them and they are found throughout the social classes today.

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Ferguson: Seeking Justice in an Immoral World

Bob Ellis

The news has now hit the streets that the grand jury in the Ferguson, Missouri shooting of "gentle giant" Michael Brown has examined the evidence, and rejected five offered charges against Officer Darren Wilson. So the logical response of the Left is to burn the city of Ferguson to the ground. That's what happens in a nation whose god is its belly.

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"We don't intend to turn the Republican Party over to the traitors in the battle just ended. We will have no more of those candidates who are pledged to the same goals as our opposition and who seek our support. Turning the party over to the so-called moderates wouldn't make any sense at all." - Ronald Reagan, Nov. 10, 1964