More and more employers are making the Roth option available in their 401(k), 403(b), and 457 plans. What does this mean? Well, the default contribution to retirement plans has always been tax-deferred. Meaning, you are legally hiding income for the current year, enjoying paying no taxes on the dividends and capital gains on…
As I sit here and eat the Take 5 bars that I will not be giving to trick-or-treaters, it seemed appropriate to offer a quick market commentary about what has been scary and sweet so far in the 2018 investment world. Scary: International stocks, which have been hurt by the rising US dollar…
My brilliant social media guru, Catherine Tidd of Social Seed Marketing, recently made me aware of the many opportunities to celebrate just about anything with International fill-in-the-blank days. Sadly, I missed National Talk Like a Pirate Day on September 19th, but don’t despair! There are plenty more opportunities. Here are a few examples for…
Welcome back, Scott Arnold, CFP ® to conclude his 2-part blog on using the Three Jars method to help teach his young boys life and money lessons. When my wife and I started The Three Jars with our boys, we thought it would help us in teaching them basic lessons about money. The Jars…
This week and next, I’m thrilled to welcome guest blogger and fellow financial planner Scott Arnold, CFP ® to discuss how using the Three Jars method has helped teach his kids life and money lessons. Take it away, Scott! My wife and I have two incredible boys, ages 8 & 6. Their personalities are…
As my faithful readers know, sometimes I get tired of coming up with new blog content, so I arm wrestle other people into writing for me. And sometimes the content has nothing to do with finance, just something I thought was interesting. Today, I welcome nutritionist Maureen West to tell us all about probiotics. …
We are getting back to into the swing of the school year and for many, school means college. College soon, or college now, and the angst of paying for it. I went to a seminar last year by Joe Messinger, CFP ® of Capstone Wealth Partners. He gave us amazing perspective on the student…
A question that comes up from clients of all ages is “how do I handle the dividends and interest from my investments?” What is a dividend, anyway? From the Google dictionary, a dividend is “a sum of money paid regularly (typically quarterly) by a company to its shareholders out of its profits or reserves.” …
Education can get you the only thing that really matters in today’s world — an assigned parking space.” — Gene Perret You know there is a problem with the education system when you realize that out of the 3 R’s only one begins with an R. – Dennis Miller As long as algebra…
I am so happy to welcome guest writer and friend Julie Sequeira. Julie is property and casualty insurance agent/expert with American Family Insurance. Because home and auto insurance is one of our largest household expenses, I wanted a little more insight into rates and how we can be better insurance consumers. Take it away, Julie!…
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