April Newsletter: April 2018

April 2018 Newsletter The US trade deficit It has been a turbulent year for major stock market indices. There were wide fluctuations as both economists and common investors speculated how recently announced tariffs on aluminum and steel exports would affect the...

Tax Me Now — or — Tax Me Later?

Tax Me Now — or — Tax Me Later? IRAs are the DIY option of retirement planning—and, just like DIY projects, they offer you choices that, at times, can seem a little daunting. How to choose which is best for your financial plan? Comparing your two main...

High-volatility Markets

High-volatility Markets Learn what drives high volatility and how investors should respond when the market gets turbulent. Originally used by chemists to describe chemicals that evaporate (and explode) easily, “volatile” has become the generic term for anything...

March Newsletter: March 2018

Stock market corrections “Bull markets are born on pessimism, grow on skepticism, mature on optimism, and die on euphoria,” as renowned investor Sir John Templeton once said. Unlike Templeton, however, you do not need to be a Rhodes Scholar or the namesake of a...

Choosing a Mortgage

Choosing a Mortgage Before you choose a house, you need to choose a mortgage. Lenders offer several different options for mortgage loans, so you should be able to find one tailored to your needs. To determine which type of mortgage is best for you, first learn the...

February Newsletter: February 2018

February Financial Newsletter:  2017 market recap For nearly all of the 2017 calendar year, major news outlets were consistently publishing articles about the remarkable performance of the stock market. It seemed like every week the Dow Jones Industrial average (DJIA)...

Hobby Loss Rules

Hobby Loss Rules Starting a side business on top of your regular nine-to-five job is tough. Time becomes your most precious commodity as you balance the needs of your primary work and those of a new pursuit. Combine that with the low success rate of start-ups and it’s...

Tax reference: 2018

Tax reference: 2018 Tax rates: Single Tax bracket Base tax Marginal tax rate $0 – $9,525 $0 10% $9,525 – $38,700 $952.50 12% $38,701 – $82,500 $4,453.50 22% $82,501 – $157,500 $14,089.50 24% $157,501 – $200,000 $32,089.50 32% $200,001...

January Newsletter: January 2018

Financial Newsletter The January effect Ever since economist Sidney Wachtel first coined the term in 1942, analysts and market pundits have been eager to talk about a seasonal market movement known as “the January effect.” In its simplest form, the January effect is...