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Cons and Pros of Roth IRAs – October 2015

By |October 29th, 2015|

Annual contributions to IRAs, includingRoth IRAs, are now capped at $5,500($6,500 if you’re 50 or older). RothIRA contributions aren’t tax deductible,they’re available only to workers and theirspouses, and they’re off-limits to high-income taxpayers. October 2015|Categories: Newsletters Download

Past Losses Offer Winning Opportunities – September 2015

By |September 29th, 2015|

For nearly two decades, investors have been riding a stock market roller coaster. The late 1990s tech stock boom turned into a bust in the early years of this century, as the Dow Jones Total Stock Market Index fell by nearly 45%. After a real estate-led recovery pushed stocks to new highs, a real estate

Facing College Costs – August 2015

By |August 29th, 2015|

How much does it cost to send a child to college now? For the 2014–2015 academic year, the College Board puts the average cost of tuition, fees and room and board at private nonprofit four-year schools at over $42,000. The College Board estimates other expenses (including books, supplies and transportation) at $4,000–$5,000. Thus, sending your

The Math of Buy and Hold – July 2015

By |July 29th, 2015|

Many financial advisers warn clients that they should not try to time the stock market. Indeed, research indicates that individuals tend to buy when stocks are going up and sell when stocks have gone down: a buy-high and sell-low approach that reduces long-term returns. Consequently, some investment pros support a strategy known as “buy and

Winning Social Security’s Waiting Game – June 2015

By |June 29th, 2015|

As more baby boomers move into their 60s, there is increased interest in Social Security retirement benefits. In particular, seniors must decide when to start. Currently, the full retirement age (FRA) for Social Security is 66. That age applies to people born from 1943 through 1954. FRA gradually increases for younger workers, reaching 67 for

Holding Stocks in Retirement Accounts – May 2015

By |May 29th, 2015|

The stock market goes up and, as we’ve learned, it goes down. Despite the volatility, stocks have been excellent long-term investments for many decades, and there’s no reason to think that the future will be different. Regular investing in equities, through bull and bear markets, probably should be part of your strategy for building an

Are Tax Refunds Good or Bad? – April 2015

By |April 29th, 2015|

Few people pay exactly the correct amount of income tax during the year. When you file your return for 2014, you probably will find that you paid too little (and owe more tax) or paid too much (and can request a refund). Typically, refunds are due to employees who have too much tax withheld from

Above-The-Line Tax Deductions – March 2015

By |March 29th, 2015|

At this time of the year, chances are that you’re getting together information for preparing your 2014 income tax return or reviewing a return that’s already prepared. When you are doing so, it can pay to take a close look at the adjustments to income you can take on the bottom of page 1 of

Renting Versus Buying a Home – February 2015

By |February 28th, 2015|

Should you buy or rent your home? This decision can include financial as well as nonfinancial factors. Even if the nonfinancial aspects are extremely important, you should not overlook the financial side. February 2015|Categories: Newsletters Download