Scott Nations, founder of an investment company that creates option-based funds, explores the sources of the five largest stock market collapses in American history in his recently published book A History Of The United States In Five Crashes. To be clear, Nations is not talking about ordinary market corrections driven by business cycles. He’s addressing…
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As you probably have heard, nearly half of all Americans have had their most sensitive personal data stolen from Equifax, one of the country’s three credit reporting bureaus. This is the biggest single data breach in American history, and we should all be very concerned about this situation. Here are my immediate observations and suggestions,…
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Since Medicare’s inception in 1966, the Part B premium had risen by an average of 7.7% per year. But in 2017 it increased nearly 28% for certain Medicare recipients. It turns out there is a way for you to limit those cost increases. The question is, should you? Let’s start with a quick review of…
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Some positive data about Americans’ personal finances comes to us from the American Institute of CPAs (AICPA). They have been reporting a Personal Financial Satisfaction Index on a quarterly basis since 2004. In spite of its name, though, this index is not based on a survey or poll. It is rather a calculation based on…
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One of the most tax-beneficial estate planning changes in recent history was the ability to transfer an unused estate tax exemption from a deceased spouse to his or her surviving spouse. Introduced by the Obama administration in 2011, this capability, known as portability, significantly changed the way trusts are written to shelter estates from estate…
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You may have observed that when you sell most mutual funds before the end of trading on any given day (1 PM Pacific Time), the cash typically shows up in your account the next trading day. This is known as a one-day trade settlement cycle. When you buy funds, the shares appear in your account…
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