In this blog I’m focusing on your options with your spouse’s IRA if he or she predeceases you. (For simplicity I will use the pronoun “they” to avoid having to use the more wordy “he or she”). After your spouse passes away the IRS will require you to start filing as single rather than as…
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The cryptocurrency exchange Coinbase went public earlier this month. But rather than following the standard initial public offering (IPO) process, the company chose to do a direct public offering (DPO), also known as a direct listing. What’s the benefit to the company, and, more importantly, what’s the benefit (if any) to investors? In a standard…
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Inflation is in the news again after a long hiatus. The Bureau of Labor Statistics (BLS) reported in May that the broad inflation rate rose 4.2% over the past 12 months, the largest increase since 2008. Exactly what is inflation, and how does it impact investments? Simply put, inflation (and its negative twin deflation) is…
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A thoughtless investor is someone who invests in something without performing any kind of due diligence first. I prefer the adjective “thoughtless” rather than “dumb” because the latter implies a lack of intelligence. Thoughtless investors can be highly intelligent but simply may not have the time or skills to do the work necessary to determine…
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I have written many times about the value of keeping one’s investment portfolio well-diversified across numerous investment asset classes. But diversifying your portfolio with respect to income taxes can also be a valuable way of maximizing the wealth you get to keep and pass on to your heirs. Here’s a high-level explanation of how it…
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David Leonhardt, a reporter at the New York Times, recently reported on research from two economists at Princeton University, Alan Blinder and Mark Watson. The two researchers statistically compared economic performance under all American presidents since Harry Truman and found that growth was better under Democrats than under Republicans, regardless of whatever measure was used.…
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