Common-Sense Finance Blog
"Helping Change The Way People Think About Planning & Investing!"
In today's social media environment, financial adviser's like myself have the opportunity to convey financial information, rules, and knowledge in creative or innovate ways. The challenge for me then is to create brief summary's on financial topics, economic events, and other related financial news that can have an impact on your financial situation. I am committed to providing valuable resources of information through my website and through blogs such as these. Hopefully , you will find the blogs to be filled with common sense and useful information. Please enjoy!
The new tax rules for 2018 are far-reaching and impact ordinary tax rates, standard deductions, personal exemptions, itemized deductions, business expenses, moving expenses, alternative minimum tax, and various credits. However, an...Read More
Buy Low and Sell High – That’s Still The Right Way, Right? It is said that the two emotions of fear and greed control most of our financial decisions (how it applies to decisions in everyday life is beyond my expertise)....Read More
The Federal Reserve last month raised the fed funds target rate for the third time in 2018 and for the eighth time since monetary tightening began in December of 2015. It’s expected that the Fed will increase the rates again in...Read More
So, You Want To Know My Risk Tolerance? When it comes to investing, risk comes in many forms, and it can apply to many different types of investments. But there’s one type of risk that has been universally known since man began...Read More
Imagine an investment that produced returns that are linked to the general level of rising prices. Individuals living on a fixed or mostly fixed level of income must deal with the risk of rising prices outpacing their income growth....Read More
Just because someone is divorced from their former spouse doesn’t mean they are ineligible to receive spousal benefits. In fact, most of the rules involving married spouses will pertain to divorced spouses. There are a couple of...Read More
Medicare premiums are based on the income you reported on your most recent tax return. Sounds simple enough but there’s a couple of things to know: The “most recent tax return” rule is intended to be from Social...Read More
When the term “compounded growth” is used in investment talk, it’s about as appealing as watching paint dry; it’s boring. There is a slight innuendo of long-term disciplined investing in the term...Read More
Why Should I Wait Until Age 70? According to the Social Security Administration, 43% of Americans file for Social Security Benefits at age 62. Approximately 9% wait beyond age 66. Of course, there will be situations where the need for...Read More
Social Security – Is It a Tax, an Investment, or Insurance? Technically, Social Security tax, or what we affectionally know as FICA, is indeed a tax, but it’s not like any other tax. The acronym FICA stands for the Federal...Read More
Following a staggering surge in the stock market during the first quarter of 2017 (actually, since November), it may make sense to consider “rebalancing” your investment portfolio. But what is portfolio rebalancing and how does it work?Read More
Passive Investing is generally assumed to be an investment strategy that requires one to "do nothing." But actually, there is a great deal of work to be done in order to take advantage of using low-cost investment vehicles to help...Read More
“You mean they weren't acting in our best interests to begin with?” On April 06, 2016, the investment industry was rocked by a much anticipated Department of Labor Fiduciary Rule that obliges financial professionals who are...Read More