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Investing

What Is “Reflation”?

In recent years, inflation in the United States has remained below the Federal Reserve Bank’s target rate of 2 percent, despite the agency’s efforts to jumpstart economic growth with low interest rates. However, the election of Donald Trump infused the markets with the spark they needed. After an initial drop attributed to uncertainty, the stock market…

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How to Manage Taxes in Retirement

Here are some tips on how to manage taxes in retirement; To stay within the 15% income tax bracket: maximum annual income = single, $37,950; married filing jointly, $75,900. Investors can harvest capital gains with a zero tax rate as long as their income stays in or below the 15% tax bracket. To help reduce…

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The Science Behind Decision Making

In the 1940s, 90 percent of the stock market was owned by individual household investors. Today, with the widespread use of investment banking and mutual fund investing, individuals are responsible for trading only 20 percent of U.S. corporate equity. Do we no longer trust ourselves with investment decisions? You might think that, with so much…

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How Millennials can Still Build Equity Through Home Ownership

Financial experts have long touted that buying a home is a foundation for building long-term wealth. In fact, the younger a homeowner enters the housing market, the more potential he has for greater wealth over his lifetime. However, fewer young adults today are buying houses than in the past. This puts a damper on the…

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Facts About IRAs

While an IRA may have a lower annual contribution limit (2017: $5,500; $6,500 age 50 or older) than a workplace-sponsored retirement plan, opening an IRA can provide an opportunity to help diversify your retirement assets. An IRA offers certain benefits that are generally not available in a 401(k), such as: Lower cost Larger spectrum of…

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Strategies for Paying for College

Even as college tuition continues to rise, more and more American families are paying less out of pocket than in previous years. During the 2015-16 academic year, grants and scholarships paid the largest portion of college expenses — 34 percent, compared to 30 percent the year before. In addition to grants and scholarships, parent income…

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Health Savings Account Update

Introduced in 2003, a Health Savings Account (HSA) used in combination with a high deductible health care plan provides three tax advantages: Income tax deduction for annual contributions Tax-deferred growth Tax-free withdrawals for qualified health care expenses Depending on the fate of the current health care law, the HSA could become even more useful. Both…

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The Perils of Focusing on Profit

Over the past 10 years, corporate America has cut back on jobs and reduced expenses in an effort to do more with less. Some economic observers believe that today’s emphasis on short-term profits and shareholder value has resulted in additional negative impacts. For example, overworked and disenfranchised employees, job and wage stagnation, smaller profit margins…

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