AdviceIQ Articles

  • Low Wages Keep Rates Low

    Don’t rush to get rid of bonds yet. Rising interest rates, which harm bond prices, are not in the offing. Despite good news on jobless figures, the Federal Reserve’s concerns about wages may keep rates low for longer than markets expect.

  • Advisors: What Women Need

    Anyone familiar with John Gray’s Men Are from Mars, Women Are from Venus knows the premise that men and women communicate very differently. Perhaps this explains why most female investors prefer to work with a female advisor and most married women leave a male advisor after the husband dies. Starting with the first conversation, women want, need and deserve distinct treatment from financial advisors.

  • Pay Off Student Loans Early?

    Temptation runs great to whittle today’s enormous student loans as fast as possible. As with many financial planning issues, a number of questions help you decide if paying off your loans early is in fact a good idea.

    First, paying loans off quickly may actually seem more possible than headlines about a looming student-debt crisis claim. According to a recent report from the Brookings Institution:

  • Finding Long-Term Stocks

    A constant mantra in the investment world is that it pays to own good stocks for the long term. The question is: How do you find these long-term winners? This is very difficult, as the most recent quarter illustrates. Let’s examine the field.

  • Getting Financially Fit

    Like maintaining your physical health, finances fitness takes consistent effort and discipline.

  • Why Millennials Need Roth IRAs

    If 20-somethings ask me what to do to get ahead financially, I have a laundry list: create a budget, start investing now, be smart about your taxes and so on. If I absolutely have to narrow it down to one thing, I’d say, open up a Roth individual retirement account.

  • No Jobs for Grads? Not Really

    Maybe all is not rotten for young people in the quest for employment. At first blush, can you think of a tougher time to graduate from college than the start of the recession? Talk about bad timing – or was it? According to the National Center for Education Statistics, 83% of the college grads from the spring of 2008 are now employed.

  • What Can You Delegate?

    There are things in life that you can, and should, delegate. Financial planning is one of them.

    Each of us has 168 hours in a week. After subtracting the time you work, sleep, eat and bathe, you are left with only a few precious hours to do whatever pleases you. If you spend 10 hours a day working and commuting, two hours eating, and eight hours a day sleeping, that leaves you 48 free hours. So how do you choose to spend your time?

  • Why Switch to a Roth 401(k)?

    Beginning in 2013, you could roll over all your standard 401(k) funds to a Roth account in the same retirement plan. But such a move may not be good for you. While the upside of a Roth is tax-free money in the future, converting creates an extra tax burden today.

  • Gen Y Folly: Not Investing

    Coming of age and entering the workforce in the wake of a financial crisis, our younger generation became skeptical about investing. But the fact is, millennials need to invest as the stock market is one of the best ways to grow wealth long term.

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