AdviceIQ Articles

  • What a Financial Plan Covers

    You conquered fears of laying details of your life on a financial planner’s table. You sat down with the planner for the discovery meeting to reveal your finances and your future and what you want out of both. Now comes the financial plan.

    (This is the second of four articles about what you can expect from the process of financial planning.)

  • Under-Insuring Your Valuables

    Too often, people don’t have enough insurance to cover their valuable possessions like antique furniture or artwork. Figuring out how much your home’s prized contents are worth is vital if they are stolen or destroyed. The next step is to get adequate insurance to reimburse you.

  • How to Use Fund Lists

    Are those best mutual fund lists useful to you as an investor? Only if you look at them with several caveats in mind, and dig a little deeper than a fund’s rank.

  • Buying Versus Renting a Home

    Wondering if it’s better to buy or rent? You’re not alone. We have long been conditioned to view homeownership as an uncontested good, but the housing market took a serious hit during the Great Recession. Now that home values are recovering, will the American Dream of homeownership regain its luster?

  • Reporting Contractors’ Pay

    Contract work changes not only many employees’ definition of employment, it also puts new filing pressures on companies that use workers under these arrangements.

  • Why Investors Should Worry

    Bears rejoice: Investors lately have a lot of thing to worry about. Like a young child who cries one minute and is happy the next, global investors until recently saw a world full of problems – and likely will again soon. 

    What had been a fairly buoyant 2013 suddenly went sour in August, as the catalogue of woes came into focus. The Standard & Poor’s 500 lost 3.1% last month. Thus far in September, there’s a relief rally due to a seeming easing of tensions over Syria. The S&P is up just over 3% this month.

  • Syria Strike: Brief Market Dip

    Will a U.S. attack on Syria, a question now before Congress, seriously harm the markets? What if the current proposal in the United Nations – that the U.N. takes over Syria’s chemical weapons stockpile – fails? The history of previous American military strikes suggests that any market decline will be temporary.

  • Don’t Rush for Investing’s Exits

    Headlines label every fall in the stock market a plunge. Interviewed analysts call every bad day – or short string of bad days – an omen of a recurrent 2008 or even 1929. No wonder investors shoot up from the finance pages on their laptops and make twitchy decisions with portfolios.

    August looked like a down month for both stocks and bonds. We haven’t had many such months lately, but don’t fret. Historically, they’re common.

  • Planning for Your Lifestyle

    How you arrange your financial life is important. But so is how you live your life. The second part is too often neglected in financial planning. Would you rather own your own business? Travel more? Write a novel?

  • Variable Annuity: Good Idea?

    A friend recently asked me a simple but thought provoking question: What type of person is a variable annuity a good product for? 

    My friend’s “financial guy” was pushing her to invest a substantial portion of her investable assets into a variable annuity that was coincidently offered by his employer. 


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