AdviceIQ Articles

  • Internships = College Value?

    Internships offer students chances to learn a profession and get an in-the-trenches education unmatched in most classrooms. Even low pay for internships evaporated in recent years, though, as employers trumpeted the experience and academic credit while quietly sliding back the paycheck. What do internships pay – and is the cash any indication of a college degree’s real value?

  • Proposed Budget’s IRA Impact

    The proposed U.S. 2015 budget contains, predictably from President Barack Obama, tax breaks for working families and curtained breaks for the rich. The nearly $4 trillion budget proposal also seeks potential changes, good and bad, to your individual retirement accounts.

  • Handling Market Volatility

    Stock market volatility can scare investors. Rising markets tend to show little of it, but falling ones display a lot, as people unload their shares. Volatility – which is basically the degree to which stock prices jump around – is now low. But here’s a guarantee: It will shoot up again.

  • Lower Taxes in Retirement?

    Like many, you might think, “Why save so much for retirement when my taxes will be much less?” This supposed truth is a myth, a recipe for financial disaster in your golden years.

  • More Ways to Pay for College

    You probably know some omnipresent methods to meet college costs, such as the 529 savings plans we discussed in our first article. Not everyone chooses a 529, though, so let’s look at other savings alternatives’ plusses – and minuses.

  • Translating Fedspeak

    The Federal Reserve’s new practice of open communication with the public still is an exercise in baffle-gab. The Fed regularly uses language that no one understands, because if America’s taxpayers really knew what’s happening, they’d totally freak. 

  • 529 College Saving How-To

    Advantages of a college education: potentially higher income, self-improvement through learning, friendships to last a lifetime. One big disadvantage: hefty costs. Start saving for higher education now – and, just as important, start saving the right way.

  • The Piggy Bank Strategy

    Wealth starts with a goal, discipline, and saving a dollar at a time. Call it the piggy bank strategy. There are lessons in that time-honored coin-savings container.

    Any seemingly gargantuan task seems easier to contemplate when reduced to baby steps. If you wished to climb a 12,000-foot mountain, and could do it a day at a time, you would only have to climb 33 feet daily to reach your summit.

  • World Problems and U.S. Stocks

    Remember when overseas events influenced the U.S. stock market? From 2010 through 2012, the market zigged and zagged in time with the European debt crisis. Now that the Federal Reserve plans to wind down its stimulus program, which has propped up American stocks, get ready for more shocks from aboard.

  • Scary News? Keep Your Focus

    What can you and other investors do about Russia, vanished airliners or whatever tomorrow’s headlines bring? How does the Ukraine crisis affect your providing income for you and your family for the rest of your lives? The answer – in this age of rat-ta-tat information about disasters – fixes your whole mindset about investing.

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