AdviceIQ Articles

  • Repaying Student Loans

    Stressed about your student loans or wondering if you’re on the right track to pay them? You’re not alone and you have options.

    According to the nonprofit organization American Student Assistance, about 20 million people attend college annually and 12 million of them borrow to cover the expense of their higher education. Tack these numbers onto the existing 37 million who carry outstanding student loans.

  • Bonds Deliver a Surprise

    Tapering down the Federal Reserve’s stimulus was supposed to push long-term bond yields. But that hasn’t happened. Why? Overseas woes, low inflation and, despite what many expected, the Federal Reserve’s new chief, Janet Yellen.

    Over the past several years, Fed actions dominated the financial landscape. Arguably, the Fed played a significant behind-the-scenes role in economic improvement. This is more than obvious to equity market investors, whose enthusiasm over low rates propelled the stock market last year.

  • Business-Building Tax Moves

    Plenty of methods exist for you to minimize your current, ongoing and future business taxes. The key? Be proactive – now.

    Often business owners react to a tax bill rather than plan ahead, frozen at the prospect of one wrong move triggering an Internal Revenue Service audit and devastating long-term goals. Good tax planning, though, frequently leads to huge – and legally safe – savings.

  • Planning for College Costs

    Higher-education costs border on absurd, now topping $60,000 per school year. That’s a lot of money for a degree, not to mention an amount just out of reach for a lot of people. Your first homework as you ponder your kids’ education? Options to afford college.

    A good education helps you think, read and write critically – no doubt all valuable qualities in life, work and the financial world. The big question: Is it worth some $240,000 to learn these skills in most four-year education programs?

    Whether you answer yes or no, college can cost less.

  • Why Inflation Lies Ahead

    Inflation, at 1.5%, is tame. So why worry? Because the enormous expansion of the U.S. money supply, thanks to Washington’s attempt at economic stimulus, eventually will lead to harmful inflation, which really is a tax on your wealth.

  • 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.

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