AdviceIQ Articles

  • How to Be Independent

    The major objective in comprehensive wealth planning is financial independence. But true independence in life means not only good finances, but health and relationships.

  • Is the Market Overvalued?

    You keep hearing that, because stock market valuations are so high lately, that a downturn is imminent. But this is not necessarily the case. The often-used P/E ratio, which measures valuations and now is on the high side, is not always the best market bellwether.

    It’s likely you’ve seen some version of this headline, and wondered what truth it holds:  “Stock Market’s High Suggests Lower Returns AheadForbes, June 18.

  • Amid Chaos, Invest for Income

    Fighting again in the Middle East, oil prices and Wall Street volatile and apparently you need life insurance to fly certain airlines: In what seem scary times to invest, how do you cut through the clutter of panicky, short-term and just plain bad money strategies?

    Everyone wants a strategy that builds confidence about investing – especially when everyone seems to be holding their breath. My answer: income investing, a way to generate consistent cash flow from your liquid investments.

  • Advisors: Plans, Not Fads

    Will you ever stop underperforming your own investments? The rollercoaster market naturally spurs you to chase trends and lose sight of what you really ought to do: Stick to a well-advised plan of long-term payoffs and goals.

  • Bargains Amid Downturns

    Periodic dips in the stock market grab investors’ attention and fuel anxiety. Here’s why long-term investors should not worry, and instead see opportunity. Market downturns are times to buy good bargain stocks.

    Think back to early March 2009, the low point after the crash. America was on sale. If you bought stocks then, when they were cheap, you more than doubled your money as of now.

  • Families and College Costs

    Planning to afford increasingly costly higher education should be a family affair. Together, parents and their high school-age youngsters must figure out ahead of time how to find the money and spend it. This can be a tricky proposition.

    Now is a good point to start thinking about this. Summer is passing by and once again, students are headed back to class. Some teens change buildings, some finish their high school careers and all face big questions about their future.

  • Winning by Losing Less

    To reach your financial goals, you don’t have to outperform every benchmark every year. For long-term investors, avoiding and mitigating losses is a key factor in achieving ultimate success in your portfolio.

  • Is a Market Bubble in Sight?

    In a bubble, investors believe assets’ value can move in only one direction. They’re usually right – just not about which direction. Long-running gains in U.S. stocks, despite sharp daily dips over this summer, inspire some market watchers to use the B-word again.

    Is the equity market in or approaching a bubble?

  • Gurus - Are They Really?

    When a financial advisor or an author of financial books becomes well-known, investors may assume they can trust that person’s advice. This isn’t necessarily the case.

    Fame and quality don’t always go together. Recently, I was selected by an Internet community site called moneytips.com as one of their top 50 “social influencers.” This is a list of professionals in the areas of wealth and personal finance who use social media and other Internet tools effectively.

  • Staying Young in Retirement

    It’s no secret that the secret of staying young is keeping your mind active and engaged. But as a retiree, removed from the world of work and with loads of time on your hands at home, how do you do that, exactly?

    I have the pleasure of working with several people in their mid-70s, who are among the most interesting and engaging people I ever met.

    They stay young by keeping their mind and body busy. These people always think of new ways of keeping their interests fresh. I hope that as you get closer to retirement, you can do the same thing. Some tips:

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