AdviceIQ Articles

  • Pension Woes & Muni Bonds

    Public pension underfunding at the state and local level is a big concern for municipal bondholders.

    Most public pension funds are significantly underfunded when their liabilities are valued using economically reasonable assumptions. In fact, the Pew Trust estimated that total underfunding was roughly $1.4 trillion as of 2010. That means the total value of pension fund assets is roughly $1.4 trillion less than the amount these funds owe to current and future retirees.

  • Profits? Yes. Successful? No

    Every business owner dreams of success, but too few know the difference between the two key ingredients involved, cash and profits – a fatal flaw you can correct. Here’s how.

    In 1979, my vending machine company completed its best year ever. We made a ton of money – then I looked at the checkbook.

    Instead of seeing the big fat balance that our profits showed, I saw a six-figure negative balance. At first I thought it was a mistake. How did it happen? I made that ton of cash and still had no money.

  • Hidden Costs of Air Security

    During this holiday season, millions of passengers endure airport security. In addition to the hassle, there is a little-noticed economic cost to this, which is a factor in steadily rising airfares.

  • Navigating Mutual Funds

    Mutual funds carry unique risks and benefits just like other investments, despite marketing that tells you otherwise. As ubiquitous as they are, a lot of people aren’t clear how they operate and what the differences are among them.

    Here’s what to look for.

  • Pros and Cons of Annuities

    You need a steady income flow in your retirement years and can build one with the right type of investment tool, such as annuities. Question is, what kind? One type has a fluctuating value that depends on market forces. Another type offers a steady payment. Here’s a guide to figuring this out.

  • U.S. Ingenuity = Energy Surge

    The irony is great. The United States, once a beggar to foreign oil producers, is now a big energy exporter. Even better, this trend is just getting started. The reason: good old American ingenuity.

    The Saudi princes are nervous: 92% of Saudi Arabia’s annual budget depends on oil sales. The fear is that the energy boom in the U.S. and elsewhere, driven by improved seismic technology, horizontal drilling and fracking techniques, will diminish sales and the Organization of Petroleum Exporting Countries dominance of global oil prices.

  • Reluctant to Hire an Advisor?

    Some folks just do not want a financial advisor. Why? Concerns about advisor honesty, doubts that they their wealth is big enough for an advisor to care and lack of understanding about what an advisor does.

    According to a survey by researchers Cerulli Associates, about half of American households lack an advisor. The argument for hiring an advisor is compelling – even the best players need a coach, a savvy third party to look over your shoulder and offer wise counsel.

  • Preparing for the Unthinkable

    Scary things happen in life. Here’s how to make thinking about them easier.

    You love your family and want to make sure they’re protected if something happens to you. One way to plan for disaster: Manage your risk.

    The right variety of personal insurance. You already hold insurance for your car or home. Chances you need other insurance loom greater than you think.

  • Making $100 Fast (Part 1)

    Everyone needs cash in a hurry from time to time. This first article on the subject shows how to make money selling what you no longer want.

    Selling what you own or acquire cheaply ranks as one of the best and easiest ways to make quick cash. It also keeps clutter in your life to a minimum. Here are a few avenues:

    Garage sales. Profits of well-run sales average the low three figures per day – earned without even leaving your house.

  • 2014 Reversals of Fortune

    In the market, the only constant is change. So in the new year, look for reversals of fortune. What is up now may not continue to be, and vice-versa.

    As has been the case all year long, global stock market investors had a great 2013, with most countries experiencing 20%-plus percent returns.


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