AdviceIQ Articles

  • How Good Market Years Hurt

    Good market runs are misleading. Too often, investors mistakenly think a top-performing year entitles them to refrain from putting away money the following year. These folks are cheating themselves.

    If invested in the stock market in 2013, you saw a nice return on your investments. An amazing year for investors: The Standard & Poor’s 500 rocketed up 29.4% while the Dow Jones Industrial Average rose 23.6%. It’s easy to lose your investing head amid those numbers.

  • Why Is Market Timing Back?

    Somehow, the once-sacrosanct buy and hold philosophy seems passé. Curiously, market timing now is the ticket. How did that happen?

  • Key to Biz Success: A Team

    How do you make your business valuable? By creating a team out of everyone who works there. Instead of a bunch of folks logging their eight hours on the job, you have a committed group that pulls together to realize a common goal. Making that happen isn’t easy. Here’s how to do it.

    In 1968, the first baby boomers turned 22. In 2014, they turn 68. The boomers, and the generation before, created millions of closely held enterprises and professional practices. Succession planning and the sale of business interests is a big topic.

  • How to Pay for College

    Your kid just got into a dream college. Now how do you pay for it?

  • Fed Stimulus to Stick Around

    Don’t expect the Fed to really back off its plan to taper down its stimulus efforts. Too many people still are out of work, and improvement is glacial, at best.

  • Millennials’ Credit Scores

    Your credit score ranks as one of the most important numbers in your young adult life. Here’s what to know as you build one.

    This three-digit number acts as your financial report card, representing your creditworthiness and an indication to potential lenders of the likelihood that you pay debts on time. If you’re a millennial, born in the 1980s and early 1990s, you must start building this indispensable tool of financial adulthood.

  • Cheap and Easy Travel via RV

    When I ask people what do they plan to do when retired, the answer often is: “See new places.” A good and affordable way to do that is becoming a part-time or full-time RVer.

    In my experience, the No. 1 activity most people look forward to when they retire from earning an income is travel. Seeing the world has never been easier. True, air travel is rarely easy or pleasurable, and it can be expensive. With a little planning and work, though, travel can fit easily into many retirees’ budgets.

  • Too-Rosy Hedge Fund Returns

    Hedge funds are supposed to give you superior returns. Many advertise their performance as the result of low price volatility, avoidance of frightening risk-taking and not hewing closely to the overall market. But a close look reveals that in the aggregate these claims are questionable.

    Hedge fund index returns show the problem stems from stale data that mask their true underpinnings.

  • IRS Payment Fees Rise

    Costs of doing business with the Internal Revenue Service recently rose for those needing special arrangements to pay taxes. Here’s what to know.

    If you can’t pay your federal individual income taxes by the deadline of Tuesday, April 15, you may be able to set up special payment plans with the IRS. Some fees rose significantly.

  • Taking Out Retirement Money

    Staying the course in a rollercoaster stock market challenges both you and your financial advisor – a challenge made even tougher when you take your retirement distributions. Here’s how a withdrawal policy statement (WPS) helps avoid panicked investing moves.


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