AdviceIQ Articles

  • How to Play Bonds in 2014

    Here’s a good New Year’s resolution for you: Make bonds a strong part of your investment portfolio. That seems counter-intuitive. It’s a good bet that bonds face a challenging 2014, amid Federal Reserve policy changes and climbing interest rates.

    Boring old bonds don’t have the flash that stocks do, they lack the immediate thrill that cash provides because of its liquidity and they’re not as mysterious as alternatives investments like derivatives. Yet if you give them a chance, bonds can play a major role in ensuring that your retirement will be secure.

  • The 1% Savings Secret

    Your salary grows every year – presumably – and so should your savings, if even in tiny amounts. Here’s how it all adds up.

    Personal finance writing uses 1% a lot lately – either as the figure to annually increase your savings or as the select slice of the population the financially aspiring want to join. Can consistently saving 1% more each year help you gain entry into the top 1% we heard much about over the past few years?

  • IRA Withdrawals in Your 60s

    Everybody chimes in on what you can and cannot withdraw from your individual retirement account before you reach age 59½ or on what you must or must not do with your IRA after you reached 70½. What do you do in the interim? You actually have all the control. Here’s why.

  • Obamacare Mess Unabated

    The Obamacare website is still a mess, as I discovered personally. Our elected officials and government agencies failed us miserably. So far, there appears to be no relief in sight. Despite some reported fixes, too many flaws remain.

  • Newlyweds: 3 Vital Discussions

    Marriage is both a romantic and a financial union. While couples usually have broad discussions about the future, they often fail to talk about how to commingle the money and how to operate financially as a family. Discussing three important items at the outset makes the marriage run smoother.

    Bringing two lives together to form one family unit is an exciting time. The joining of belongings, beliefs and money create an opportunity, but also stress.

    The three things new couples need to discuss:

  • Nobel-Winning Investing

    Recently the Nobel Prize committee awarded three economists who have different points of view and who themselves chuckled at their shared winning. Here’s what you can learn from each.

  • Skepticism on Long-Term Care

    Long-term care insurance is over-priced and often sold to people who don't need it. The worst part is that when people have to use it, they’re more likely to feel frustrated, disappointed and dissatisfied than to enjoy the comfort and peace of mind they expect.

  • Cash in an Old Life Policy?

    Should you cash in an old life insurance policy? Maybe even one your parents took out for you when you were an infant? Sometimes, despite the emotions surrounding such a long-term holding, the answer is yes.

    When Susan came into the world in 1974, of course her parents wanted the best for her. At that time, one of the loving things many parents did for their children was to purchase life insurance policies on them.

  • A Coming Caregiver Crunch

    As the giant baby boomer generation enters old age, who will be their caregivers? A shortage looms, with possibly dire consequences.

    Most Americans are in the dark when it comes to understanding the true cost of health care. A collision between demographics, technology and the Affordable Care Act is a jarring trifecta that will affect multiple generations.

  • How to Store Critical Info

    Most of us make lists for groceries and weekend chores. Few write what’s likely the most important list of our lives and here’s what to put on it.

    Call it a life book: a notebook – or just a piece of paper – containing pertinent information your loved one must know to take care of you or your family if you suffer a serious accident, illness, emergency or death.

    To see the value, ask yourself how to answer these questions if something happens to your spouse or to another close family member:

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