AdviceIQ Articles

  • Emerging Market Debt Woes

    The emerging markets are destined to eclipse the U.S. and other economically mature nations, right? Not necessarily. Too often, debt feeds their growth. This is not the best nutrient because it imposes a burden. But Corporate America is sitting on a mountain of cash that it can deploy, so U.S. companies appear to be a better investment bet.

  • Get an Investing Philosophy

    Investing effectively over the long haul means staying cool despite hysterical reports that urge you to act immediately. Here’s how to keep your perspective.

    If you think any kind of economic environment makes for scary headlines, you’re right. If you think taking pundits’ investment advice might land you in the poor house, you’re right.

    Who to believe? You want to follow the right philosophy; you don’t need to give up or go it alone out of confusion.

    What’s a responsible saver to do? How can you best save for retirement?

  • How to Deduct a Home Office

    The home office deduction tends to cow taxpayers. They often shy away from this write-off because they think it’s too risky.

    Yes, the rules are complex. But if you have a bona fide home office and report your expenses the right way, you need not worry about getting into trouble with the taxman.

  • Why Bother With Bonds?

    This winter’s stock downturn sent a lot of investors scurrying out of equities and back to bonds. Going forward, whenever the stock market dips, realize that bonds’ sunny days are gone. Even modest inflation will eat them away over time. So don’t go there.

  • Know Annuities’ Hidden Costs

    Annuities come with a lot of nuts and bolts – and sometimes slick sales pitches. Here’s what to know.

    I recently received an invitation to a dinner session on annuities. Financial dinner seminars are a traditional method for investment advisors, estate planning attorneys and insurance and annuity sales types to get their message out to potential clients.

  • A Guide to Using an HSA

    You contribute to your Health Savings Account (HSA) to defray medical expenses and take advantage of many tax benefits. The Internal Revenue Service limits your annual contributions, though. Here’s how to use these accounts.

    You may deduct 100% of HSA contributions from your federal income tax and withdraw them tax- and penalty-free to pay for such out-of-pocket medical expenses as co-payments, prescription drugs and insurance deductibles (not premiums).

  • Why Bash Germany’s Success?

    Germany is just too darn successful. That’s the complaint from Washington and other European nations about the large German trade surplus, which they think the Federal Republic should tap to increase domestic demand and thus help its economically limping neighbors. How foolish.

  • Protecting Against ID Theft

    You shop, you swipe your card, you leave the store. Here’s what to know if your card information gets into the wrong hands.

  • What to Do With Cash

    Holding cash these days means watching taxes and inflation chew its value away. But you need some cash on hand for emergencies. How much, and how do you allocate it to get the best return in a time of extremely low rates?

    Low interest rates were not a problem back in the 1980s, when they were sky-high. Back then, you could get certificates of deposit paying a double-digit interest rate.  Today?  Good luck finding a single-digit on the left side of the decimal point reading anywhere north of the number “1.” 

  • End-of-World Money Moves

    The coming financial crash always looms. End of the markets, end of civilization, end of the world. How do you prepare?

    I, along with many other economists, agree with many of the concerns in these dire warnings. The growing debt and deficit spending taxes those holding dollars. The devaluation in the U.S. dollar risks the dollar’s status as the reserve currency of the world.

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