AdviceIQ Articles

  • Retirement Planning for Gen Y?

    The further the goal, the harder for us to see it. Retirement seems distant indeed to many investors and savers, especially young adults just beginning lifetimes of perhaps record length. Procrastinating and even assuming, as the young sometimes do, that you’ll never need retirement money threatens your future.

  • Market Shrugs Off Bad News

    The stock market’s rebound this month and only modest dip in August owes a lot to the investing public becoming inured to bad news.

    A sponge can only so much water. It can become totally dry or completely saturated and the same is true for the appetite of investors – until it changes. When the change occurs is anyone’s guess.

  • Tax Surprises And Newlyweds

    Many tax surprises await you post-nuptials, pleasant and unpleasant, ranging from what you can and can’t deduct to how you treat separately owned real estate.

    Prior to marching down the aisle to wedded bliss, look at the calendar. Did you know that whether you and your betrothed marry on Jan. 1 or Dec. 31 of this year, tax authorities consider you married for the whole year?

  • How to Sign Up an Advisor

    You’ve met your financial planner, talked over your future and spelled out your goals and money objectives both verbally and in writing. Now comes the paperwork to formally set up your plan and your relationship with the advisor.

    (This is the third of four articles about what you can expect from the process of financial planning.)

  • Angel Investing Not for All

    Business abounds with tales of investors appearing like angels for the last-minute rescue of new and, of course, ultimately successful companies. The shoestring struggle always reads like a page-turner, climaxing in riches for all. But the failure rate on angel investing is high. If you want to try it, here’s a guide to help.

  • Flexibility in a World of Change

    As summer comes to an end, it pays to take a good look at how flexible you are. When you plan for the future, you need to be adaptable. No one knows what tomorrow holds.

    This is certainly true in the world of work. Earlier this month, we celebrated Labor Day. President Grover Cleveland signed it into law as a federal holiday in 1894 to placate unions, following a bloody and tumultuous strike at the Pullman Co., which made railcars. Today, the break on the first Monday of September is less about labor and more about recreation, cookouts and the mental end of summer.

  • 3 Reasons We Overspend

    Our spending rarely keeps up with our self-perceptions. Ever set a financial goal only to find that your spending significantly surpassed your budget? When you have the best of intentions to create financial health, why is it so darn easy to sabotage your progress?

    As a female financial advisor and confirmed personal finance junkie, I can give three factors fueling this all-too-common phenomenon.

  • Fed’s Talk Outdoes Its Actions

    Turns out that the Federal Reserve’s words carry a greater impact than its actions. Up ahead, the central bank intends to rely even more on jawboning to influence interest rates, with a big effect on capital markets.

    President Barack Obama’s campaign slogan for last year’s election was “Forward.”  The Fed’s slogan in the coming months may be “forward guidance.”

  • Advice Made to Order

    Professional financial advice targeted toward you, your life and your goals works much better than generalized, scattershot investing tips.

  • The Exercise & Success Link

    Sound body, sound mind, sound finances? It’s true: The better your physical shape, the better the odds that your financial situation is in good shape.

    It should be no surprise to hear that diet and exercise form the cornerstone of a healthy lifestyle. But why would a consistent exercise program do as much for you mind and your wallet as it does for your body? I was never able to control my eating habits, until I changed my exercise habits. I was raised (unintentionally) in a competition for who could eat the most. That’s fine when you’re 25, but I was out of control.

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