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Oil Prices Drop- Good News, Bad News
Crude oil prices have dropped significantly. In October of 2014 crude WTI oil topped $90/barrel while now it is approaching $58/Barrel 12/17/14. The good news is that the drop in crude means lower...
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Past performance is no indication of the future– The case for lower...
I recently attended the ETF conference in Hollywood, Florida where over 1,900 financial professionals gathered for three days to hear commentary from investment experts around the country. The...
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When a Mortgage Refinance May Not Save You Money
Interest rates since the 1980s have fallen creating an opportunity for many Americans. Not only have homeowners upsized their homes, they have also refinanced multiple times saving hundreds, if not...
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SC Residents Should Consider Keeping Credit Monitoring Indefinitely
The SC Department of Revenue was hacked a few years ago and since then the state of SC has paid for credit monitoring and fraud alerts for the affected taxpayers. Expedia was the first provider and...
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Implications of an Expensive Stock Market
The stock market is currently not cheap. How overvalued is it? This blog by Doug Short analyzes current US stock market valuations based on several popular metrics. His analysis shows that except...
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How the “Doc Fix” Bill Will Increase Your Medicare Bills
The Medicare Access and CHIP Reauthorization Act of 2015 also known as the “doc fix” was recently signed into law. It provided guidance for the fees that doctors charge for Medicare services going...
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Calm Seas Breed Complacency
Five plus years of exceptional stock and bond market returns may be breeding complacency. Investors tend to exhibit what is known as “recency bias.” They expect recent performance to persist in well...
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Don’t procrastinate any longer. Estate planning is necessary and simpler...
Estate planning is the most overlooked portion of many American’s financial plans. In fact, roughly 50% of Americans die without a will. Since 2013, Federal legislation simplified the process by...
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Six Commandments for Investors in a Market Meltdown
The global economy is sluggish. Falling consumer demand is putting pressure on commodity prices which have hit energy companies and emerging market countries especially hard. A slowdown in China’s...
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This Bill for Some Retirees Could Increase Over 50% Next Year
Medicare trustees are forecasting that Medicare Part B premiums for some enrollees may have to increase 52% next year due to a “hold harmless” clause in the Medicare legislation. The hold harmless...
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What to Expect for 2016
Financial markets had a lackluster year. The latter part of the year was volatile with stocks suffering sharp losses in August followed by a snapback in October. Continued choppy action appears to be...
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Should you pay off your mortgage?
Cash is not returning much more than 1% these days and financial markets are volatile and overvalued, portending lower future returns. Many homeowners wonder if they should use their surplus cash to...
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Market Corrections are Healthy and Should be Expected
For those of you who have been long term clients or followers of my blogs, you are well aware that I have been warning about a market correction for some time. When the Federal Reserve lowered...
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Congress Makes Tax Break for Retirees Permanent
At the end of 2015 (December 18th, 2015) Congress passed legislation that allowed Qualified Charitable Distributions from IRAs to count toward Required Minimum Distributions aka RMDs. This change was...
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