Advisors

First, let’s be clear: The current bull hasn’t been running as long as most people think. The popular belief that the current bull started in March 2009 is contradicted by the more than 20 percent dips in many indices that occurred between 2015 and Feb. 11, 2016 — arguably, the actual start of a new
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“With premiums much higher this year, it’s a good time to write options,” said Sterling Neblett, a certified financial planner and founding partner of advisory firm Centurion Wealth. “It can be a good strategy in volatile, choppy markets.” Option-writing strategies range from conservative (covered calls and collars) to extremely risky (naked puts). With the virtually
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1. Overconfidence. Clients affected by this bias often overestimate the confidence level and the accuracy of their own judgment as greater than the objective accuracy of those judgments. In other words, the subjective estimation of our own accuracy and reliability is greater than it objectively is. This bias can result in an investor who has
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“Location, location, location” has been a real estate industry cliché for nearly a century and, since clichés are clichés because they are largely true (according to the well-known, er, cliché), the mantra still applies — and across many industries. To wit, a less-than-ideal location or failed geographic expansion was a factor in 9 percent of
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If you don’t come up with the cash by the time your federal return is due, the loan morphs into an early distribution and is generally subject both to income taxes and the 10 percent early-withdrawal penalty if you’re under age 59½. Although many financial advisors say 401(k) loans should be off-limits entirely, others say
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If possible, try not to let your mortgage payments follow you into retirement, said financial advisor Winnie Sun. “When you have a mortgage, you really want to focus on paying it down,” said Sun, founder of Sun Group Wealth Partners. “There’s a lot of benefits to this.” Fewer payments, of course, will leave you with
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I recently read “The Index Revolution” by Charles D. Ellis, a well-known investor who is widely respected for his success in institutional finance. He has authored 16 books and more than 100 articles on investing strategies. “The Index Revolution” offers numerous reasons why index investing is the best approach. Here are three reasons that stood
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“We often see more demand for loans from investors and borrowers in the latter half of the business cycle,” said John Fraser, head of credit management at Investcorp, which has multiple funds managing over $5 billion in the U.S. loan market. It manages another $6 billion in the smaller European market. “With good but not
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If you want to have a financially savvy college student, start talking to your child about money while she’s still in diapers. It’s never too early to begin talking to your kids about financial literacy, said certified financial planner Marguerita M. Cheng, CEO and co-founder of Blue Ocean Global Wealth in Gaithersburg, Maryland. “The key
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The most common way financial assets are forgotten, and then “escheated” by the state, is by not organizing your financial affairs and leaving investment accounts at multiple financial institutions. Escheat occurs when unclaimed financial assets, such as those in a bank or investment account, have been dormant for a long period of time. These assets
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Consumers can use credit cards to pay for nearly everything, everywhere these days. But just because you can doesn’t mean you necessarily should, says credit reporting agency Experian. Outstanding credit card debt recently hit its highest point ever, surpassing $1 trillion in 2017, according to the Federal Reserve. And 86 percent of Americans who have
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