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Category Archives: Uncategorized
When Did You Last Review Your Insurance Coverage?
When is the last time you compared rates on your home and auto insurance policies? Unfortunately, a stellar safety record doesn’t always translate into lower insurance rates. Even if you think you have a good rate, shopping around periodically is smart. After receiving my April newsletter and attempting to follow my advice of maintaining an [...]
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Did You Survive The Flash Crash Of 2013?
Within three minutes during April 23, 2013, the Dow Jones Industrial Average lost nearly 150 points, and approximately $136 billion of market value was wiped out. The recovery was just as fast, and markets returned to having a profitable session (both the Dow and the S&P 500 were up over 1% for the day). The [...]
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Free Tax Preparation For Qualified Utah Residents
April 15th is around the corner. Did you know there are programs that offer free tax preparation for those who qualify? UtahTaxHelp.org is a statewide initiative powered by Community Action Partnership of Utah, a nonprofit organization dedicated to providing free online and in person tax help you can trust. Who qualifies to file state and federal taxes [...]
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Should You Own an Umbrella Policy?
As a financial planner, a good portion of my job consists of identifying and dealing with potential risks and liabilities for which my clients are exposed. One of the most comprehensive, cost-effective tools for reducing risk exposure is an umbrella insurance policy. Quite simply, if you are reading this newsletter, the purchase of an umbrella [...]
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Are You Protecting Your Credit Standing?
A clean, accurate credit history is a critical piece of the personal finance puzzle. Staying on top of your credit standing over time can mean big savings since credit scores often determine your access to loans, interest rates, and monthly payments. An error on the report of any of the three major credit agencies – [...]
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What If The Stock Market Crashes?
As the Dow has risen 138% since March 9, 2009, some investors worry the market is overheated and due for a pullback. An opposing view is the current price of the S&P 500 is comparable to its value in 1999, despite the fact that its earnings and dividends have doubled since that time, suggesting the [...]
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2013 Retirement Account Contribution Limits
Annual contribution limits for retirement accounts in 2013 are listed below: -Maximum annual IRA contribution (under age 50): $5,500 -Maximum annual IRA contribution (age 50 and over): $6,500 -Maximum annual 401(k), 403(b), and 457 salary-deferral limit (under age 50): $17,500 -Maximum annual 401(k), 403(b), and 457 salary-deferral limit (age 50 and over): $23,000 -Maximum annual [...]
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Are Social Security Benefits Taxed?
Ever wondered if your Social Security benefit is subject to federal tax? The answer depends on your annual household income. The first step is to calculate your “provisional income,” which is a combination of all your taxable income plus half your Social Security benefit. Comparing your provisional income to the following chart tells you how [...]
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How Volatile (Dangerous) Is Today’s Stock Market?