For starters, you can’t project the past into the future. A fund that makes you 18% this year might lose you 2% next year. Past performance is a lousy predictor of future performance. Burton Malkiel, shows in his great book A Random Walk Down Wall Street that the best funds in the 1970s lagged behind [...]
A financial planner or financial advisor is a practicing professional who helps people deal with various personal financial issues through proper planning, which includes but is not limited to these major areas: cash flow management, education planning, retirement planning, investment planning, risk management and insurance planning, tax planning, estate planning and business succession planning (for [...]
Financial planning should cover all areas of the client’s financial needs and should result in the achievement of each of the client’s goals. The scope of planning would usually include the following:and Insurance Planning Risk management Managing cash flow risks through sound risk management and insurance techniques Investment and Planning Issues Planning, creating and managing [...]
1. “Like it or not, you may need help with your taxes.” When Cindy Hockenberry and her husband sent in a tax penalty payment in 2007, they knew there was a chance their math may not jibe with the IRS’s. When that turned out to be true and the total was much higher than projected, [...]
The worst economic crisis since the Great Depression has investors everywhere wondering if to purchase, hold or bail. Though there is no telling if the current world recession will turn into a sepia toned, soup lined sequel to that historic calamity, it did get us thinking: If the whole point of stocks is to purchase [...]
PEOPLE ARE ALWAYS Wondering if they can subtract certain things from their taxes &mdash, like red wine as a health related expense nice try. The common question: if they can write off their car as a business expense. For most, the answer is “no.” You usually can not, as an example, subtract the cost of [...]
1. “We’ll do it our way.” You’ve been planning your wedding for months if not years and the tiniest detail is taken into account. Too bad that all too frequently, the people you hire to help carry out the plans are oblivious to what you want. When Mary Jane Shroyer of Decatur, Ga., arrived at [...]
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