The S&P 500: cap-weighted or equal-weight? Key Takeaways: Diversification is key to a smoother investment journey; different types of investments (e.g., mid-caps, small-caps, large-caps, international vs. US) perform differently at various times, helping to...
Do I Owe Taxes on a Gift? Key Take-aways from the question, "Do I Owe Taxes on A Gift?": If you are the recipient of a gift, you do NOT owe a gift tax on this money. In 2024, if you are a gift GIVER, you can now give up to $18,000 to one person, without needing to...
Higher Taxes Headed Your Way? Are higher taxes headed your way in the future? These potentially higher taxes may be due to higher than expected required minimum distributions (RMD's). The starting age for RMD's is now 73. We even had a period where there were no...
Should You Buy Gold Bars at Costco? Costco recently began selling one ounce gold bars. Should you take advantage of this? Costco recently began selling gold bars online, not in stores, and sold one hundred million dollars' worth in the recent fiscal quarter. Buying...
Real Estate vs. Stocks In video episode 365: Tony invested his $50,000 inheritance in real estate by putting it down on a $250,000 house and renting it out, initially earning $24,000 a year in rent but facing mortgage and maintenance costs associated with real estate....
Cash Flow Matters In video episode #364, Tom covers: - Cash flow matters - and is crucial at every stage of financial planning, whether starting out in life, getting out of debt, preparing for retirement, or running a business. - People often focus too much on assets...
Target Date Fund: Your New Landlord? How in the world can your Target Date Fund be your next landlord? In episode 363, Tom discusses how a Target Date Fund - these funds are often one of the default fund choices for many retirement plan investors (and college savers!)...
Long Term Care in New Jersey In this episode (video episode # 362), Tom shares some information about the Medicaid process and long term care here in New Jersey. It's no surprise, the cost of long term care in New Jersey (and around the country) continues to climb...
More Money, More Problems, Episode 361 Do you need more money to be happy? The "slam dunk" answer is "of course!" But is that really the answer? In episode #361, Tom discusses the results of a recent survey conducted by Empower. Sadly, we have learned more people...
401k Plan Changes? Episode 360 In this video, Tom discusses significant 401k plan changes are coming (soon!) to one of the oldest and largest 401k plans in the United States. Recently (early November), IBM announced they were no longer making employer matching...
