MoneyLetter Blog
The latest insights on the economy and the markets, investment strategies, and retirement
Things To Consider When Leveraging Real Estate To Build Wealth
Investors are constantly bombarded with conflicting information on debt, in small soundbites without much additional context. If you scour the internet for influencers’ takes on debt, you’ll see two major schools of thought: 1. Debt is evil. You must do everything you...
Secure 2.0: The Second Major Legislative Update to the Retirement Plan Marketplace in Three Years
There are numerous opportunities for retirement investors and retirement plan sponsors in the new law. In this article, we’ll discuss some of the newly created advantages and we’ll try to provide useful insights on how the changes can be applied. More Americans can...
What Should Retirees Do About Economic Uncertainty?
“I’m scared about my investments due to recent stock market declines, high inflation, and the jump in interest rates. Where do you think the markets are headed right now?” This question was posed to me at a recent lunch I had with a retiree in her late 70s. “To be...
What to Do With Your Tax Refund? Save for Emergencies.
The average federal income tax refund is smaller this year, but it’s still almost $3,000. And for strapped taxpayers, that can provide a financial boost. As of March 31, the average federal tax refund was $2,910, down 10% from $3,226 at the same time last year,...
Why is OPEC Cutting Oil Output?
Here are the main reasons why OPEC+ is cutting output: CONCERNS ABOUT WEAK GLOBAL DEMAND Saudi Arabia has said voluntary output cuts of 1.66 million bpd on top of the existing 2 million bpd cuts were made as a precautionary measure aimed at supporting market...
Markets Got You Down? Consider a Roth Conversion
Nobody wants to pay taxes now when you can defer them to a future year, right? Not so fast. Are there times when it makes sense to take the taxable income you don’t need for current expenses? One of MoneyLetter’s colleagues, Bruce Hardy – portfolio manager for the...
Inflation Hits Stocks, Bonds…and Your Wallet
We commit a lot of editorial space in MoneyLetter to the effects of high inflation on equity and fixed income prices. But what about the effects of inflation on your wallet? Everything from food to gas to home repair products seems to be increasing in price every day....
Know Your Medicare Basics
Let’s get right to it. Medicare is a federal health insurance program for people who are 65 or older and people with certain disabilities or diseases. It is administered by the Centers for Medicare and Medicaid Services (CMS).[1] There are four parts to Medicare...
The SVB Situation and Your Financial Picture
You’ve heard the news that Silicon Valley Bank (SVB) has experienced a financial shock. In a matter of a few short days, Silicon Valley Bank went under. So, let’s get into the facts that can help put this event into context. The series of events Before interest rates...
What the Banking Panic Means for Fed Rates Next Week
As markets recovered on Tuesday, the banking crisis that kicked off on Friday looked a little less scary, though the turmoil may not be over yet. There is optimism that the problems that sank Silicon Valley Bank and others in the U.S. won’t spread. Of course, there...
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