Everyone and their dog has probably already googled the phrase, “Where is my stimulus check?”. But in case you’re still in the dark, here is a summary article from Money magazine that goes over the salient points about getting the check and common error messages: https://money.com/wheres-my-stimulus-check-get-my-payment-status-not-available/ If you have any questions, please feel free to contact me. … [Read more...]

 Do I have the right percentage of stocks/growth?If I were to do it all over again and go back in time, would I have the same % stocks, same strategy?  When you achieve desired recovery, what will you change? Actual alignment with Buckets and Tools approach?If I were to do it all over again and go back in time, would I divide all my money up accd to BAT approach, would I do put a different percentage? When you achieve desired recovery, what will you change?  Is … [Read more...]

There are a handful of educators that I follow regularly. One of them is David McKnight. He is an expert in the area of tax-free retirement and how to get to the 0% tax bracket. He has been beating the drum for years that tax rates will increase significantly in the future, in fact they have to. Here is the link to a recent podcast he did on why now is the perfect time to use a Roth … [Read more...]

Today I read about a portion of the new stimulus bill that I was unaware of before which relates to an improvement for the way that charitable giving is treated. Previously, most charitable giving was not being deducted from taxable income due to the large standard deduction that generally was larger than itemized deductions (where charitable giving is found). One provision of the new stimulus bill allows for a "above the line" deduction for the first $300 of charitable giving. This means … [Read more...]

A common human response to fear is to pull back. That's normal and natural in the physical world. We must protect ourselves from real danger and real harm. In the investing world, it's a little bit more counter intuitive. When prices are falling, the most common temptation is to bail. It begins to feel like putting money into the market has no purpose, as if it just evaporates. In actuality, the story is not so simple. Maybe the best way to describe it would be with a metaphor… Imagine … [Read more...]