‘401(k) plan owners: Watch out’
Imagine how you would feel if you were on a sinking cruise ship and couldn’t get off because there weren’t any life jackets or backup boats. Now ask yourself, if you were ... Read More »
Dave Says – Let kids make mistakes
Need some financial advice? Debt and income crisis? Pay off the house mortgage first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey. Let kids make mistakes (and learn ... Read More »
One reason why ‘target dated’ funds haven’t done well for over a decade
There’s a reason why we often refer to target date funds as ‘target dated’ funds. These types of investments rely on portfolio construction techniques to decide what to own based on decades ... Read More »
Dave Says – Try to help him, but move slowly
Need some financial advice? Debt and income crisis? Pay off the house mortgage first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey. Try to help him, but move ... Read More »
Nearly 1/3 of investors 65+ sold at the stock market bottom
Typically when you fail to plan, you are planning to fail, and that applies to the stock market. It’s best to have a plan before trouble comes, rather than make emotional decisions ... Read More »
Dave Says – Dealing with debt collectors
Need some financial advice? Debt and income crisis? Pay off the house mortgage first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey. Dealing with debt collectors ... Read More »
Dave Says – Push the pause button
Need some financial advice? Debt and income crisis? Pay off the house mortgage first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey. Push the pause button Dear ... Read More »
What is the ‘7% guaranteed’ annuity myth?
One of the most common things I hear from people who own or have been pitched an annuity is the belief that the annuity will “earn 7% guaranteed.” Usually this is due ... Read More »
Dave Says – This lady’s getting it done!
Need some financial advice? Debt and income crisis? Pay off the house mortgage first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey. This lady’s getting it done! ... Read More »
Don’t play politics with your portfolio
Did the outcome of the election make you really happy and excited? Or did it leave you concerned, especially when it comes to your investments? Either way, you shouldn’t play politics with ... Read More »
Dave Says – A very generous offer
Need some financial advice? Debt and income crisis? Pay off the house mortgage first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey. A Very Generous Offer Dear ... Read More »
How low can interest rates go?
Looking back to the start of the century, interest rates have been in decline. Back then the Aggregate Bond Index was paying over 7%. Today? Just 1%. This means in order for ... Read More »
Dave Says – Are utilities included?
Need some financial advice? Debt and income crisis? Pay off the house mortgage first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey. Are utilities included? Dear Dave, ... Read More »
Should you change investments ahead of the election? Maybe.
Worried about what might happen to financial markets and your investments if we have the first contested election in 20 years, or if your candidate doesn’t win? You aren’t alone. Unfavorability ratings ... Read More »
Dave Says – Many benefits to budgeting
Need some financial advice? Debt and income crisis? Pay off the house mortgage first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey. Dear Dave, Some friends recently ... Read More »
Dave Says – Teachable moments are valuable at any age
Need some financial advice? Debt and income crisis? Pay off the house mortgage first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey. Teachable moments are valuable at ... Read More »
Who’s gonna pay for the ‘free’ lunch
The saying “there’s no such thing as a free lunch” has been attributed to many people over the years. Someone must produce and someone must pay for what we consume. There has ... Read More »
Dave Says – Responsibilities come first
Need some financial advice? Debt and income crisis? Pay off the house mortgage first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey. Responsibilities come first Dear ... Read More »
Nearly 1/3 of investors 65+ sold stocks at the market bottom
Typically when you fail to plan, you are planning to fail. It’s best to have a plan before trouble comes, rather than make emotional decisions on the fly during times of duress ... Read More »
Dave Says – Tithe on stimulus check?
Need some financial advice? Debt and income crisis? Pay off the house mortgage first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey. Tithe on stimulus check? Dear ... Read More »
Dave Says: Be professional and respectful
Need some financial advice? Debt and income crisis? Pay off the house mortgage first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey. Be professional and respectful ... Read More »
The trouble with trillions
Recently, President Trump signed ‘phase 3.5’ of emergency interim coronavirus relief, which comes with nearly a half trillion dollar cost. All told the current running total is in the trillions, exceeding $4 ... Read More »
Dave Says: Is it an emergency?
Need some financial advice? Debt and income crisis? Pay off the house mortgage first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey. Is it an emergency? Dear ... Read More »
Dave Says: Great start, but follow the steps
Need some financial advice? Debt and income crisis? Pay off the house mortgage first? Check cashing? Taxes? Credit Cards? Check out what folks are asking Dave Ramsey. Great start, but follow the ... Read More »
Ways to avoid the new tax increase on retirement accounts
Last month we discussed the SECURE Act and its projected $15.7 billion tax increase on beneficiaries of tax deferred retirement accounts (like 401(k)s, 403(bs), TSPs, IRAs, etc.). The only ones excluded from ... Read More »
