10-Year Rule

10-Year Rule and Retirement Accounts

The 10-Year Rule Increases Taxes   What is the 10-year rule, and why is it important? After 2020, most non-spousal beneficiaries pay attention. The 10-year rule will cost you more in taxes passing on your pre-tax retirement accounts.   Do […]

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Step-by-Step Guide to Mega Backdoor Roth

Mega Backdoor Roth

A Step-by-Step Guide to the Mega Backdoor Roth The Mega Backdoor Roth is an excellent way for high-income earners to tuck away a ton of Roth money for retirement. There are a couple of things you need: High Income a […]

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Short-Term TIPS

TIPS and Duration: Should I buy Short-Term TIPS?

Should I buy short-term TIPS or just a regular TIPS fund?   TIPS, like other governmental bonds, have duration. Duration reflects the investment’s sensitivity to changes in interest rates. Should you buy short-term TIPS or, perhaps,  an intermediate-duration TIPS ETF? […]

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Best Bond Alternatives

Alternatives to Bonds

Bond Alternatives For Diversification Should you diversify your bond holdings? Bond alternatives are an interesting consideration, especially now that interest rates and inflation are back. Your bond funds are paying better, but inflation evaporates lazy money. If you have de-risked […]

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the Efficient Frontier

Positioning to “Time” the Stock Market

How to Time the Market with Positioning You can’t time the market! Many have tried, and many have failed. But there is an acceptable way for investors to time the market: what about positioning assets rather than predicting the future? […]

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How to Double Your Stock Broker's Returns

How to Beat Your Stock Broker’s Returns

Simple Strategies to Beat Your Broker   They say the internet changed everything. Well, finally, that change has come to basic investing. It is now simple to beat your stock broker’s returns. And no, this is not clickbait headlines—at least […]

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Investing is as “Simple as That”

Investing as Simple as Possible

Investing as Simple as Possible   Investing made as simple as possible: Buy stocks when you have the money Sell when you need the money Simple and easy. But let’s get into the details to flush out what you actually […]

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What Was I Thinking When I Bought Crytpo?

What Was I Thinking When I Bought Crytpo?

What Was I Thinking When I Bought Crytpo?   Note- This was originally published June 2022 and updated July 2023 I recently bought three different cryptocurrency coins. I don’t have custody of them, neither hot nor cold. But they are […]

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