Retirement Planning For Millennials

By Robert Pagliarini on May 4, 2016

If you are younger than 35, saving for retirement may not feel like a priority. After all, retirement may be 30 years away; if your employer does not sponsor a retirement plan, there may be less incentive for you to start. Even so, you must save and invest for retirement as soon as you can.…

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Economic Update 05/02/2016

By Robert Pagliarini on May 2, 2016

INCOME OUTDISTANCES SPENDING Personal income rose 0.4% in March, yet the Commerce Department reported personal spending up just 0.1%. That mild uptick contributed to a poor first quarter for GDP; last week, the Bureau of Economic Analysis estimated Q1 growth at 0.5%. CONSUMER OPTIMISM DECLINES The Conference Board’s consumer confidence index dipped 1.9 points in April…

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Economic Update 04/25/16

By Robert Pagliarini on April 25, 2016

HOME SALES REBOUND Bouncing back from a drop of 7.3% in February, existing home sales improved 5.1% last month. In its March report, the National Association of Realtors announced a median sale price of $222,700, 5.7% higher than a year ago. BUILDERS BREAK GROUND ON FEWER PROJECTS While home sales increased last month, the pace…

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Advice from Warren Buffett

By Robert Pagliarini on April 21, 2016

If you ask someone who the “world’s greatest investor” is, the answer more often than not may be “Warren Buffett.” That honor has never formally been awarded to him, and many other names might be in the running for that hypothetical title, but one thing is certain: the “Oracle of Omaha” is greatly admired in…

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Does It Make Sense To Downsize In Retirement?

By Robert Pagliarini on April 20, 2016

You want to retire, and you own a large home that is nearly or fully paid off. The kids are gone, but the upkeep costs haven’t fallen. Should you retire and keep your home? Or sell your home and retire? Maybe it’s time to downsize. Lower housing expenses could put more cash in your pocket.…

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The Benefits of a Roth Conversion in a Down Market

By Robert Pagliarini on

Converting a traditional IRA to a Roth IRA is no easy decision. After all, it is a taxable event. When the stock market is down or sluggish, however, a Roth conversion has more appeal. Traditional IRA owners “go Roth” for some very good reasons. A Roth IRA can be a resource for tax-free retirement money.…

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Saving for College & Retirement

By Robert Pagliarini on

Saving for retirement is a must. Saving for college is certainly a priority. How do you do both at once? Saving for retirement should always come first. After all, retirees cannot apply for financial aid; college students can. That said, there are ways to try and accomplish both objectives within the big picture of your…

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Economic Update 04/18/16

By Robert Pagliarini on April 18, 2016

HOW WEAK WAS FIRST-QUARTER GROWTH? Economists have reason to wonder given the latest retail sales, industrial output, and inflation figures. Overall retail purchases fell 0.3% in March, though they rose 0.2% minus auto buying; analysts polled by MarketWatch expected a 0.1% gain for the headline number and a 0.5% gain for the core number. Industrial…

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Economic Update 04/11/16

By Robert Pagliarini on April 11, 2016

FED: APRIL MIGHT BE TOO SOON FOR A RATE HIKE That was the message Wall Street gleaned from the Federal Reserve’s March policy meeting minutes. Several Fed officials, the minutes stated, felt that “raising the target range as soon as April would signal a sense of urgency” that would be untimely. Another passage noted broad…

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What You Need To Know About Inherited Real Estate

By Robert Pagliarini on April 9, 2016

At some point in our lives, we may inherit a home or another form of real property. In such instances, we need to understand some of the jargon involving inherited real estate. What does “cost basis” mean? What is a “step-up?” What is the home sale tax exclusion, and what kind of tax break does…

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