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Posted by in News

May 8, 2017

By J. André Weisbrod

Do you regret some major financial decisions?  Most people do.

In 2016 Bankrate.com published results of a survey that found only 17% of Americans said they had no financial regrets.  The biggest regrets were:

·         Not saving for retirement early enough

·         Not saving for emergency expenses

·         Taking on too much student loan debt

·         Taking on too much credit card debt

·         Not saving enough for children’s’ educations

·         Buying a bigger house than you could afford

I have heard many people express regrets over these actions as well as others, including spending too much on vacations, too much on cars, buying the wrong or too expensive insurance, and making bad investments.  None of us is perfect and I imagine most of us – even the 17% in denial above – would change some financial decisions if we could.

Living in the past doesn’t do much good.  But learning from it is very good.  The younger we get this the better.   But no matter our age or situation, we can take actions to improve our financial condition.  I submit seven major actions:

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Posted by in News

March 30, 2017

By: J. André Weisbrod

Every year around this time a nationwide consternation builds up regarding taxes.  This is especially true for investors with diversified portfolios, and even truer for investors who own private investments, including partnerships, small corporations and LLCs.

I think people often get more agitated than they need to be.  Understanding the processes can help us relax a bit.

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Posted by in News

January 16, 2017

Dear Reader,

I am reaching out to you in this blog letter because I care about you.  It’s not just business. 

There is a lot of information, disinformation and misinformation out there about financial matters.  A lot of sales people are hyping various products that are supposed to solve problems.  Many make claims that are not substantiated by facts and/or audited figures. 

I submit to you that the biggest issue we all face is wise planning.  Someone once said… 

“Failure to plan is tantamount to planning to fail.” 

I agree.  First let me talk a bit about the past year and why many have a poor understanding of what happened and why expectations for many were not met and why reactions to disappointment could expose you to significant financial mistakes. 

I recently wrote an article published exclusively in Seeking Alpha Pro.  It will be available to all readers in early February.  (If you want to read a wide variety of articles on investing and markets, I encourage you to visit the Seeking Alpha site.)  A few introductory points were these: 

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Posted by in News

By J. André Weisbrod

October 31, 2016

In part 1 I described the types of investments that can produce retirement income.  To make good decisions we need to understand how they work and apply practical math in order to compare possible and probable results. 

I made the case for dividend-producing stocks over bonds and CDs.  Interest rates are just too low to get a real return above inflation and taxes.  While many retirees will prefer balanced portfolios that contain 20-40% in Bonds and CDs, they will have to keep their spending lower to make it work.  My comparison today will be between an income-equity portfolio of Stocks and Real Estate Investment Trusts (REITS) and a Single Premium Deferred Annuity with a 6% payout “for income purposes.”

I actually did a 35 year analysis going out to age 101.  I compared the results of both alternatives using the following assumptions:

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Posted by in News

September 26, 2016

The Retirement Income Puzzle: “6% Guaranteed for Income Purposes?”

By J. André Weisbrod 

Part One: Investment Alternatives

The radio advertisement promises you 6% “guaranteed for income purposes.”  It is a plug for insurance company annuities.  An ad by a nationally known advisory firm in a magazine says you should “hate annuities.”  Others promote high yield stocks, tax free bonds or private lending for retirement income.

As with anything else, we need to discount the hype and slick promotions and get to the heart of the puzzle.  We can use many different investment alternatives to create income.  The question is: What fits our situation best?  In many cases it will be a combination.  Let’s look at some of the main strategies.

Here are the main types of investments that can be used in a retirement income strategy (in alphabetical order):

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