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Insurance during your midlife gap year: make sure your career break is fully protected

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Insurance during your midlife gap year: make sure your career break is fully protected

By in Financial Tips, General Education, Investor Behavior, News, Uncategorized
2 years ago
2 years ago 659

You’re embracing the idea of a midlife gap year. You’re picturing the landscapes, culture, and bucket list experiences in your mind. But unattended business is holding you back from peak excitement. You need proper insurance in case something goes wrong. When you’re taking a career break it’s tempting to ignore that responsible voice in your head. But if you do, this thrilling chapter of your life will be written with unnecessary…

What to do in a volatile market: Should I sell my stock?

By in Financial Tips, General Education, Investor Behavior, News
2 years ago
2 years ago 641

The stock market has been anything but stable recently. And unsurprisingly, that usually means our emotions haven’t been either. Financial freedom is tied to market performance, and when you start hearing about “down markets” or “recessions,” one question tends to come up in our nervous brains… Should I sell my stock? At its face it seems like a reasonable question. Afterall, if the market is headed for a prolonged downturn,…

What California homeowners need to know about Proposition 19

By in Financial Tips, News
4 years ago
4 years ago 0 849

On election day, the narrow passage of Proposition 19 in California brought good news for some homeowners.  The new law allows homeowners who are over 55, or disabled, or victims of wildfires or other disasters to transfer the tax base of their primary residence to a replacement residence.  This expands on the current law which allows homeowners over 55 to retain their tax base within their own county or some reciprocal counties,…

Inflation’s effect on 2021 retirement contribution limits

By in Financial Tips, General Education, News
4 years ago
4 years ago 0 1132

The IRS released the dollar limits for 2021 qualified retirement plan contributions.  For 2021, employees’ and owners’ ability to defer compensation and invest for their future remains about the same as 2020. Because of low inflation, most of the common contribution levels were left unchanged, with defined contribution total dollar amounts (from employee and employer contributions combined) increasing by only $1,000. Although individual contribution levels have not increased, super savers ,who focus…

Volatility, Optimism, and Q1 Market Details

By in News, Quarterly Thoughts
4 years ago
4 years ago 0 913

There’s no question we’re all living in unsettled times. Global citizens and the world economy are under stress, and uncertainty is heightened in all aspects of our lives. People are worried about their health, and that of family, friends, neighbors. Some have temporarily or permanently lost jobs or taken a hit to their income. Leaders of many companies are forced to make difficult decisions. Social distancing is impacting the human…

The CARES Act: help for individuals and small businesses

By in Financial Tips, General Education, News
5 years ago
5 years ago 0 976

  As we adjust to the effects of COVID-19 in our lives, stimulus package passed by Congress on March 27th may help individuals and small businesses. The Coronavirus Aid, Relief and Economic Security (CARES) Act, as well as previously announced tax filing relief, should help with business and personal cash flows and provide economic stimulus. In addition, prior action by the Federal Reserve to reduce interest rates and provide liquidity…

In or starting a small business? Explore the Paycheck Protection Program starting 4/3/20, and other programs

By in Financial Tips, General Education, News
5 years ago
5 years ago 0 785

To help businesses survive the coronavirus economy, the government is providing support. If are in or run a small business adversely affected by the coronavirus directly or indirectly, explore the recent CARES Act Paycheck Protection Program (PPP) forgivable loan, Disaster Loan (& grant) Assistance, or Employee Retention Credit program. The PPP started 4/3/20 for small businesses, and 4/10/20 for sole proprietorships and independent contractors. These programs expects high application volume,…

Financial help from your 401(k) – How the CARES Act helps retirement plan participants

By in News
5 years ago
5 years ago 0 1453

The Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law on March 27, 2020, and includes provisions to assist retirement plan participants impacted by the COVID-19 pandemic, through financial help.   The new law provides distribution and loan relief to participants if you have been diagnosed with coronavirus disease or if you have experienced adverse financial consequences due to the pandemic on account of being quarantined, furloughed, or…