Last year I wrote about a strategy involving 529 plans designed to maximize the financial aid a college student could receive (see https://www.cognizantwealth.com/2014/03/10/best-place-to-hold-your-529-plan/). To summarize the original strategy: if you split your savings into two 529 plans, 75% in one owned by the student’s parent and 25% in one owned by the student’s grandparent, you…
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This Thanksgiving (which is tomorrow as of this writing), when you find yourself leaning back from the table after having consumed a bountiful turkey repast, it’s only natural for your thoughts to turn to a historical event that kicked off one of the greatest real estate booms in American history. I’m referring of course to…
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Cliff Asness, co-founder of AQR Capital Management, recently stated on Bloomberg TV, “I used to think being great at investing long-term was about genius. Genius is still good, but more and more I think it’s about doing something reasonable, that makes sense, and then sticking to it with incredible fortitude through the tough times.” In…
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On November 2, 2015 President Obama signed the Bipartisan Budget Act of 2015. With the stroke of a pen he and Congress eliminated some lucrative Social Security (SS) benefits that had been on the books for well over a decade. Here’s a brief summary on what has changed and who can still take advantage of…
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I know this is a rather grim topic. But the fact is there are numerous risks we all face living in our society, and many people are reluctant to think about, let alone take action on, what’s needed to protect oneself. Here are the top ten causes of death in the U.S. in 2013, as…
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The year 2015 may or may not be remembered as the year that ended one of the longest U.S. stock bull markets in history, but for those of you holding individual stocks in your portfolio, it will probably bring to mind the thrashing that their prices have undergone. Volatility, of course, should be nothing new…
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