I previously posted about a Bankrate financial security survey in 2017 which found that real estate was the Millennial Generation’s top investment preference over stocks and cash (https://www.cognizantwealth.com/2017/11/24/is-real-estate-best-for-building-wealth/). The post pointed out that real estate as an investment had actually underperformed stocks over many periods since 1900, suggesting that millennials’ expectations of the best long-term…
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The U.S. Senate Special Committee on Aging recently released their 2018 report on the top ten scams targeted to seniors as reported to their toll-free fraud hotline 1-855-303-9470. With today’s technology it is not only easy for criminals and cheats to reach millions of citizens but also easy to misrepresent themselves and their organizations. While…
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As a result of the passage of the Tax Cuts & Jobs Act in 2017, taxpayers (especially in California) may find themselves losing some of the deductions they used to get for charitable contributions on their 2018 taxes. Let’s use a simple example to explain this. Suppose you are married and have the following annual…
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Most 529 and 401(k) plans offer a pretty broad range of U.S. stock mutual funds. There are large cap funds, small cap funds, value and growth funds, actively managed vs. passively managed funds, and occasionally even industry sector funds. When it comes to bond funds, however, most plans limit you to just one fund that…
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Once again the capital markets are exhibiting a high degree of volatility. Yesterday the Dow fell 799 points, representing a 3.1% decline. The media attributes the loss to new uncertainty over the alleged trade “agreement” reached with China in Buenos Aires last week that had been touted so positively by Trump. Other political concerns in…
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Prior to the passage of the Bipartisan Budget Act of 2015, Social Security (SS) benefits were quite generous for married (and even for divorced) couples, particularly for those with dual incomes. Spouses were not only entitled to benefits based on their own earnings, but also based on their spouse’s earnings. And the rules allowed them…
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