Our Weekend Word


You gotta love the names the media comes up with for things anymore. This one reminds me of some kind of breakfast casserole. Back to the point, I’m sure some of you have seen this word popping up on the news. What “Brexit” refers to is that on June 23rd the U.K. will vote on whether or not to stay in the European Union (get it; Britain, exit). U.K. residents cite many reasons for wanting the split, namely trade regulation, control over immigration, and individual sovereignty.

Sell in May and Go Away

Now that May is here and my seasonal allergies are in full bloom with the flowers, those of you who frequent investment reading surely see articles mentioning the fabled “Sell in May and Go Away” adage.

Topic 701

Most people know about some of the tax breaks you get for buying/owning a home but most don’t know about “Topic 701”.  IRS Topic 701 basically states that you may exclude up to $250,000 of capital gains from the sale of your house if you’re single, and that number goes up to $500,000 for a married couple.

To The Graduates-to-Be

Spring is in the air and college graduation season is set to kick off in May. I know that not many of you getting this are in this age band, but this is a good one to send to a family member or friend who is. First off, Congratulations! Your hard work has paid off and you’ve achieved higher education, but life may follow an unfamiliar path from this point on.

No News is Good News

We have spent the first few months of this newsletter focusing on market centric pieces but as things have stabilized and the elections heat up timely pieces become harder to come by.  This is where the age old adage “No news is good news” rings true.

As per the US economic score card for March:

Use it, or Lose it!

Tax deductions and employer matches for retirement plans are like that perfect shot you get when you’re hunting. Once the right time passes by there’s no way to get it back.

Letting these powerful savings tools go unused could be leaving some serious money on the table.

To Roth, or not to Roth?

To Roth, or not to Roth? That is the question. And an extremely common one from new retirement savers at that. As with most planning questions the answer to whether someone should have a Roth IRA depends on an individual’s set of unique circumstances and which IRS stable they’re herded into that decides what they’re allowed to do and when.

Volley for Serve

By nature, we tend to have short term memories.  With the housing bubble slowly fading out in the rearview mirror, investors have had calmer seas allowing for stomachs to settle.  But with the end of last year and the start to this one investors feel 2008 creeping up on them.

The market is fickle and changes just as investors start to get comfortable again. 


What in the world is happening with oil?

The World According to NIRP

Last year the Fed raised the federal funds rate for the first time since 2006.  While the raise was a measly 0.25%, it was a long overdue indicator of what seems to be a stable economy.  The rest of the world is in a different situation though.  Last month we saw the Japan join Sweden, Switzerland and Denmark in adopting a Negative Interest Rate Policy or NIRP in hope of jumpstarting their struggling economies.