Thoughtful Investor Newsletter

The Thoughtful Investor - Legacy Investment Strategies

Third Quarter 2018 - Articles Include:

  • * Be Ready When You Step Out Into Retirement
  • * Wire Fraud is Becoming Increasingly Common, Particularly in Real Estate Transactions
  • * Is Risk Amnesia Setting In?
  • * Money Can Have an Outsized Impact on Your Health
  • * Five Easy Ways to Give Away Your Money

Second Quarter 2018 - Articles Include:

  • * Slicing and Dicing the Financial Markets
  • * Cycles and the Financial Markets
  • * Looking Forward to Driverless Cars
  • * Build Flexibility into Your Financial Life
  • * 2017 Tax Reform Has Made It Essential to Review Estate Plans and Wills

First Quarter 2018 - Articles Include:

  • * The U.S. Stock Market is in New Territory
  • * Floods, Fires and the Need to Prepare for Disaster
  • * Welcome to the Prediction Games
  • * Medicare Primer for Individuals Nearing Retirement

Fourth Quarter 2017 - Articles Include:

  • * Eclipses and Financial Markets
  • * It's Time to Start Thinking About Taxes
  • * The Tyranny of Numbers
  • * Fighting the Grumpies
  • * Hey, Millennials, Are You Eating Too Many Avocados?

Third Quarter 2017 - Articles Include:

  • * The Good News
  • * The Common Yardstick of Investment Success Has Its Flaws
  • * The $5 Trillion Pension Problem
  • * Combatting Financial Exploitation of Seniors
  • * The Fiduciary Standard and Its Impact on Investors

Second Quarter 2017 - Articles Include:

  • * An Updated Look at an Old Fallacy
  • * The Pluses and Perils of a Longer Life
  • * Lessons from the Movie "The Big Short"
  • * The Number One Source of Identity Theft is Your Wallet
  • * Checking the Facts

First Quarter 2017 - Articles Include:

  • * In Anticipation of Higher Interest Rates
  • * Combining Active and Fundamental Investing - Or Why We Invest the Way We Do
  • * Trend or Noise
  • * Little Has Changed in Retirement Account Contribution Limits
  • * The Improbable Success of Seasonality Trading

Fourth Quarter 2016 - Articles Include:

  • * Are Minimal Returns in the Future for Equities?
  • * Passing on Assets Without a Will
  • * Metaphors of Investing
  • * Outliving the Doomsayers ...the One Constant is Change

Third Quarter 2016 - Articles Include:

  • * Waiting for the Recession
  • * Missing the Good Old Days of 2000
  • * Financial Tool #1 - The Budget
  • * Age is a Matter of Perception
  • * A Mind is a Hard Thing to Change

Second Quarter 2016 - Articles Include:

  • * Living With Your Investments in Volatile Markets
  • * Debts Can Live on After You
  • * Fully Fund Your Retirement Accounts for 2015 and 2016
  • * Not on My Watch - Keeping a Great Depression at Bay
  • * A Word to Young Investors

First Quarter 2016 - Articles Include:

  • * Anticipating the Market Cycle’s “Standard, Run-of-the-Mill” Outcome
  • * Managing Risk on the Home Front
  • * Optimize Retirement Income Through Planning
  • * Avoiding the Smart People/Dumb Decision Quandary
  • * The IRS is NOT Calling

Fourth Quarter 2015 - Articles Include:

  • * We beg to differ…
  • * Settle Back for an Interesting Ride
  • * Planning for the Retirement Smile
  • * The 401(k) - When You Retire or Leave Your Employer
  • * Financial Tips and Insights

Third Quarter 2015 - Articles Include:

  • * Active Investment Strategies Help Real People
  • * The Over-65 Crowd Returns to the Workforce
  • * Financial Advice for the Kids - Get Married
  • * Which Numbers Really Matter?
  • * The Best Financial Advice

Second Quarter 2015 - Articles Include:

  • * Yes, You Can Retire a Multi-Millionaire
  • * Is Your Information for Sale?
  • * Are You an Optimist or a Realist?
  • * Understanding the Greeks - Beta, Alpha, Smart Beta and Now Gamma
  • * Winning in the Not-So-Efficient Market

First Quarter 2015 - Articles Include:

  • * A New Year's To Do List
  • * The Population Puzzle
  • * Be Kind to Your Beneficiaries
  • * Determine Your Net Worth
  • * Ten Ways to Save More This Year

Fourth Quarter 2014 - Articles Include:

  • * Finding the Market's Bottom
  • * The New Retirement Worry: Outliving Our Brains
  • * The $55 Billion Dilemma
  • * One of Those Facts That Isn't
  • * What to Do If You Inherit an IRA

Third Quarter 2014 - Articles Include:

  • * Turn Off the Market Reports
  • * An Inequality You Create
  • * Time to Talk About a Little Matter of Money
  • * Taxes Need to be a Part of Your Investment Plan
  • * Fear is Not an Effective Motivator...Time to Rethink

Second Quarter 2014 - Articles Include:

  • * Why Don't Forecasters Get it Right?
  • * Fallacy of Average Annual Returns
  • * Three Basic Steps to Become Rich (er)
  • * Managing the Tax Bite with a Roth IRA
  • * Predators at the Mailbox
  • * Safeguarding Your Credit and Investments

First Quarter 2014 - Articles Include:

  • * Market Outlook for 2014
  • * What if You Are Wrong?
  • * What is Your Real Risk Tolerance?
  • * Fund Your Retirement Plans
  • * Rethinking Retirement for Greater Financial Security
  • * Protect Your Wealth

Fourth Quarter 2013 - Articles Include:

  • * Bad News Five-Year Anniversary
  • * What To Do If You Receive a Windfall
  • * Set Email Alerts on Your Accounts
  • * Put Negative Thinking to Work
  • * Titling and Ownership of Retirement and Education Accounts

Third Quarter 2013 - Articles Include:

  • * Powerball is Not a Retirement Plan and Other Paths to Financial Security
  • * Impact of Interest Rates on Bond Values
  • * Discretionary versus Non-Discretionary Management
  • * Ownership Forms and Their Impact
  • * It Really Is Different this Time

Second Quarter 2013 - Articles Include:

  • * Unmanaged Index Funds Are Not Low-Risk Investments
  • * Contrarian Indicators Can Signal Market Turning Points
  • * What to Do About Longevity
  • * Identity Theft is Alive and Thriving?
  • * 401(k)s Eligible for 2013 Roth Conversions
  • * Charitable Contributions from IRAs Continue in 2013

First Quarter 2013 - Articles Include:

  • * Be Wary of Too Conservative of an Investment Approach
  • * What is in Your "To Go" File?
  • * The Human Factor Adds Uncertainty to Economic Planning
  • * Making Better Decisions Requires Accepting Change
  • * Maximize Retirement Plan Contributions
  • * Time for an Annual Check of Your Credit Report

Fourth Quarter 2012 - Articles Include:

  • * Money Velocity Goes Missing
  • * A "To Do"List Before 2012 Ends
  • * Don't Worry, Be Happy
  • * Credit Card versus Debit Card
  • * Take Advantage of Roth IRA Benefits
  • * Can Spending Money Create Money?
  • * Have There Been Changes in Your Life?

Third Quarter 2012 - Articles Include:

  • * How Is It Possible to Lose $2 billion? Start by Overlooking Risk
  • * The Bush Tax Cuts Expire, Again...
  • * Flexibility is Essential in Retirement
  • * Not Talking to Your Spouse Can Cost You
  • * Those Pesky Online Passwords

Second Quarter 2012 - Articles Include:

  • * The High Cost of Low Interest Rates
  • * This is Not Your Grandparents’ Retirement
  • * The Wind Power Price
  • * New Disclosure Requirements will Change Investment Reporting
  • * The Outlook for Bonds is Murky at Best

First Quarter 2012 - Articles Include:

  • * New Year’s Resolution – Put Your Financial House in Order
  • * Cycles and the Economy
  • * Will 2012 Follow the Presidential Cycle?
  • * Inflation Could Well Be On Its Way for Europe
  • * What I Wish I Knew
  • * Increased Limits for Retirement Plans

Fourth Quarter 2011 - Articles Include:

* Can You Trust the Experts?
* Debt Can Limit Retirement
* Something Has to Change - a look at government debt accumulated per U.S. household
* The Problem with Correlation
* The More Things Change the More They Stay the Same
* Be Careful Where Your Parents Die

Third Quarter 2011 - Articles Include:

* Fat Tails, Black Swans and Your Portfolio
* In a Year of Disasters, Be Prepared
* Disaster Preparation Includes Home Insurance
* How to Live Like a Millionaire
* Maximize Your FDIC Insurance
* Gasoline Consumption is at 2001 Levels

Second Quarter 2011 - Articles Include:

* Will You Run Out of Money?
* The #1 Retirement Fear
* Do You Need Life Insurance?
* Bonds Require Active Management

First Quarter 2011 - Articles Include:

* Time to Add Inflation to Your Financial Plan
* Resolve to Plan
* Use First Time Jobs to Fund a Roth IRA for Your Teen
* Minimum Distribution Requirements are Back
* Bubbles and the Investor

Fourth Quarter 2010 - Articles Include:

* Living with Uncertainty
* Time Out for the Good News
* When Averages Don’t Add Up
* Saving With Reduced Pain
* Will 2011 Bring the Largest Tax Hikes in History?
* Putting Unemployment to Work

Third Quarter 2010 - Articles Include:

* Two Keys to Portfolio Growth
* A Look at VIX, the Market Canary
* Will the U.S. Be Another Greece?
* Investment Strategies that Avoid Triggering Tax Consequences
* Should You Buy the Market Because It is on Sale?
* The Coming Tradeoff between Dividends and Appreciation

Second Quarter 2010 - Articles Include:

*Winning by Not Losing
*Estate Tax Consequences Still Exist
*The Search for Stable Income Investment Options
*Another Look at the Numbers
*Learn to Detect On-Site ATM Scams
*What’s Different Today?

First Quarter 2010 - Articles Include:

*Benefits of Active Management Acknowledged
*Request Annual Free Credit Report
*Investing in Gold … Taxes and Other Cautions
*Weigh Your Retirement Options and Plan
*With Federal Reserve Rates Near 0%, What’s Happening to Your Credit Card?
*Watch Out for this Advice!
*2010 Window Opens for Roth IRA Conversions

Fourth Quarter 2009 - Articles Include:

*These are Interesting Times
*Your Most Important Investment
*Pay No More Taxes than Necessary
*Can You Trust the Caller?
*Paying for a College Education
*Investigating Business Associates Has Never Been Easier

Third Quarter 2009 - Articles Include:

*Our Take on "Is It Safe to Invest in Stocks Again?"
*Forecasting is an Uncertain Art
*Save the Economy or Your Future?
*"Teach Your Children Well"
*Coping with a Variable Annuity that's Under Water

Second Quarter 2009 - Articles Include:

*Time for a Reality Check
*Wealth Distribution on Your Terms
*Spotlight on Fraud
*2009 Distributions NOT Required
*Questions to Ask Before You Take Early Social Security
*The Fallacy of Index Funds and Fees
*Medical Identity Theft Rising

First Quarter 2009 - Articles Include:

*Is It Over Yet?
*Planning for Higher Tax Rates
*Protect Your Assets
*Adding Perspective to "Missing the Best"
*Make Dollar Cost Averaging Work for You
*Avoid Paying Medical Debt with a Credit Card