When you hear the word “risk” in association with your money and investing, what do you feel? Are you excited about the opportunity for high returns or feel the thrill of investing? Or do you worry that you’ll lose a portion of your nest egg—or everything? Do you think risk is naturally par for the…

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We’ve all heard the old adage, “Money doesn’t grow on trees.” It was likely said to you often, possibly when you asked for a new pair of sneakers or when your weekly allowance was handed over—if you got one. But beyond that, how thorough was your financial education when you were growing up? At what…

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What Is Blockchain Technology? Blockchain is a digital ledger on which cryptocurrency transactions are distributed across a network of computers using information encrypted by cryptography. Blockchain is open-source distributed ledger technology (DLT) that decentralizes financial transactions. Transactions can be for either tangible (house, car, goods, etc.) or intangible (intellectual property – e.g., copyrights, patents, etc.).…

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What Is Cryptocurrency? We’ve all heard of bitcoin, but what IS it? Bitcoin is the most well-known and highest-valued—and first—cryptocurrency. Cryptocurrency is decentralized digital currency that can be used to purchase goods and services or be traded or sold for a profit (or loss). A digital currency only exists electronically, meaning there is no physical…

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Joe Biden and Kamala Harris winning the 2020 election could have both a direct and indirect effect on your finances. One of the direct financial changes that may take effect following Joe Biden’s presidency are changes to the tax code. Biden’s tax plan is to raise taxes on those with higher income.     Listed…

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7 Strategies to Cut Your Tax Bill

Here are 7 strategies you can use besides deductions and credits to cut your tax bill: Tweaking your W-4 to increase your withholding if you have a huge tax bill. Decrease your withholding if you received a huge refund. Putting Money directly from your paycheck into a 401(k). This prevents the IRS from taxing whatever…

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red and blue masks ballots

This week on the podcast we talked about how to prepare your investment portfolio for the 2020 Election Season! Here are the 4 Steps to Success that we outlined throughout the week. Step 1: Use Diversification and Non-Correlating Assets A diversified portfolio is the concept of investing in a wide variety of assets to reduce…

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boss-handing-document-to-employee

Have you recently been offered a package from your company asking you to leave or retire? There are many companies doing this to employees to save money. Often people accept them without figuring out if it is a good decision or not. Below, are three options that you can do with your 401k!

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You have investing and retirement questions. We have answers. Now you can enjoy Protect Your Assets and financial advice 24/7 hands-free on your smart speaker or smartphone! Protect Your Assets is a new voice app available on Alexa and Google Assistant. You can talk to David Hollander, “The Sandman” and access our podcast and most requested…

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Remember the 2008/2009 GFC (Great Financial Crisis)? Who can forget. But remember this, too: we survived it. During periods of crisis, it’s normal to see tremendous volatility. Consider this: during 2008 the low was down almost 40% and at the top of 2009, you had the market up almost 80%. Within less than a two-year…

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