If you’ve been wondering where investor euphoria is, look no further than Bitcoin – about 13 million people around the world are cheering Bitcoin 10,000. Oh sure, US stocks are now in the second longest bull market on record (the longest was 1982-2000), but there seems to be a missing element to the current stampede: all-out excitement. Remember the late 1990s, when everyone was talking about stocks? It certainly doesn’t feel that way today. In fact, investors who call into my podcast and radio show seem to be more concerned about the downside, then the upside.

BlogMark TalercioNovember 29, 2017Bitcoin

Charitable Giving: 4 Smart Steps

As Republicans negotiate changes to the tax code, one area is set to remain the same: charitable giving. That said, because both the House and Senate proposals nearly double the Standard Deduction, fewer taxpayers will be itemizing, which means they will be giving for the sake of giving, not to reduce their tax bills.

BlogMark TalercioNovember 26, 2017charity, Charity Navigator, donate, donations, Giving Tuesday, 401k, Roth, IRA, retire, retirement, finance, invest, investing, investment, money, cash, debt, podcast, CFP, Betterment, fiduciary, Schlesinger, JillSchlesinger, mortgage, credit, 529plan, 529, financial aid, financialaid, stocks, WSJ, WallStreet, WallSt, career, network, networking, savings, annuity, annuities, personalfinance, personal finance, Vanguard, studentloan, student loan, FAFSA, Equifax, college, CBS, CBS News, CBSNews

All I Want for Christmas is a Bitcoin

Investors will resume trading after the Thanksgiving weekend, but all eyes will be on the outcome of Cyber Monday. Last year, it was the largest online sales day in history- shoppers spent a record $3.39 billion online, edging out the Black Friday online sales. This year, Cyber Monday sales are set to grow by 16.5 percent from a year ago, according to Adobe Digital.

BlogMark TalercioNovember 23, 2017Bitcoin, cryptocurrencies, 401k, Roth, IRA, retire, retirement, finance, invest, investing, investment, money, cash, debt, podcast, CFP, Betterment, fiduciary, Schlesinger, JillSchlesinger, mortgage, credit, 529plan, 529, financial aid, financialaid, stocks, WSJ, WallStreet, WallSt, career, network, networking, savings, annuity, annuities, personalfinance, personal finance, Vanguard, studentloan, student loan, FAFSA, Equifax, college, CBS, CBS News, CBSNews

Digital Set to Power 2017 Holiday Sales

Analysts say that the stable economy, an improving labor market and a longer holiday shopping season — one extra weekend day this year — are expected to boost holiday sales by about four percent from a year ago. [In case you missed it, check out my Evening News piece about how brick and mortar retailers are embracing a new concept, “Retail-tainment” to bring in holiday shoppers.]

BlogMark TalercioNovember 19, 2017Black Friday, retail, shopping, Thanksgiving, 401k, Roth, IRA, retire, retirement, finance, invest, investing, investment, money, cash, debt, podcast, CFP, Betterment, fiduciary, Schlesinger, JillSchlesinger, mortgage, credit, 529plan, 529, financial aid, financialaid, stocks, WSJ, WallStreet, WallSt, career, network, networking, savings, annuity, annuities, personalfinance, personal finance, Vanguard, studentloan, student loan, FAFSA, Equifax, college, CBS, CBS News, CBSNews

Long Term Care: Beware the Elder Care Attorney

Long-term care is a tricky issue that is likely to impact a majority of Americans. According to the government, 70 percent of people turning age 65 can expect to use some form of long-term care during their lives. Although most of the care comes from unpaid caregivers (generally family members or friends), those who require more care are finding that the cost is rising.

BlogMark TalercioNovember 12, 2017insurance, long term care, LTC, elderly, 401k, Roth, IRA, retire, retirement, finance, invest, investing, investment, money, cash, debt, podcast, CFP, Betterment, fiduciary, Schlesinger, JillSchlesinger, mortgage, credit, 529plan, 529, financial aid, financialaid, stocks, WSJ, WallStreet, WallSt, career, network, networking, savings, annuity, annuities, personalfinance, personal finance, Vanguard, studentloan, student loan, FAFSA, Equifax, college, CBS, CBS News, CBSNews

How Long Can Bull Market Last…and Who Cares?

Last week, investors yawned as the bull market continued to roar. US stocks closed at new all-time highs–on the same day–for the 27th time in 2017. For the Dow it was the 59th closing high this year, the 53rd for the S&P 500, and the 64th for the NASDAQ.

BlogMark TalercioNovember 11, 2017wall street, bull market, finance, invest, investing

Republican Tax Plan Cheat Sheet

At long last, the House Republican tax plan (the “Tax Cuts and Jobs Act”) is out and it is a huge and confusing bill. Contrary to promises of simplifying the tax code, it is just as dense and complicated as the current system. Winners and losers will be determined on a case-by-case basis, depending on where you live, whether you itemize deductions and how you earn your money.

BlogMark TalercioNovember 4, 2017tax, taxes, tax plan, GOP tax reform, GOP Tax Plan

Why the Fed Matters

Now that President Trump has named Jerome (“Jay”) Powell as the next Federal Reserve Chairman, to succeed Janet Yellen, you may experience one of those, “Why do I care about this?” moments.

BlogMark TalercioNovember 2, 2017Fed, Trump, Yellen, interest rate, interest rates, 401k, Roth, IRA, retire, retirement, finance, invest, investing, investment, money, cash, debt, podcast, CFP, Betterment, fiduciary, Schlesinger, JillSchlesinger, mortgage, credit, 529plan, 529, financial aid, financialaid, stocks, WSJ, WallStreet, WallSt, career, network, networking, savings, annuity, annuities, personalfinance, personal finance, Vanguard, studentloan, student loan, FAFSA, Equifax, college, CBS, CBS News, CBSNews

Trump to Unveil Tax Plan and Fed Chair

President Trump and Congressional Republicans are about to unveil two, potentially market-moving measures: a tax overhaul plan and a new Federal Reserve Chair. As if those were not enough, those events will occur amid a Federal Reserve Open Market Committee meeting, a monthly jobs report and stock markets soaring to new highs.

BlogMark TalercioOctober 29, 2017Trump, Yellen, Fed, Federal Reserve, Powell, 401k, Roth, IRA, retire, retirement, finance, invest, investing, investment, money, cash, debt, podcast, CFP, Betterment, fiduciary, Schlesinger, JillSchlesinger, mortgage, credit, 529plan, 529, financial aid, financialaid, stocks, WSJ, WallStreet, WallSt, career, network, networking, savings, annuity, annuities, personalfinance, personal finance, Vanguard, studentloan, student loan, FAFSA, Equifax, college, CBS, CBS News, CBSNews

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