Dollars & Sense Blog

A Convergent Wealth Advisors Blog

October 29, 2014
Investor: Is it time to get out of the Market? Advisor: No. Investor: Why not? Bad news is all around us and the current environment is deteriorating . . . rapidly! Advisor: Other than stock prices, what has changed in the last six weeks? Investor: Everything has gotten worse, it seems. Advisor:... read more
October 22, 2014
The Future?   Since Bitcoin is open source, much like the internet, additional layers and functionality can be added on, opening the door to other decentralized applications that do not require intermediaries. For example, Bitcoin can aid in the development of microloans and micropayments,... read more
October 16, 2014
The media has brought the term “bitcoin” to our attention. While negative headlines may prevent bitcoin from being initially accepted as currency, the technology behind bitcoin may have sweeping implications for industries from retail businesses to financial services.    What is “bitcoin?”  ... read more
October 10, 2014
Stocks lost ground in September, as they frequently do—the month is historically the poorest in terms of performance. Non-U.S. equities were hit particularly hard, especially in dollar terms, with the MSCI EAFE index of international stocks falling 3.8%, nearly triple the domestic S&P 500's... read more
September 23, 2014
First question: did you convert your traditional IRA to a Roth IRA last year (e.g., 2013)? If the answer to this question is "no," you can stop here, but if the answer is "yes," this blog may provide some insight for you. Second question: did the aforementioned IRA decrease in value from the time... read more
September 17, 2014
There’s never a bad time for reconsidering risks inherent in the capital markets—investing is, after all, different from saving for a reason. Perhaps there is no better occasion than with the S&P 500 trading at record highs and having recently pierced the 2,000 level.  As is typically the case... read more
August 13, 2014
The dog days of summer are leaving investors hot under the collar lately, with volatility and fear creeping back into the markets after a very long vacation. July ended poorly for stocks (the DJIA posted its worst one-day drop since February), snapping a string of five consecutive monthly gains.... read more
July 30, 2014
Co-authored by Doug Wolford On July 22, 2014, two different courts came to opposite conclusions on whether premium tax credits (i.e., subsidies) are available to consumers who purchase health insurance coverage on the federal exchange. At issue in both cases was the interpretation of Internal... read more
July 10, 2014
It has been five years since the recession ended, and the economic recovery is still trying to find its footing. The first quarter’s revised GDP report was shockingly dismal, yet it only punctuates what, by many measures, has been one of the weakest recoveries in modern history. Since the current... read more
June 11, 2014
Another month, another record high for U.S. large cap stocks. One could get used to this sort of thing, as the bull market that began five years ago continues in full swing with nary a hiccup. However, some worry that complacency might be setting in. Is a lack of volatility something to be worried... read more
May 15, 2014
It appears spring has sprung—at least for the economy. After a chilly start to the year (both in the economy and stock markets), recent economic data are turning mostly positive. Many believe the dismal first quarter GDP report, which showed U.S. growth stalling, can be largely attributed to a... read more
April 23, 2014
What if you spent a lot of time, effort, and money on carefully drafting your estate plan, only to realize that you forgot to incorporate a significant portion of your assets? With more and more personal details maintained within social media, what happens to these “digital assets” and accounts... read more

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