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IRAs Beyond the Traditional and Roth

This popular retirement savings vehicle comes in several varieties. What don’t you know? Many Americans know about Roth and traditional IRAs, but there are other types of Individual Retirement Arrangements. Here’s a quick look at all the different types of IRAs: Traditional IRAs (occasionally called deductible IRAs) are the “original” IRAs. In most cases, contributions…

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How Should You Respond To Volatility?

How should you respond to volatility? When considering this question, you may want to think about the bigger picture before making any decisions. In 2017, Wall Street saw very little pronounced volatility. The absolute daily percentage change for the S&P 500 in 2017 was approximately 3%, the smallest seen since 1964. The market climate is…

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The Magic of Compounding

This is the factor that could really build wealth for young adults. Most wealth is built gradually. Sometimes it is built without any great financial sacrifice. You can cite one factor that promotes wealth building perhaps more than any other – the power of compounding. If you are decades away from retirement, you have a…

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Keep Calm, It’s Only A Correction

After 20 months of relative calm, this volatility needs to be taken in stride. correction Are you upset by what is happening on Wall Street? It may help to see this pullback within a big-picture context. Corrections have become so rare as of late that when one occurs, emotion threatens to influence investment decisions. February…

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Using Your IRA to Buy Real Estate

Is this unorthodox investment idea underappreciated?   You can invest your IRA assets in different ways. Should you invest a portion of those assets in real estate?    At first thought, putting real estate into an IRA may seem like an off-the-wall idea. It is one you might want to consider, but you must be…

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Money Management Wisdom

Take these financial lessons to heart.  You have a chance to manage your money better than previous generations have. Some crucial financial steps may help you do just that. Live below your means and refrain from living on margin. How much do you save per month? Generations ago, Americans routinely saved 10% or more of…

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Economic Update December 2017

  Contact us to learn more… Subscribe to be notified when a new article is posted. JST Investment Consulting does not provide tax or legal advice. The information presented here is not specific to any individual’s personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be…

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Has the Business Cycle Peaked?

As the recovery lengthens further, this is a natural question to ask.  This decade has brought a long economic rebound to many parts of America. As 2017 ebbs into 2018, some of the statistics regarding this comeback are truly impressive: *Payrolls have grown, month after month, for more than seven years. *The jobless rate is…

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Are You Fully Covered?

Take a moment to see if you are adequately protected. Not all home insurance policies are alike. Coverage amounts obviously vary, and so do coverage areas. Taking ten minutes to scrutinize what your policy does (and does not) cover is a wise idea. Tricia London with Alandale Insurance Co. in Los Alamitos states, “Insurance companies…

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