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| March 1, 2010 | The Informed Investor Newsletter |
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In This Issue
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by: Frank Armstrong, CFP®, AIFA® In the run up to the new millennium, the markets developed a severe case of irrational exuberance. The US was the sole remaining military and economic super power. No one could ever challenge us. We dominated world markets, and technology. Only dot.com and large US companies were worth investing in. Their prices relative to earnings PE ratios on the S&P 500 had reached nose bleed heights, while PEs for the dot.com companies existed on a parallel universe. Most dot.com companies never experienced a profit. No matter, huge losses expressed as "burn rate" were rewarded with gigantic valuations. This would be the American century. We were masters of the universe and nothing could go wrong. *This article was published in Morningstar Three Great Reasons for Account Consolidation
by: Jason Whitby, MBA, CFA, CFP®, AIFA® Longtime investors know that it is easy to accumulate different investments spread out across a number of different accounts held at a varied assortment of firms. Perhaps you still have your 401k from a former employer. Or you still have that Dividend Reinvestment Program account your grandparents funded on each of your birthdays. Perhaps you have a Wall Street friend who handles a few accounts. Maybe your spouse inherited a couple of investments from her parents. And perhaps you have CDs spread amongst a whole host of banks. Accounts just seem to accumulate and clutter up over time to the point you are no longer sure what you have, where they are or how they are performing. It can be an impossible task to stay on top of things. *This article was published in Morningstar "The IRS Helps PBGC Recipients Pay for Healthcare"
Here is a headline you don't expect to hear..."The IRS is helping certain individuals by paying up to 80% of their healthcare premiums in 2010". Most people have never heard of the Health Coverage Tax Credit (HCTC), but if you are between the ages of 55 and 65 and your pension was taken over by the Pension Benefit Guarantee Corporation (PBGC), you should. According to the IRS, more than 350,000 Americans are potentially eligible to benefit from this program, however, most people don't even know it exists. Reform Helps Credit Card Holders
How did something so obviously wrong take so long to correct? Recently established reform passed by lawmakers will protect credit card holders from dubious acts by banks. These reforms are also intended to make it easier for you to manage your account. Most of the law will go into effect 9 months after it was signed into law by the President in late May 2009, which makes February 2010 the deadline. These laws, which will be helpful to know, are only one step to removing you from under the thumb of excess credit card debt. It will be up to you and how you manage your budget and payments to do the rest. *This article was published in MorningstarThe Standard of Care for Investment Advice Many investors are confused about the differences between registered representatives and independent Registered Investment Advisors (RIAs) and the standard of care they think they deserve from each when managing their investment portfolios. TD Ameritrade did a great job explaining the difference, to read more click here.
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