“The market hates uncertainty” has been a common enough saying in recent years, but how logical is it? There are many different aspects to uncertainty, some that can be measured and some that cannot. Uncertainty is an unchangeable condition of existence. As...
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What is an “I” savings bond?
Instead of Bitcoin, how about an investment that is guaranteed, pays a relatively attractive interest rate and is free from state and local income tax? I Savings Bonds are issued by the United States Treasury Department. According to Treasury Direct, a government...
What is “Home Country Bias” in investing?
Every day we enjoy the benefits of an interconnected world. We might start our day with a cup of coffee that originated in South America, check our email on a smartphone designed in California and manufactured in Taiwan, then shower and change into clothes woven from...
What is Bitcoin, and is it a good investment?
The Wall Street Journal reported this morning that Bitcoin, the popular digital currency, reached a few hundred dollars shy of $10,000 yesterday. The year-to-date increase in the value of Bitcoin is 896%. While we rarely receive inquiries from our clients about...
How do the House and Senate tax reform proposals compare?
Last week we provided an overview of the House tax reform proposal. Later in the week the Senate released its version of the legislation. Below we add comments to our blog post last week and indicate the Senate’s proposal. We have highlighted the Senate version when...
What does the proposed tax bill mean for me?
There has been no comprehensive tax reform in the United States for over 30 years. The last time, Ronald Reagan was president. Dan Rostenkowski (Democrat from Illinois) chaired the House Ways and Means Committee, and Oregon Senator Bob Packwood chaired the Senate...
Does a Reverse Mortgage Still Make Sense?
A reverse mortgage is a loan against a home’s equity that requires no monthly payments, and is available to homeowners 62 and older. The loan proceeds can be taken as a lump sum, as monthly income for life, or as a line of credit. Interest on the borrowed money is...
The IRS has announced the 2018 retirement plan limits
The 2018 retirement plan limits have recently been announced by the IRS. These new limits are effective January 1, 2018. If you are an employee and a retirement plan participant, be sure to contact your employer as soon as possible if you wish to change your...
Medicare Part D and Open Enrollment
Fall Open Enrollment is the time of year when you can change your Medicare coverage. If you reenroll in a plan during open enrollment, your coverage starts January 1. In most cases, Fall Open Enrollment is the only time you can pick a new Medicare Advantage or...
How can I save for my children’s college education?
College. It is one of the biggest expenses that those who have children will face during their lives. Only home ownership and retirement present larger financial commitments for most Americans. The median price of a new home in the US was $300,200 in August of this...
Do my retirement accounts count when applying for college financial aid?
Many parents may not be familiar with the process for applying for, and qualifying for, financial aid for college. They may also not know which assets hurt their chances for receiving financial aid, and which do not. Understanding the process is especially relevant,...
Springwater’s Q3 2017 Market Commentary
Click here to read our third quarter market commentary.
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