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Kataya Plett

Dave Ramsey’s Seven Baby Steps

Dave Ramsey’s Seven Baby Steps Submitted by Southwest Investment Advisors on March 15th, 2018   Dave Ramsey’s Seven Baby Steps Step #1 Emergency Fund Save $1,000 in an emergency fund ($500 if your annual income is under $20,000). Bad things happen to good people, so be ready.   Step #2 Debt Snowball […]

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Feelings Can Be Costly

Feelings Can Be Costly Submitted by Southwest Investment Advisors on March 7th, 2018 In volatile times, human nature can wreak havoc on the returns of investors. When investments under-perform for a short period, people tend to feel discouraged and uncertain, often deciding to take their losses or shift to a […]

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Bull Markets

Bull Markets Submitted by Southwest Investment Advisors on February 16th, 2018 27 Bull Markets this Century   What signals the beginning of a Bull Market?  When markets rise 19% above the market lows; that is the threshold from which advances have then risen 93% of the time to over +29%. […]

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College Savings Options

College Savings Options Submitted by Southwest Investment Advisors on February 16th, 2018   YEAR 2019 RULES   529 Plan   Coverdell Education Savings Accounts   UGMA/UTMA Federal Income Tax   Non-deductible contributions; withdrawn earnings excluded from income to extent of qualified higher education expenses   Non-deductible contributions; withdrawn earnings excluded […]

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February 2018

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February 2018 Submitted by Southwest Investment Advisors on February 6th, 2018 Last week the Dow Jones Industrial Average interrupted its strong run, and thus far is within the fluctuation realm when considered on a percentage basis.  The size of the numbers makes the decline seem far more dramatic than it […]

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January 18, 2018

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January 18, 2018 Submitted by Southwest Investment Advisors on January 18th, 2018 We hope this letter finds you well.  The transition from NPC to LPL has been a bit bumpy to say the least.  There were some technical glitches in moving everything over, which caused significant delay.  We are aware […]

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January 1, 2018

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January 1, 2018 Submitted by Southwest Investment Advisors on December 29th, 2017 Happy New Year!  2017 was an impressive year for investors both foreign and domestic. We are optimistic that 2018 will be prosperous as well.  Our economy is growing, unemployment is low, and we expect additional growth as wages […]

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Required Minimum Distributions (RMD)s Explained

Required Minimum Distributions (RMD)s Explained Uniform Distribution Table   Source: IRS, Publication 590-B Appendix B, Table III (2017)   RMDs   1.For calculation purposes, the new IRS Uniform Distribution Table assumes a life expectancy based on the owner’s age and an assumed beneficiary who is 10 years younger. It usually […]

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Rule of 72

Rule of 72 Submitted by Southwest Investment Advisors on November 18th, 2014 How long does it take to double your money? It depends on the growth rate. The Rule of 72 is a simple math formula to determine the number of years it would take for a sum of money […]

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Bond Ladder

Bond Ladder Submitted by Southwest Investment Advisors on November 18th, 2014 A Time-Tested Investment Strategy Geared For Increased Predictability, Control and Performance.     How A Bond Ladder Works   A bond ladder is a strategy for managing fixed-income investments, such as certificate of deposits (CDs, U.S. Treasury notes and […]

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