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Jay Hutchins

Recent Posts

Why Diversified Portfolios Should Be Invested Abroad

Posted by Jay Hutchins on Oct 10, 2022 9:00:00 AM

If you want to see global economic history in a single colorful graph, keep reading. The following was produced by The Atlantic magazine and it shows the share of global GDP for various countries from the year 1 AD to 2008 AD.

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Topics: wealth, retirement, social security, saving, live longer, money

In The Moment

Posted by Jay Hutchins on Mar 11, 2022 1:43:33 PM

It’s natural to react to market, economic, and geo-political turmoil in the moment. This is a common mistake to make.

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QCDs Explained

Posted by Jay Hutchins on Dec 23, 2021 11:33:38 AM

When the 2917 Tax Cuts and Jobs Act raised the standard deduction for taxpayers to $24,000 for couples ($12,000 for singles), and lowered individual tax rates, an unintended consequence was to reduce the tax benefits of making charitable donations. Fewer taxpayers were itemizing, which means their donations didn’t count as deductions. Itemizing taxpayers – including people who intentionally raised their level of giving in order to cross the standard deduction threshold – found that the lower brackets reduced their tax benefits.

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Will Social Security Go Bust?

Posted by Jay Hutchins on Nov 30, 2021 1:26:17 PM

You may have read that the Social Security Trust Fund is due to be depleted in 2033, a year earlier than previous projections. This sounds alarming, except for several caveats.

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Dividend Scarcity

Posted by Jay Hutchins on Oct 29, 2021 8:37:06 AM

If you look at finance magazines and websites you’ll see headlines such as, “10 Dividend Growth Stocks You Can Count On” (Kiplinger), or “20 Dividend Growth Stocks Blasting Off” (Forbes). There’s an annual “Dividend Aristocrats” list of 65 companies, and occasional articles telling retirees that they should buy stocks so they can live off of the dividend checks.

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Risk & Reward

Posted by Jay Hutchins on Aug 30, 2021 3:22:41 PM

Ah, the heady times when markets just keep rising as if to the moon. It is exhilarating, isn’t it?

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Bitcoin "Investments"

Posted by Jay Hutchins on Jun 22, 2021 10:22:54 AM

There’s a lot of buzz in the investment world about Bitcoin—and cryptocurrencies in general. Is it an investment? A real medium of exchange? Some of this interest undoubtedly comes from the fact that, in 2009, Bitcoins were selling for eight cents a coin. At the peak earlier this year, one of those coins was trading at $65,000.

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Topics: investing, bitcoin

The Many Benefits of Reading

Posted by Jay Hutchins on May 18, 2021 10:09:09 AM

These days it seems like reading is becoming a thing of the past, what with podcasts, TED Talks, and YouTube videos becoming more popular vectors of information and entertainment. But a growing body of scientific literature suggests that reading actual books may be more important than we realize for enhancing certain parts of our brains and delaying the onset of dementia.

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Where to look for inflation

Posted by Jay Hutchins on Mar 9, 2021 1:59:04 PM

Conventional economics tells us something that would seem to be obvious: when the government creates more money, there is more money available to buy things, and therefore the prices of things rise—and we get inflation. For some reason, this logical sequence of events seems not to be happening today. The amount of money in the U.S. economy is 25% higher than it was at the start of 2020—the fastest pace of growth since the U.S. Federal Reserve banking system was established in 1913. You can see from the chart that we have experienced steady growth of the money supply until around 2009, when the slope increased (remember the Great Recession?), and then in early 2020 the growth of dollars in the system made another dramatic shift upwards.

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Most (and least) Expensive States

Posted by Jay Hutchins on Jan 26, 2021 10:55:48 AM

If you could live in any U.S. state, which one would let you keep more of your money than others? The answer turns out to be surprisingly complicated…

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