Would you like a response to a financial question? Send your question to Doug Horn, 115 W. Broadway, Maryville, TN 37801. Be sure to mark your envelope Money Matters. Doug Horn, CFP, is an area financial planner with more than 24 years financial experience and founder of Quality Financial Concepts, located in downtown Maryville.
Trading ranges and breakouts
Published 10/10/2011 at 12:00 a.m. 0 comments
The terms “trading range” and “breakout” are often used when referring to the investment markets. In fact, the major indexes are currently in a trading range. For the S&P 500, the range is approximately 1,100 to 1,225 and for the ...
Federal budget woes and their impact on investments
Published 10/3/2011 at 12:00 a.m. 0 comments
In the coming months as the “super committee” meets and works toward a recommendation, we may once again see increased volatility in the investment markets. It seems like this is the same song, only the second, no make that the ...
Managing the amount of taxable income annually
Published 9/26/2011 at 10:35 a.m. 0 comments
Every year most of us have to file our annual tax return and pay unto Caesar what is Caesar’s as the saying goes. While we each look for every valid deduction to make sure the amount of the net taxable ...
Sidestepping estate planning mistakes
Published 9/19/2011 at 12:00 a.m. 0 comments
In previous articles I have touched on making estate distributions easy. However, easy does not always mean fair. In conversations with most of my clients, their intent is often to split their estate equally among their children. Thus, the documents ...
Reverse mortgage as a retirement income option
Published 9/12/2011 at 12:00 a.m. 0 comments
You cannot go a day without seeing Robert Wagner, Fred Thompson, or some other spokesperson giving their pitch on reverse mortgages. By the way this product is presented, homeowners could draw the conclusion it is the greatest thing since sliced ...
Making final distributions easier to manage
Published 9/5/2011 at 12:00 a.m. 0 comments
For most of us our last act is one of generosity. We have gone through our life planning, saving, and consuming and in our final days, we make a gift to our loved ones. Through the use of a will ...
Avoiding running out of retirement income
Published 8/29/2011 at 12:00 a.m. 0 comments
With the investment markets behaving as they are, the likelihood of running out of retirement income may appear to be a real possibility. Throw in the murky future of the Social Security Administration and the huge future demands on its ...
Reminder: There is risk in reacting to headlines
Published 8/22/2011 at 12:00 a.m. 0 comments
Knee-jerk reactions to troubling headlines may cause investors to fall into the common pit of selling low after buying high. Lately, we have had a multitude of these headlines from civil wars, earthquakes, tsunamis, tornados, nuclear disasters, recession fears, debt ...
The roller coaster ride continues
Published 8/15/2011 at 10:30 a.m. 0 comments
I have always enjoyed roller coaster rides, but in part I think my enjoyment came from knowing when and where the ride will end. The past three weeks or so the financial markets have provided that same feeling in the ...
Panic is not an investment strategy
Published 8/8/2011 at 11:11 a.m. 0 comments
At the time I am writing this article the market recently closed down 512.76 points, or 4.3 percent with the upcoming jobs report, being the next indicator of how the market may move. Clearly, the decline was not reassuring and ...
The benefit of insurance
Published 8/1/2011 at 10:21 a.m. 0 comments
The cost to own a home is not just the mortgage payment. And for the business person, there are more costs to running a business than just the cost of its inventory. When budgets are stained due to less income ...
Coming down to a photo finish
Published 7/25/2011 at 11:11 a.m. 0 comments
If you are unfamiliar with the current tug-of-war going on in Congress, you must be “living under a rock” to borrow a line from the GEICO commercials. At the center of all the discussion is a very simple process, Congress ...
Investing and staying on course through the noise
Published 7/18/2011 at 10:19 a.m. 0 comments
Have you consider the impact of "headline risk?" Managing investments is not an easy task. Whether it is the professional or someone managing their own accounts, to do this job well requires patience, research, time, money, discipline and the occasional ...
Making the correct decision based upon the numbers
Published 7/11/2011 at 12:00 a.m. 0 comments
Managing investments and making financial decisions is hard enough without someone intentionally trying to confuse the issues. Here is one decision that should be made. For those of you who have a home mortgage with an interest rate 5 ½ ...
Managing the cost of healthcare
Published 7/4/2011 at 12:00 a.m. 0 comments
Of all the costs we incur in our lifetime, the cost of healthcare is one that is difficult to control. Often there is little time to shop for required healthcare. My wife recently needed to have her gallbladder removed, and ...
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