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May 2018

May 2018 Submitted by Southwest Investment Advisors on May 14th, 2018 The markets have lifted out of correction territory and seem to be back on the rise. We won’t be out of the woods until we break above the all-time highs of January. A bear market is always a possibility but it seems unlikely with […]

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March 2018

March 2018 Submitted by Southwest Investment Advisors on March 28th, 2018 If you have been watching the news you may think the world is coming to an end. Is everything spinning out of control: Deficit budgets, trade wars, China, Russia, Iran, North Korea? Also, it doesn’t help that the numbers are so large. We see […]

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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 Debt is your enemy. Pay […]

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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 style that seems to be […]

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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%. One-half have risen over 80%, […]

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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RULES   529 Plan   Coverdell Education Savings Accounts   UGMA/UTMA Federal Income Tax   Non-deductible contributions; withdrawn earnings excluded from income to extent of qualified higher education expenses   Non-deductible contributions; withdrawn earnings excluded from income to extent of […]

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February 2018

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 really is.  Many of the […]

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January 18, 2018

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 that, for some accounts, all […]

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January 1, 2018

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 and Gross Domestic Product (GDP) […]

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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 doesn’t matter if there is a […]

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