Robert’s Recent Posts

How Do I Determine the Value of My Mineral Rights?

How Do I Determine the Value of My Mineral Rights?

The term “mineral rights” means the entitlement to use and profit from any minerals underneath a specific property. Mineral rights may be distinct from surface rights (the right to the surface of the land) and may have a different owner. Minerals may include:

Oct 16, 2022

Is Real Estate an Inflation Hedge?

Is Real Estate an Inflation Hedge?

Inflation can destroy the value of an asset that doesn’t increase as inflation increases. This is especially true in depreciating assets such as cars, bicycles, and boats. The asset needs to have some underlying feature that allows it to increase when inflation increases. When that happens, the asset acts like a hedge, offsetting the value-decreasing effects of inflation.

Oct 12, 2022

Does Sale of Rental Property Go on Form 4797?

Does Sale of Rental Property Go on Form 4797?

Owning rental property can be a great way to earn income, but sometimes investors need or want to sell a property for various reasons. Potential motivators include simplifying your portfolio (or changing the focus), preparing for retirement, and estate planning. Sometimes an investor may need liquid assets for another purpose. Whatever the reason, buying and selling property is an essential aspect of real estate ownership.

Oct 7, 2022

How Can I Diversify My Retirement Portfolio?

How Can I Diversify My Retirement Portfolio?

Planning for retirement is a necessary, if potentially intimidating, part of being financially savvy. Retirement preparedness varies widely among people, depending on their age, education level, and gender. Still, some recent research indicates that the status of aging Americans isn't as dire as previously thought. An interesting piece from the RAND Corporation looked at retirement readiness by taking into account expected consumption patterns rather than strictly considering income replacement and found that 71 percent of Americans aged 66 to 69 are prepared. The study did note a high disparity in preparation between married and single individuals and a distinction according to educational level.1

Oct 3, 2022

What Is A 75/25 Asset Allocation?

What Is A 75/25 Asset Allocation?

Investment portfolios aren’t just put together from bits and pieces of income-producing assets. Depending on an investor’s goals or objectives, these portfolios are based on asset allocations. Asset allocation describes the process an investor uses to divide capital among different asset classes such as stocks, bonds, and alternative assets. Asset allocation can be useful in diversifying risk and exposure to various investments. 

Sep 28, 2022

Do I Need a Financial Planner After I Retire?

Do I Need a Financial Planner After I Retire?

We’ve written a great deal about financial planning, especially regarding retirement. Many financial planners are dedicated to retirement strategies, helping you save money and accumulate assets so you can enjoy a comfortable lifestyle after receiving that final paycheck. 

Sep 24, 2022

What is a Realistic Rate of Return in Retirement?

What is a Realistic Rate of Return in Retirement?

The answer depends on several factors, including which assets you’re invested in and your risk profile. We’ll look at a number of risk assets to get an idea about what a realistic rate of return can be in retirement while also factoring in risk profiles.

Sep 19, 2022

Do You Pay State Taxes on Capital Gains?

Do You Pay State Taxes on Capital Gains?

Capital gains represent the difference between what investors pay for an asset (plus certain adjustments) and what they sell it for. Capital assets include real estate, stocks, bonds, collectibles, jewelry, antiques, and other items that can increase in value over time. If you don't sell the asset, any increase in its value is an unrealized gain, and won't be taxed, no matter how much the increase is.

Sep 15, 2022

Where Are Opportunity Zones?

Where Are Opportunity Zones?

Qualified Opportunity Zones (QOZs) are tracts of land in distressed communities where investors can buy properties that qualify for tax benefits. QOZs were introduced in 2017 as part of the Tax Cuts and Jobs Act. QOZ designations began as early as 2018 and have become an excellent tool for investors looking to improve underdeveloped areas.

Sep 12, 2022

The Pros and Cons of REITs

The Pros and Cons of REITs

For those who want to invest in real estate but don’t want to go full-time into property management or deal with tenants, REITs might be the answer. While different from direct real estate investing, REITs provide real estate exposure without all of the property management hassles.

Aug 25, 2022

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