Do you know what all those emojis you keep seeing in your text messages mean? Here’s a handy guide.
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Mastering Mobile Lingo
Your ideal #retirement may differ from reality, but we can work together to better align the two.
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RE: Retirement
Questions About US Debt? - The average interest rate that the US government pays on its interest-bearing debt as of 8/31/20 was 1.795%, down from 2.331% as of 12/31/15. That means our government can borrow 29.9% more money today than it borrowed 5 years ago and still have the same out-of-pocket interest expense cost (source: Treasury Department).
Does it make more sense to push back #retirement, or not to retire at all?
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Should You Ever Retire?
Mortgage Refi?? - A homeowner who refinances their mortgage may be subject to a new charge of half of 1% on the total loan value. As of Sept. 1, Fannie Mae and Freddie Mac, government-sponsored enterprises that buy mortgages from the lenders that originate the debt, have added a 0.5% fee to refinanced loans they purchase. Lenders are expected to pass the cost onto consumers (source: Fannie Mae, BTN Research).
Ask your mortgage broker.
In August, stock prices surged as investors cheered positive news of a potential COVID-19 treatment and a month-long succession of upbeat economic data.
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Monthly Market Insights | September 2020
In September, stock prices dropped as investors worried about stalled fiscal stimulus talks, the upcoming election, and new European coronavirus cases.
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Monthly Market Insights | October 2020
When was the last time you updated your will?
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Will Power
Take the time to think about these three things when shopping for your next vehicle.
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Consider These 3 Things Before Driving Off the Lot
It’s a long race women run toward retirement, and the steps you take now will impact tomorrow.
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The Long Run: Women and Retirement
Thinking about a prepaid debit card? Consider the pros and cons. #debitcard
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Weighing the Benefits of Prepaid Debit Cards
There may be a couple of reasons for another stimulus; here's one.
Little Short of Cash — 17.1 million U.S. households were behind on their monthly rental payment or their monthly mortgage payment as of Sept. 28. That's 13.5% of the 126.8 million households in the country (source: Census Bureau, BTN Research).
Consider a bucket plan to go with your bucket list. #RetirementSavings
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A Bucket Plan to Go with Your Bucket List
In October, stock prices felt increased pressure due to inaction on a second American fiscal stimulus bill and a rise in global COVID-19 cases.
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Monthly Market Insights | November 2020
Fall in MO is a beautiful time of year. With everything happening in 2020 we hope these brilliant colors bring you calm and peace. The team at Syntegra Private Wealth Group wishes you a wonderful weekend!
The tax rules that govern donating art are complex and confusing. #taxes #art
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Donating Art: Taxation Abstraction
Creating a home inventory can help you fully recover any property losses you incur. Include these four things.
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Inventorying Your Possessions
Learn about Medicare Advantage and the choices it offers you for health care coverage, prescription drugs, and more.
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Medicare Advantage 101
Here are a few key factors to consider when naming an executor for your estate.
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And the Executor Is
Some Thanksgiving trivia you might enjoy.
https://www.syntegrapwg.net/campaigns/holiday
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Thanksgiving Connections
In November, stock prices powered higher and energized investors thanks to a month-long succession of positive news events.
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Monthly Market Insights | December 2020
Own a life insurance policy or annuity that is many years old? You may want to consider a trade in.
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What Is a 1035 Exchange?
One Percenters — To rank in the top 1% of U.S. taxpayers for the 2018 tax year required adjusted gross income (AGI) of at least $540,009.
That highly paid group received 21% of all AGI reported nationwide, but they also paid 40% of the federal income tax that was collected (source: Internal Revenue Service, BTN Research).
Be sure to check out our latest audiocast with Syntegra's CEO Tom Burke, and the CEO of Goldstein Advisors, Jon Goldstein as they look ahead to 2021 and talk about some of the important impacts from 2020.
What does it actually cost to raise a child? You might be surprised.
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The Half Million Dollar Baby
Happy Holidays and warm wishes for the New Year from the Troy, MO Syntegra Private Wealth Group Office.
Start Saving Now — A child born in 2020 that begins kindergarten in the fall of 2025 would attend college between the years of 2038 and 2042. If that child attended an average public in-state four-year college and if the annual price increases for public colleges that have occurred over the last 30 years (5% per year) continued into the future, the aggregate four-year cost of the child’s college education (including tuition, fees, room and board) would be $231,779 or $57,945 per year (source: College Board, BTN Research).
As 2020 comes to a close, we look back on a truly unpredictable year. We thank you for the trust you place in us to manage your financial future in light of a global virus, economic shutdowns, social unrest, and a challenging election cycle. Times like these have a way of shining a light on the blessings in our lives and allow us to focus on what matters most. We appreciate the opportunity to work alongside you to achieve the goals that are so important to you and your families.
Please take a moment to view a holiday video from our exceptional staff who have been working diligently through this challenging time to provide excellent customer service. We are here for you whether it be from home or from the office. We sincerely wish you and yours a Happy Holiday Season and a safe and healthy 2021.
Do you have a will? Is it updated?
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When Do You Need a Will?
Don’t get greedy when the market rises, and don’t panic when it falls. Sound advice—learn more. #BuyLowSellHigh
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The Cycle of Investing
When dealing with a divorce, there are some secrets to dealing with the stress, especially when it comes to money.
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Budgeting After a Divorce
You've allocated your assets; you just may not realize it yet. #AssetAllocation
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Asset Allocation
In December, stock prices rallied thanks to multiple COVID-19 vaccines and the signing of a new fiscal relief bill.
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Monthly Market Insights | January 2021
If you don’t have an #estatestrategy, here’s some reasons why you should.
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Why Everyone Needs an Estate Strategy
Recovery. Recession. Gross Domestic Product. Learn the language of economic cycles.
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The Business Cycle
You’re the conductor of your 401k, IRA and taxable savings.
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Orchestrating Your Retirement Accounts
When was the last time you checked your credit score? #CreditScore
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How Does Your Credit Score Compare?
As January came to a close, stocks were mixed as attention shifted to unprecedented activity around a handful of companies with short-interest positions.
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Monthly Market Insights | February 2021
We are excited to share that Syntegra Private Wealth Group was featured in St. Louis Financial, Fortune, Entrepreneur and Bloomberg Businessweek. The article highlights Tom Burke, CEO and President, Jeff Fiehler. In addition the article features what we do here at Syntegra Private Wealth Group and how we serve you. As this piece is about Syntegra we would be remiss if we didn't realize the important role you, our clients and friends play in making our team one of the best. Please go to the homepage of our website at www.Syntegrapwg.net and check out the article in it's entirety!
The savings rate is the government’s estimate of how much U.S. households are saving.
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U.S. Personal Savings Rate
How We Live — Of the 7.2 million new U.S. households created in the last four years, 100% were owner households while none were renter households, i.e., owner households grew from 75.6 million (Dec. 31, 2016) to 82.8 million (Dec. 31, 2020), while renter households remained flat at 43 million (source: Census Bureau, BTN Research).
Chris Rock once remarked, “You don’t pay taxes – they take taxes.” That applies not only to income, but also to capital gains.
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A Taxing Story: Capital Gains and Losses
Who are you rooting for this March Madness season? Our Troy team has their gear ready to go. Show us your gear pics!
Ever wonder what the cost of college is for each of the schools that qualify for the NCAA Division 1 basketball tournament?
Go to our website at www.syntegrapwg.net and check out the bracketology. Is this a new way to make your March Madness picks? Haha Enjoy!
