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Ashford Creative Wealth Newsletter - January 2010

To view this month's newsletter, please click on the PDF file located at the bottom of the page.

This month's newsletter features the following articles:

Flawed Thinking

Why do seemingly rational and intelligent individuals sometimes make poor financial decisions? Usually it’s because there is some flawed thinking about the financial realities of life. What follows are three articles highlighting some misguided perspectives, how they can lead you astray, and what you can do to “get in your right mind” about money.

Remembering Y2K

Because we have an intense interest in the future, particularly our own, we often find predictions irresistible. But how beneficial is it to live your life based on predictions?

Why a “Nirvana” mindset usually delivers Grungy results

In a perfect world, all problems – social, political, financial – have an ideal solution. But in the real world, pursuing ideal, yet unattainable, strategies may lead you to neglect of some very practical and effective approaches.

The Subtle Influence of WACronyms

Acronyms like RBI, IRA, and RPM are time and space savers, a form of language “shorthand” that facilitates communication. But because of a term called “fluency,” the positive characteristics of acronyms can be manipulated. A look at how financial institutions sometimes use acronyms to influence consumer decisions.

2010: The Year of the Roth Conversion

The financial media is abuzz about Roth IRA conversions. Why? A change in tax law effective January 1, 2010, makes converting a Traditional IRA to a Roth IRA an attractive option for many Americans. Read the details to see if a Roth IRA conversion is attractive for you.

5-Minute Financial Thought

What’s easier: Managing your debt, or managing your investments? Which activity has the potential to deliver the best returns? Take five minutes to think about it.

Related Documents

Ashford Creative Wealth Strategies Newsletter - January 2010

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** Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS), Two Ravinia Drive, Suite 750, Atlanta, GA 30346. Securities products/services and adv isory services are offered through PAS, a registered broker-dealer and investment advisor, (770) 390-2600. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Ashford Advisors is not an affiliate or subsidiary of PAS or Guardian.
PAS is a member FINRA, SIPC.

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