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November | 2006 | Hou Financial Group

https://houfinancial.wordpress.com/2006/11

Growth or Value: Room for Both? November 16, 2006. Over the past 25 years, large-cap value stocks slightly outperformed large-cap growth stocks (see chart). Does this mean the age-old debate about growth versus value is over, and you should jettison the growth stocks in your portfolio? Growth stocks haven’t always lagged behind their value counterparts; in several of the past 25 years, they outperformed value stocks by double digits. Growth of Value, Value of Growth. November 8, 2006. In a study of tort ...

2

February | 2007 | Hou Financial Group

https://houfinancial.wordpress.com/2007/02

February 3, 2007. Did you know that medical bills related to illness contribute to one out of every four bankruptcies in the United States? A disability caused by illness or injury that prevents a household member from working can create an alarming cycle whereby income decreases as expenditures rise. Under this scenario, the typical household may be forced to dip into savings or go into debt, or both, to pay living expenses and medical costs. A Policy That Works for You. It can be uncomfortable to think...

3

January | 2007 | Hou Financial Group

https://houfinancial.wordpress.com/2007/01

Pop Quiz: Paying for College. January 30, 2007. Test your knowledge of college funding basics. 1 How much have average tuition and fees for four-year public colleges risen over the past 20 years? A 21% b. 31% c. 101% d. 231%. 2 What is the maximum amount that can be contributed each year to a 529 savings plan on behalf of a student? A $2,000 b. $5,000 c. $10,000. D As much as is reasonably necessary to fund the student’s future education costs, up to plan limits. A It depends on the student’s tax bracket.

4

Prepare to Convert | Hou Financial Group

https://houfinancial.wordpress.com/2007/04/14/prepare-to-convert

In the past, only people with adjusted gross incomes of $100,000 or less were eligible to convert their traditional IRAs to Roth IRAs. The Pension Protection Act of 2006 repealed this rule, but it doesn’t take effect until 2010. Probably the most popular reason for converting to a Roth IRA is the opportunity to receive tax-free withdrawals in retirement. Another benefit of a Roth is that there are no mandatory distributions during your lifetime. Of course, to qualify for a tax-free and penalty-free withd...

5

Wild Ride or Quiet Stroll? | Hou Financial Group

https://houfinancial.wordpress.com/2007/04/21/wild-ride-or-quiet-stroll

Wild Ride or Quiet Stroll? The stock market has taken investors on a wild ride for the past several years. For example, a hypothetical portfolio of stocks mirroring the S&P 500 would have taken until 2006 to recoup losses sustained during the three-year bear market that began in 2000. Meanwhile, an investment in low-risk 10-year Treasury bonds wouldn’t have lost a penny during the same time period or at any time during the past 25 years (see table). Treasury bonds are backed by the full faith and credit ...

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