#AquilaWealth Newsletter

Enjoy my newsletter and commentary around the topic of personal finance.

Here's 3 articles I've found helpful in my reading this week, and I hope you will too.

Prepare for a recession but stick with stocks: JPMorgan's Chief Global Strategist

Understanding the FIRE Movement

There is a lot of chatter about the FIRE movement lately – Financial Independence / Retire Early – and you’re probably wondering whether it’s right for you and your family. The real answer – as any competent financial advisor will tell you – is that it depends. Let’s examine the benefits and drawbacks.

A Look at the World’s Largest Companies

Every year, Fortune unveils its rankings of the world’s 500 largest companies – the Fortune Global 500. And the list always creates buzz. Who made the list this year? Who’s at the top? And the “I’ve never heard of that company, what do they do?” Let’s explore the list.

We were featured in today's studentloanhero.com article -- 5 Smart Money Moves to Make Today With Your New Raise


“I would focus more on the emergency fund if your income is very sporadic or if you’re expecting a life transition coming up,” said Eric Maldonado, a certified financial planner and owner of Aquila Wealth. For example, if you’re expecting a baby, starting a business, or planning to move, it’s a good idea to have a robust safety net.

#AquilaWealth Newsletter -- After defeat, Japan's World Cup team leaves behind a spotlessly clean locker room and a 'thank you' note 

I read these three great articles this week, and I think you’ll like them too.

1. Shimmers: The New Credit Card Skimmers
I like this article because Aquila Wealth Advisors was featured in it. ;)

The best way to avoid credit card "shimmers," which is criminals taking your credit card info when using the chip insert to pay, is to use a touch-free payment option like ApplePay on your phone or the "tap" feature on your card, when paying in person.

Moneytips.com article feature


 “Aquila Wealth Advisors Owner and Financial Planner Eric Maldonado, CFP®, MBA, CKA®, reassures consumers that the sky is not falling. Maldonado says we shouldn't let fear drive consumer actions, but stresses that timely reporting of suspicious card activity is key to resolving potential identity theft issues. "A new card can always be issued by the credit card company, but this can be a bummer because (all payees) linked to the card will need to be updated," acknowledges Maldonado.”

#AquilaNewsletter -- 3 Personal Finance Tips, June 13th, 2018

Here are 3 personal finance tips I hope you find useful in your reading this week:

1. "The Best High-Interest Savings Accounts Online for 2018"
I'm often asked: "Where should I put my savings?"
It depends on the time frame for which you need the money, but for "intermediate-term" savings, a good place to look is online savings accounts like Ally Bank's Online Savings Account. It's currently boasting an annual interest rate of 1.6% and no account fees.

"Profit First" -- AquilaNewsletter

Here's the 3 items I've found useful in my reading this week, with my commentary:

1. "Profit First" -- Book recommendation
Amazon link to book
Many of my business owners ask for recommendations to a good business profits resource. Profit First Accounting (PFA) is an effective and simple-to-implement process to make sure your business revenue "works." 

An Iceberg Flipped Over, and Its Underside Is Breathtaking -- AquilaNewsletter

Here's the 3 article links I've found helpful in my reading this week, along with my commentary:
1. The One Percent Rule – Rental Real Estate Investing
I'm often asked about real estate investing. The One Percent Rule (divide one month's rent into the property purchase price) is a quick way to begin to see if the property is a "working" real estate investment.

Introduction to Aquila Wealth Advisors' Weekly Newsletter

As I talk with friends & clients, I often hear how we’re all deluged with information daily. When it comes to financial stuff, a lot of the information isn’t the least bit useful. The main goal of financial media often seems to be to get us to click a link or stay glued to a screen using frenzied news headlines and stories.

   My goal is different…

Dollar Cost Averaging

Creating Good Money Behavior

   The increase in volatility to start 2018, coupled with the almost 9-year bull market run has caused many sophisticated investors to question when to buy and when to sell. So, it’s important to remember that there is a very simple investment strategy that doesn’t require you to stare at trading screens all day – Dollar-Cost-Averaging.

The New 2017 Tax Reform Bill, Part 2

What is Not Changing

On January 1, 2018, the most sweeping overhaul of the US tax system – the Tax Cuts and Jobs Act – went into effect. While the bill is over 500 pages long, let’s briefly examine items not changing. But please keep in mind that this summary is in no way comprehensive nor is it meant to be construed as tax advice – you should consult your advisor to determine how it might impact you personally.

The New 2017 Tax Reform Bill, Part 1

Perspectives from a Financial Advisor

As of December 20, 2017, the Senate passed the "Tax Cuts and Jobs Act.” Most would agree that this is the most sweeping overhaul of the US tax system in more than 30 years.

The question we are all asking is “how does this impact me and my family?