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Individual Health and Medicare News - Spring 2015

 April 22 2015
Welcome to the spring edition of the HORAN Individual Health & Medicare newsletter. Leaves are starting to sprout and the grass is getting green. It is a wonderful time of year. It is also the time to keep educating yourself on what is going on in the world of Individual Health and Medicare and how new legislation impacts your health care situation.

Unemployment by Education Level

 February 2 2015
There is a clear connection between educational attainment and unemployment rate. As expected, the people with the highest rate of unemployment are the people without even a high school degree. The unemployment rate for this group is almost triple that of college graduates. In general, the more education you have, the better off you are. The percentage of the population that have a college degr...

Avoid These Mistakes With Your IRA

 February 1 2015
Funding an IRA may seem like a simple financial task: Pick your provider, send in your money and choose your investments.    A look at Internal Revenue Service Publication 590, which details the ins and outs of IRAs, suggests there's more to it. There are two key IRA types, Traditional or Roth. Traditional IRAs include two subtypes, deductible and nondeductible. There are also byzantin...

Home Price Growth Returning to a More Sustainable Rate

 February 1 2015
It is certain that after a series of fast-paced increases that peaked in late 2013, the rate of home price increases is moderating. As of November, the Case- Shiller Index is showing that home prices are growing at 4.3% year-over-year, which is a much slower rate compared to a near 14% pace reported in 2013. The prices recovered about 82% of the previous high, and 14 states are currently either ab...

Tax Guide 2015

 January 22 2015
2015 Tax Reference Guide

How to Choose a Tax Preparer

 December 3 2014
The tax code is quite a complex beast. Trying to stay on top of ongoing changes to the tax code is extremely challenging and not too appealing for most. As a result, many people opt to visit a professional tax preparer when tax season is upon them. For those who are choosing this avenue for the first time, here are some tips that should help with the search for a qualified professional. Chain Ser...

Do You Have a Job-Loss Safety Net?

 December 2 2014
“What are the chances that I'll lose my job?” Unless you're a retiree, a tenured college professor, or the owner of a business, that question has probably passed through your mind at least a few times over the recent years. Even if you're confident about the security of your current position, it never hurts to put in place a good safety net. Some of the primary steps are outlined below...

Investor Letter from HORAN Capital Advisors - Winter 2014

 December 1 2014
An important component of investment counseling is to regularly meet with clients to frame expectations based on the investment outlook. Client expectations can vary widely based on historical experiences, media buzz and general life experiences and viewpoints. We believe it is our responsibility to identify and communicate historical market perspective, the future drivers of market returns and...

A Republican Congress Awaits – But First the Lame Duck Session

 November 1 2014
Destiny became reality in the midterm elections as the Republicans gained a majority of the Senate and widened their lead in the House to historic proportions. The Republicans now must decide the mix of confrontation and collaboration that will define their leadership. Due to variations in beliefs and campaigning strategies, the rank-and-file members of the two chambers might see this ideal mix di...

Get a Tax-Smart Plan for In-Retirement Withdrawals

 October 4 2014
The following sequence may make sense for retirees to preserve the tax-saving benefits of tax-sheltered investments for as long as possible.   1) For retirees over age 70 1/2, the first stop for withdrawals are those accounts that carry required minimum distributions, or RMDs, such as Traditional IRAs and company retirement plans such as 401(k)s (to avoid paying penalties).   2) For ...
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