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Depuis quelques jours, les 36 millions de contribuables reçoivent dans leur boîte aux lettres leur feuille de déclaration de revenus 2012. Ils ont un peu plus d'un mois pour la renvoyer par la poste ou la remplir sur Internet.

De quoi leur laisser le temps d'appréhender les nouvelles mesures entrées en application depuis le 1er janvier et qui alourdissent un peu plus leur imposition.

See more at http://www.lemonde.fr/argent/article/2013/04/17/impot-sur-le-revenu-une-hausse-continue-depuis-cinq-ans_3161239_1657007.html#!

Are you curious to know how the recent tax changes will affect you? 

The last time the top individual marginal tax bracket increased was 1993. The maximum marginal tax rate of 31% in 1992 was raised to 39.6% in 1993.

The U.S. has not run a budget surplus since 2001. Federal debt is more than 100% of GDP, the highest in over 60 years. When the present value of social security and healthcare liabilities is taken into account, the debt-to-GDP ratio may climb to more than 300%.

 Find out how additional tax increases could impact your lifelong investments and portfolios at http://www.tinyurl.com/BFM-tax-022013

Our goal is to help our clients understand why a portion of their portfolios is invested in international financial markets (20% to 50% of the equities may be allocated in Europe, Asia, and Emerging Markets). Not only do Emerging Markets have much lower debt levels and a younger population, international stocks also seem to be currently cheaper than U.S. stocks.

See why at http://www.tinyurl.com/bfm-nwslet-Oct2012-Diversify

Warren Buffet a souvent expliqué qu’il suivait deux règles de base en tant qu’investisseur professionnel. Règle numéro un: "Ne pas perdre d'argent", règle numéro deux : "Suivre la règle numéro un". Si ce principe de base a permis à l’"Oracle d'Omaha" de connaître de grands succès, cette idée nous donne l'occasion de parler d'une des distorsions cognitives les plus courantes parmi les investisseurs: la loss aversion, c'est à dire la peur de perdre. 

See more at:  http://www.morningstar.fr/fr/news/94941/investisseurs-irrationnels--la-peur-de-perdre.aspx#

An 83-year-old Massachusetts man who held Swiss bank accounts at Credit Suisse Group AG and Wegelin & Co. pleaded guilty to hiding $5.7 million from U.S. tax authorities. He will pay civil penalties of $2.84 million and restitution of $419,940. Under advisory guidelines, he faces 30 months to 37 months in prison at sentencing on Dec. 20.

See more on http://www.fa-mag.com/news/ex-credit-suisse-client-83-admits-to-hiding-57-million-11675.html?site=pw#!

The European crisis created lots of volatility, uncertainty, fear... but also opportunities. Furthermore, the Merkozy alliance is over and Europe may focus more on growth.

See more affects of globalization at http://www.tinyurl.com/BFM-July2012-GoGlobal

The Real Estate crisis has been one of the trigger elements of the 2008 financial crisis. Prices have already fallen by 50% in some U.S. cities. The depth and duration of this bear market is one of the worst ever. It is comparable with the bursting of the Japanese real estate bubble in the late 1980s.

Discover the charts and a bullish view of the housing market at http://www.tinyurl.com/bfm-march2012-realestate

Did you know that your vision can literally “trick” you whenever it can? That human attention is limited and that we can’t analyze all the information we receive? Find these and dozens of more tips in the attached.

As we begin a new cycle, the media may be pessimistic but we know that many people are optimistic about 2012 (U.S. Markets up close to 100% since March 2009; up 8 of the last 9 calendar years…). While optimism is certainly in the air, it’s also more important than ever to keep a level head about your investments.

See the Best of BFM Newsletters at http://tinyurl.com/bfm-nwslet-Jan2012-Best-Nwslet

Be aware of your own emotions and cognitive traps to make smarter decisions.

Step away from yourselves to be more rational.

Remember that we unconsciously make decisions based on positive memories.

Learn about financial history to reduce the number of mistakes. Click here http://tinyurl.com/bfm-nwslet-Nov2011-Emotions

If you have the time, desire, experience and knowledge of building your own investment and retirement portfolios, this newsletter is for you!

At BFM, we are very analytical and we believe that asset allocation is more important than stocks or mutual fund selection…but many of you have asked us to share our disciplined due diligence process to selecting investment managers and mutual funds.

See my suggestions at http://tinyurl.com/bfm-nwslet-Oct2011-FundPicks