Is Lowering Interest Rates Good for the Economy and the Markets? Interest rates can have a positive or a negative effect on the U.S. economy, the stock markets, and your investments. When The Fed changes the Federal Funds Rate (the rate at which banks can borrow money to lend to …
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Social Security 2020: Increasing Taxes, Payments, and the Full Retirement Age Social Security Retirement benefits are set to increase in 2020- a modest 1.6% increase for the average retired worker that adds an extra $24 per month to their retirement check. Retired couples will see their combined benefits grow to …
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Today’s Pre-Retirees: Financial Planning with a Contingency Plan The demographics of retirement and a ‘retired person’ is rapidly changing worldwide. Over the past 200 years, there have been remarkable changes in health and wealth around the globe. Now, there is a converging demographic between countries, thanks to world aid and …
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A Better Measure of Financial Health: Net Worth Consistent growth in income or assets are indicators of positive financial health, but when liabilities grow faster than assets, or the value of assets drop, the result is negative net worth. Net worth is calculated by subtracting liabilities (owed debt) from assets …
The Human Side of Wealth Management The financial services industry has classified “advice” as financial planning, not investment advice (the selection of investments), which is just one part of wealth management. If Robo-advisors have done nothing else, they have revealed that much of the investment advice in selecting investments can …
What Does an Inverted Yield Curve Mean to Investors? Due to the duration risk of holding assets over time, a normal yield curve shows that bonds with a longer maturity have a higher yield and pay more interest than short-term bonds. Investors usually demand higher rates of return if their …
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Considering Buying A Vacation Property? Be Tax Aware With real estate prices recovering to where they were pre-2008 in most of the U.S; many people are buying U.S. vacation homes, and homes abroad for various reasons. The appeal of international vacation homes is at an all-time high as property overseas …
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Is Your Business Ready for Liquidation? One of the largest risks to the future of a business is one that is often left unnoticed: What will happen when the ownership changes? At some point, a successful business faces this question and considers liquidation for all the right reasons. The business …
Media Hype? Limit Your Exposure During a Recessionary Period In light of recent media reports on stock market performance, political issues, scandals, and other ‘news-worthy stories,’ limiting yourself from media hype as much as possible may be right for you and your investments. Every day the American public is exposed …
The Legitimate Value of Financial Advice The financial advice industry has changed for advisors with a fiduciary financial planning emphasis in their practice. These advisors have chosen process over product for the benefit of their clients. Additionally, new regulations, technology-enabled efficiencies, and fee compressions will continue to influence the advice …
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