Although employment trends have improved recently, there remain millions of people who work part time, are employed in temporary jobs, or are self-employed, frequently without employer-sponsored benefits.1 This situation presents a challenge when planning for retirement, health insurance, and other areas. But with careful planning, you may be able to continue investing for your later years, [...]
If the U.S. economy is on the mend, as published reports have indicated, this improvement has yet to show up in the finances of U.S. households. The results of PwC’s Financial Wellness Survey reveal a nation of consumers struggling with cash management and debt. Never Enough Competing financial concerns are forcing many households to focus [...]
Often I find my clients focusing on only one aspect of money. Usually this focus is on their dissatisfaction of their salary and the continued struggle to make more. One of my clients, a successful couple, Joe and Mary, making $100,000 a year (a significant amount to most), felt like this was not enough. One [...]
When reviewing the impact of taxes on your investments, it is important to understand that many items currently in the federal tax code are scheduled to expire after December 31, 2012. Although future actions to amend tax rules are anyone’s guess, keeping abreast of developments in this area may be to your advantage. Consider the following [...]
A new study conducted by the Pew Research Center indicates that many of the themes raised by the Occupy Wall Street movement over the past several months resonate with the American public.1 Yet despite our economic challenges, we continue to reject the idea that America is a nation of “haves” and “have-nots.” Wall Street on [...]
Mistake #1: Focusing on everything else instead of your relationship with money. What I mean by your “relationship with money” is how you personally approach your economic activities like: how you earn money, how you spend it, save it or give it away – and the thoughts and feelings associated with those activities. What I [...]
Banks and other credit issuers saw their opportunities for generating revenue from fees charged to consumers severely hampered when the Dodd-Frank Wall Street Reform and Consumer Protection Act took effect in 2010. The new regulation capped overdraft fees and charges banks could assess to credit card customers. As a result, many financial institutions have been [...]
It’s not your imagination: The stock market is bumpier than normal. The U.S. economy can’t find its footing — and every piece of bad news, whether at home or abroad, has the potential to send the markets reeling. All that volatility can make it tough on investors to stay the course. Historically speaking, the market [...]
Most stock market investors are looking for the same result: strong and steady gains of their investments. Dealing with a period of sustained falling stock prices is not easy. All too often, investors react to a sharp drop in prices by panic selling or digging in their heels despite deteriorating fundamentals. But more thoughtful investors [...]
If you don’t like the word “Retirement” and your goal is to spend more time on your life passions and pursuits then you should get to know Ruth Cameron!
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