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 [...]
If you are like many investors out there, you may be watching key financial markets from a distance, still unsettled by the downturn of several years ago and left wondering about your investment strategy. This is not the moment to be passive—now is a great time to assess your situation, explore the current landscape, and [...]
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 [...]
Although most Americans will not have to worry about 2012 taxes until early 2013 when 2012 tax returns are due, self-employed individuals or anyone who must pay quarterly tax payments will want to plan ahead. And there’s good news for those that do. The IRS recently announced cost-of-living adjustments for the 2012 tax year that [...]
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 [...]
Of the top-selling ETF strategies to emerge on the investment scene in 2011, many are first-of-their-kind innovations. For instance, the Asia Local Debt ETF (ALD) from WisdomTree Investments topped the list of launches with $470.98 million in net flows as of June 30, while the Managed Futures Strategy Fund (WDTI) from the same firm came [...]
Proper long-term financial planning requires time, skill, discipline, and confidence — a combination that many individuals may lack. It’s understandable that so many individuals are reluctant to take on the responsibility of researching and implementing their own investment programs. If you find yourself in this situation, it may make sense to consider working with a [...]
Parents overwhelmingly believe that they — not the schools, the government, or any other third party — should provide financial education to their children. Yet most don’t practice what they preach. 1 Less than one-third of parents (29%) believe they are “excellent” financial role models for their minor children. The ability to communicate about money [...]
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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