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 [...]
Operating a business out of your home can sound like an ideal situation: no need to rent expensive office space, no time-consuming commute, flexible work schedule, and tax write-offs to boot. If you’re thinking of setting up an office in your home, there are a number of considerations you’ll want to take into account. Zoning [...]
For today’s investors, market volatility is a fact of life. Those saving for long-term goals can usually overlook temporary volatility — even the wide fluctuations of recent weeks — in the interest of long-term gain. But for retirees, who increasingly rely on their investments to fund their living costs, market volatility can mean the difference [...]
Most retirement-minded Americans might not see the connection between physical fitness and retirement planning, except for the fact that both can make them sweat! For too many Americans, particularly the 78 million baby boomers, the process of planning for retirement is about as appealing as exercising and getting fit; something achievable but also easy to [...]
Slow economic growth, higher unemployment, more market volatility: Welcome to the “new normal” economy. That’s what pundits have dubbed the landscape in the wake of the Great Recession. While the “new normal” doesn’t sound particularly promising, a sluggish economy doesn’t have to derail your financial goals. There are some simple things you can do to [...]
You may be able to use losses within your investment portfolio to help offset realized gains. If your losses exceed your gains, you can offset up to $3,000 per year of the difference against ordinary income. After factoring in federal income and capital gains taxes, the alternative minimum tax, and potential state and local taxes, [...]
In the “Old World” of retirement most financial advisers followed a traditional linear life pattern that went something like the following: 1. Go to college; 2. Work intensely for one company and look forward to retirement; 3. Finally retire, rest and relax a bit; 4. Then die! In the old world, longevity simple meant stretching out the “rest and [...]
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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