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 [...]
At first glance, the latest effort to stimulate the nation’s ailing housing market seems like a cure for the millions of beleaguered homeowners who owe more on their mortgage than their home is worth. The bulk of the $26 billion settlement will go to two groups: people who are behind in their payments and under [...]
The implementation of the Patient Protection and Affordable Care Act (PPACA) is likely to trigger change in a medical insurance landscape that, until now, has been dominated by employer-sponsored plans. But plan sponsors are not sitting pat. Many either have implemented, or plan to activate, alterations to their existing medical plans, largely to avoid an excise [...]
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 [...]
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 [...]
New research confirms a reality millions of Americans already know: Many households are worse off today than they were during the peak of the recession just a few years ago.1 During the recession, real median household income dropped by 3.2%, from $55,309 in December 2007 to $53,518 in June 2009. However, during the “recovery” period [...]
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 [...]
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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Yours, Mine and Ours
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