Category: Financial Planning

Volatility is back. The sustained rally that produced 30%+ gains in the S&P 500 in 2019 and continued into 2020 came to an abrupt halt in late February, when fears of the new coronavirus epidemic and its effects on the economy swept Wall Street and beyond. Markets across the globe plummeted, and the Dow Jones Industrial Average dropped over 1,000 points in one day. More drops followed, and volatility has ensued as investors try to grapple with the spreading epidemic and its potential impact on trade, travel, and the global economy.

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We are living in interesting, uncertain times. The world and the media maintain that we need to be full of fear and doubt; worried about our future.  And, I understand these are real emotions.

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For today’s homebuyer, mortgages are cheaper than ever. The average rate on a 30-year fixed mortgage fell to 3.29% in early March, the lowest level recorded in almost 50 years. And 15-year mortgage rates came in even lower, averaging a mere 2.79%.

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As warmer weather arrives and households tackle spring cleaning to-dos, it is the perfect time to bring a simplified approach to your finances and “clean house.” Here are considerations for how to “spring clean” your finances:

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Do the laundry, make dinner, pay the bills, pack the kids lunches, clean the house, walk the dog, feed the cat, 5:00 soccer practice…….

And….. this is the ‘to-do’ list rattling around in your head, even before your alarm goes off at 6:00 AM!

Then your day begins…….

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Here are 10 tips to get healthy with your finances in 2020:

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The holidays can be a magical time of year, filled with the warmth of family and friends and the joy of giving—or receiving—the perfect gift. But if you’re not careful, the holidays can also be a financial drain—leaving bills that linger long after spring has returned.

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Americans are woefully unprepared for retirement. As survey after survey has shown, the average person is simply not saving enough to provide for a comfortable retirement. That’s why Congress is currently proposing reforms to retirement plan rules.

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I’m a planner. I struggle to act on a whim and be impulsive… it’s just who I am.

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“An athlete cannot run with money in his pockets. He must run with hope in his heart and dreams in his head.”
—Emil Zatopek, Czechoslovak long-distance runner and Olympian.

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One of the first steps in planning for retirement is to get an accurate read on just how much income you can expect to receive from Social Security.

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Who needs a pyramid scheme or a crooked money manager when you can lose money in the stock market all by yourself? If you want to help curb your loss potential, avoid these 10 practices.

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Individual retirement accounts (IRAs) come in two flavors: traditional and Roth. With a traditional, contributions are potentially tax deductible and taxes on contributions and earnings are paid when funds are withdrawn in retirement. With a Roth, contributions are made after tax, but withdrawals in retirement are generally tax free.

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If you are weighed down by student loan debt, you are not alone. Recent data shows that there are 44.5 million student loan borrowers in the U.S., and they owe a collective $1.5 trillion.

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