As of this writing the S&P 500 is once again testing new highs. It’s always valuable at such a juncture to consider the two trends that market returns always follow in order to keep one’s perspective within the realm of rationality. First, there’s cyclical change, best expressed by the adage “What goes up must come…
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New college graduates these days face the same financial challenges that young workers have faced for the last several generations. As they enter the workforce there’s the cost of an apartment, perhaps a used car if public transportation is lacking, and of course their personal preferences for entertainment. At some point during their evolution they…
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Dr. Horace “Woody” Brock is an author and economist, and the founder and president of Strategic Economic Decisions, an economic think tank. He believes the growth of “bubbles”– such as the real estate bubble that had such a devastating effect on world economies in 2008 – can easily be controlled. In a recent interview with…
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I frequently run across ads touting the benefits of utilizing money in your Individual Retirement Account (IRA) to purchase investment property. And it’s not just me. Les Christie in CNNMoney recently reported that amateur investors are buying up homes using cash in their retirement accounts in order to get in on hot housing markets. The…
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One of the problems many employees have faced over the last decade is the rapid disappearance of the traditional company pension plan – also known as a defined benefit (DB) plan – in favor of defined contribution (DC) plans. With DB plans, the investment risk is completely borne by the company, while the opposite is…
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With Americans being forced to take more and more responsibility for their retirement savings and growth, the need for making better financial decisions is becoming paramount. Unfortunately, a recent survey by LIMRA, a life insurance market research association, designed to test the financial literacy of the average American, shows that we still have a long…
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