A long period of low yields has been challenging for many fixed-income investors, but owning bond investments in a rising interest-rate environment could become even trickier. When interest rates go up, the prices of existing bonds typically fall. Consequently, the Federal Reserve's rate-setting decisions could affect the entire fixed-income market. Still, bonds are a mainstay [...]
It's that time of year again! No, I am not referring to the Holidays which brings the hustle and bustle of gift buying, parties, and hopefully special time with family and friends. Those subjects could produce material for an interesting read, but there is another annual tradition which I have been thinking about. I am [...]
The events of the past week bring one word to mind: finally. Last Wednesday, the Federal Reserve (Fed) finally raised the target for the federal funds rate by 0.25%. By raising this key overnight borrowing rate, the Fed raised interest rates for the first time in nine years—an event that has been receiving a great [...]
The decisions you make during open enrollment season regarding health insurance are especially important, since you generally must stick with the options you choose until the next open enrollment season, unless you experience a "qualifying" event such as marriage or the birth of a child. As a result, you should take the time to carefully [...]
As the end of the 2015 tax year approaches, set aside some time to evaluate your situation and consider potential opportunities. Effective year-end planning depends on a good understanding of both your current circumstances and how those circumstances might change next year. Basic strategies Consider whether there's an opportunity to defer income to 2016. For [...]
The advantages of tax deferral are often emphasized when it comes to saving for retirement. So it might seem like a good idea to hold off on taking taxable distributions from retirement plans for as long as possible. (Note: Required minimum distributions from non-Roth IRAs and qualified retirement plans must generally start at age 70½.) [...]
I hope you are enjoying these last days of summer and that you have had the chance to take a great vacation! For me, the past few weeks has brought another "Back to School" season for the family. But this time around, the school year's start is much different! Instead of attending more high school, [...]
The volatility of the Chinese stock market has been viewed by U.S. investors with a mixture of concern and fascination. As of August 4, the Shanghai market is still up 16% year to date even after a nearly 30% decline from its June 12 peak. This roller coaster ride has received a great deal of [...]
Dividends can be an important source of income. However, there are several factors you should take into consideration if you'll be relying on them to help pay the bills, especially if you are no longer earning income. An increasing dividend is generally regarded as a sign of a company's health and stability, and most corporate [...]
Do you sometimes lie awake at night thinking about bills that need to be paid? Does it feel as though you're drowning in debt? If this describes you, you might take solace in the fact that you're not alone. A recent report released by the American Psychological Association (APA) showed that 72% of adults feel [...]