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Exclusive vs Inclusive Investing

There are many different approaches to investing in the stock market, but most fall under two categories: exclusive and inclusive. Exclusive means conducting thorough research on prospective companies and investing in a portfolio of select, thoroughly vetted securities. One of the advantages of this approach is that if an investor’s research pans out, he could…

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The Impact Of Income Inequality

A new study of high-earning clients of a bank’s wealth management unit tracked the fortunes of male and female young adults to learn how income inequality would impact their lives. The assumptions had both genders starting out in the job market earning a salary of at least $100,000 and in possession of an inheritance of…

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Reining in Impulse Purchases

Try as we may to be responsible, almost all of us end up spending money frivolously at one point or another. It’s good to recognize this and perhaps set aside money in your budget for discretionary purchases. However, on a day-to-day basis, it’s important to remain vigilant about spending habits and be aware of when…

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Saving Money In Retirement

Today, nearly half of U.S. households report having zero retirement savings, according to the Economic Policy Institute. This means that without significant changes in wages, expenses and saving habits, millions of Americans likely will be living solely on Social Security benefits in retirement. Even if you expect to have a bit more in savings, with…

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A New Trend in Retirement Communities: Co-housing

If you live in Florida or Arizona, you’re probably familiar with the concept of age 55-plus communities. They’ve been popular with retirees for several decades now, particularly among “snowbirds” who lived up north most of their life and then relocated to southern climes once they retired. Now there’s a new iteration of retirement communities: It’s…

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Market Thoughts January 6, 2018

Equity markets posted strong gains for the start of 2018. Large-cap, small-cap, international developed, and emerging markets essentially gained 10% of their entire 2017 returns in the first week of 2018.. Jeremy Grantham, co-founder of Grantham Mayo & van Otterloo, penned a noteworthy article this week. He proposed the possibility of a melt-up in the…

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Market Insights – Market Reaction to High Employment for November

Employers added 228,000 jobs in November, 221,000 of them in the private sector. Both are nicely above their averages over the last six months, 164,000 headline and 162,000 private. Almost all the major sectors and subsectors were positive. Mining and logging was up 7,000 (slightly above the average for the last year); construction, 24,000 (well…

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What Type of Investor Are You?

Each person is unique. We are composed of many variables, such as genetics, family influence, geographic influence and even the birth order among siblings – a veritable combination of the forces of biology and society.1 So when it comes to managing your finances, the debate isn’t about nature versus nurture; it’s both. For example, consider two siblings raised…

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IRS News to Know

As we head into the final quarter of 2017, it’s a good idea to stay cognizant of any tax issues that may affect your finances come April 2018. Now is the time to review your investments and income distribution plans to help ensure you don’t trigger additional taxes or penalties later on.   We can…

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