Page Six – Emerging Markets

Page Six – Emerging Markets

​If there were a “Page Six” for finance and economics, emerging markets would be splashed across it.Remember the saying, “Buy low and sell high?” Well, emerging markets have not performed well for quite a long time, and that has a lot of people speculating about what may happen in the next few years.Analysts at BlackRock opined, “Emerging-market (EM) equities are fighting an uphill battle, held back by an appreciating U.S. dollar, falling commodity prices, and flagging exports. These only add…

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Raising Rates? What Will Happen?

Raising Rates? What Will Happen?

​What will happen after the Federal Reserve begins to raise rates? If the Fed’s efforts to raise interest rates are successful, what will happen next? It all depends on whom you ask:Dr. David P. Kelly, CFA, Managing Director Chief Global Strategist, JPMorgan: “Looking back at prior Fed rate hikes suggests that at first, investors have a tough time stomaching the idea of higher yields. However, as it becomes increasingly apparent that the Fed is hiking rates for all of the right…

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It Wasn’t Just About the Budget

It Wasn’t Just About the Budget

​ Last week, the bipartisan budget bill was signed into law, averting a U.S. default and deferring further battle over debt and spending levels until presidential and congressional elections are over, according to U.S. News & World Report.The new law includes provisions that CBS Money Watch said are likely to strengthen Social Security and Medicare by improving the programs’ finances. Since the provisions also have the potential to reduce benefits for some Americans, they may not prove to be all that…

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The Basics of Tax Loss Harvesting

The Basics of Tax Loss Harvesting

You may have heard of tax loss harvesting. Some people harvest losses every year, while others do so only when they have taken significant capital gains or have received more income than expected during a given year (perhaps they sold a business, received an inheritance, or collected a sizeable bonus).Tax loss harvesting occurs when an investor sells an investment at a loss, meaning the investor’s cost basis – the original purchase price adjusted to account for dividends, stock splits, and…

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Most Americans Agree

Most Americans Agree

​Most Americans agree. In a recent newsletter, Jeremy Grantham of GMO, a global investment management firm, discussed research on wealth inequality conducted by Duke University Professor of Psychology and Behavioral Economics, Dan Ariely, and Professor of Business Administration at the Harvard Business School, Michael Norton. Grantham wrote:“The title of the article pretty much says it all: “Americans want to live in a much more equal country (they just don’t realize it)”. The guts of the data is a survey of…

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It’s Important To Ask the Right Questions

It’s Important To Ask the Right Questions

​A recent article in The Economist examined the “gig” economy. You know, people selling crafts online, offering their services as taxi drivers, renting their cars and spare bedrooms for short periods. Some folks even rent space on their driveways to commuters. It’s that old American ingenuity and, as it turns out, it’s difficult to quantify.Analysts expected this employment revolution to be reflected in self-employment statistics. However, the self-employment rate in the United States has declined during the past two decades,…

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Before you buy an annuity….

Before you buy an annuity….

October 20, 2015 Before you buy an annuity…. InvestingInvesting for your retirement can be a scary process. With all of the attention given to financial markets, it’s no surprise that one would want to escape the noise and settle for a “guaranteed withdrawal” or a “minimum return”. The truth is that there are no perfect investments; they all have their benefits and weaknesses. Annuities can help guarantee an income you can’t outlive but at what cost? They are complex structures…

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Rollover – Good Idea or Bad Idea?

Rollover – Good Idea or Bad Idea?

​It’s not always a good idea to rollover company stock from a 401(k) plan to an IRA. In fact, doing so might mean you pay more in taxes to Uncle Sam than necessary.If company stock held in an employer-sponsored 401(k) plan has appreciated, the difference between the amount paid for shares (the cost basis) and the current value of those shares is known as net unrealized appreciation (NUA). For instance, if an investor paid $10 a share for 1000 shares…

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Need a Laundry Bot?

Need a Laundry Bot?

​Do you hate doing the laundry? Then, you may be in luck. The world’s most recent laundry bot was introduced at Japan’s 2015 Combined Exhibition of Advanced Technologies (CEATEC), a technology trade show. The Telegraph reported the robot was developed to eliminate the tedium of laundry, which (as moms and dads everywhere know) is one of the least popular household chores. Not only does ‘Laundroid’ wash and dry clothes, it also can sort them, fold them, and put them away…

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Change Is Coming

Change Is Coming

​ America’s share of the global economy is potent. Our country accounts for 16 percent (after being adjusted for currency differences) of the world’s gross domestic product (GDP) and 12 percent of merchandise trade. According to The Economist, we dominate “the brainiest and most complex parts of the global economy.” Our presence is strong in social media, cloud computing, venture capital, and finance. In addition, the dollar is the world’s dominant currency.While the view from the top is pleasing, we…

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