Monday , October 14 2019
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Tag Archives: financial risks

Rosso: 4-Simple Steps To Save Money

Nobody ever said that saving money is easy. All of us leave a daily spending trail. Rarely, do we analyze the financial impact, positive or negative, of simple things like eating out (usually overeating), utilizing smartphone food delivery apps and bringing lunch to work every day (which also can have a positive impact on personal health!) Actions to save money are habits and just like anything we find a challenge, it takes time for a habit to forge into a discipline. Personal philosophies...

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3-Facts Investors Are Learning The Hard Way About The Markets

Passive, In Reality Is Active, Sometimes RADIOactive. The ‘passive’ revolution we’re witnessing is to provide a portfolio solution which is based on the demand for the products, regardless of how expensive the products may be. To be clear, I’m an advocate for index investments and lower internal portfolio costs. I was one of the first financial professionals at my former employer to use market cap weighted exchange-traded funds in client portfolios to replace mutual funds. My beef is how...

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Fed’s Survey Of Economic (Un)Well-Being

The Federal Reserve Report on the Economic Well-Being of U.S. Households in 2017 was recently released. The Federal Reserve Board’s Division of Consumer Affairs 5th annual Survey of Household Economics and Decisionmaking is designed to gain understanding of how adults in the U.S. feel about the state of their finances. A sample of 12,000 received the survey in late 2017. What’s unique about the study in my opinion, is that it tackles subjective well-being from a financial perspective and...

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The Market Isn’t The Economy: A Snapshot From The Depression

“We gathered on porches; the moon rose; we were poor. And time went by, drawn by slow horses. Somewhere beyond our windows shone the world. The Great Depression had entered our souls like fog.” – Pantoum of the Great Depression – Donald Justice. Wall Street insiders relish market troughs. They bask sanguine in their confidence of history. Tenured pros are comforted in the belief that monetary and fiscal stimulus triggers are cocked and at the ready, reinforced in the knowledge that taxpayers...

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Bonds Are Dead…Again?

Not trying to be a wet blanket here, but c’mon. Again?  Maybe the line I’m walkin’ needs to be crossed. Too early to say. The pros in this business who believe the 10-year Treasury yield must breach 4% are piling on to one side of the boat. The contrarian in me along with several data points compel me to maintain a preference to remain on the lonely side of the ship. Most likely what you’re witnessing is a peak in intermediate and long-term interest rates, not the start of something big. I...

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3-Steps To A Successful Open Enrollment – Part 2

In Part 1,  I sought to help RIA readers understand the importance of selecting and rethinking a healthcare employer benefits option that should serve more as a “healthcare-in-retirement” account. A Health Savings Account provides triple tax-free benefits; a unique feature that makes maximum annual funding to subsidize rising health-care costs in retirement, a no-brainer. Non-catastrophic current healthcare expenditures should be accounted for in a household budget, thus allowing the HSA to...

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3-Steps To A Successful Open Enrollment – Part 1

It’s almost that time again. Another year, another window of opportunity to select employer benefits options for the upcoming new year. How do American workers feel about open enrollment season? According to the latest Aflac Workforces Report, 67% of the 5,000 employees who participated in the study described benefit enrollment as complicated, long or stressful. Amazingly, 83% of respondents spend less than hour researching available options; 20% do no research at all. An overwhelming 92%...

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8-Steps To Fiscal Fitness

Autumn is the period of transition from summer to winter; a time of harvest. Use the season to breathe fresh perspective into your finances and prepare for a prosperous 2019. Here are the 8-steps to fiscal fitness. #1: A thorough portfolio review with an objective financial partner is timely. Most likely your long-term asset allocation or the mix of stocks, bonds and cash you maintain or add to on a regular basis, has been ignored. With most of the major stock indices almost at new highs,...

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What Your Financial Wikipedia Says About You

The longer one lives, the mustier the memories. I often ponder the past; it makes me sad how as years go on, personal events regardless of pain or pleasure, dissolve into fine mist and disappear into a black hole of time. I long to remember all the great things I’ve forgotten! A couple of childhood memories stand out. Before I share, keep in mind, I was a boy. I was also a nerd, an inveterate reader. Books were and remain, a personal passion. Every year the Scholastic book fair made the...

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What Your Financial Wikipedia Says About You

The longer one lives, the mustier the memories. I often ponder the past; it makes me sad how as years go on, personal events regardless of pain or pleasure, dissolve into fine mist and disappear into a black hole of time. I long to remember all the great things I’ve forgotten! A couple of childhood memories stand out. Before I share, keep in mind, I was a boy. I was also a nerd, an inveterate reader. Books were and remain, a personal passion. Every year the Scholastic book fair made the...

Read More »