CDs or Certificates of Deposit are popular again. With interest rates up, investors are once again rewarded for holding “safe” fixed-income instruments like FDIC-insured bank accounts and securities issued by the United States Treasury. That’s where CDs come in. CDs are a type of fixed-interest rate deposit offered by banks. Most CDs are backed by the…
Have you considered funding a Roth IRA for your child? To make a Roth contribution, your child must have earned income from a job. As a parent (or grandparent), you can contribute to this Roth IRA. Not only do you help your child get started on planning for retirement but you benefit by transferring assets…
There are two forces investors need to understand when determining the path of stock prices. The first is the Fed and the second is corporate earnings. >> To subscribe to this monthly newsletter, click on Subscribe! Earnings, Interest Rates, and Stock Prices Stock prices are a function, among other items, of their estimated future earnings discounted…
Tax changes have implications and it’s a good idea to get an early start on tax planning for 2023. Understanding some of the new rules can help you as you go through the year. Here are some of the major tax changes for 2023. Beneficial 2023 Tax Items First, there are some beneficial tax items…
What value does financial planning brings to your life? Ultimately, it helps you plan for the unexpected in life so you remain financially sound. This article explores the different life stages, highlighting how planning can benefit you financially along the way. The Game of Life and Financial Planning at Every Age Are you familiar with…
The markets have bounced following a lousy September on the heels of corporate earnings, steady employment, and an October CPI that showed inflation may be cooling. Both stocks and bonds have had big daily swings as money flows react to each piece of economic data. >> To subscribe to this monthly newsletter, click on Subscribe! Third…
The bear market is still alive and well, and full of surprises. I read a Tweet posted by long-time technical analyst Walter Deemer that said, “In a bear market, the surprises tend to be negative.” >> To subscribe to this monthly newsletter, click on Subscribe! Stronger Consumer Price Index & Wild Dow Jones Swings This was…
As a serious investor, you regularly weigh risk and return as you consider what to invest in, what to divest, and how to react to market news and attempts to manage economic forces. In this article, you’ll get a taste of the market’s response to pain, higher short-term interest rates, and falling bond prices. >>…
It would be an understatement to say that investors in the renewable energy space have been frustrated. After a strong run in 2020, shares in renewable energy companies have been in a steep bear market. To illustrate, the Invesco Solar ETF (symbol: TAN) was down 25% in 2021 and was down another 25% to the…
In the past week or so, the markets, I suggest, have begun to question the prevailing conventional wisdom that inflation will remain persistently high and that the economy is likely to fall into a deep recession. This article explores why. >> To subscribe to this monthly newsletter, click on Subscribe! Commodity Prices & Payroll Suggest Moderating…
