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What’s on our mind? You can read about it in our blog. Whether it’s ideas from the investment world or concepts from the financial industry, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.

 

Tuesday, October 3, 2023

Time to Think About Year-End Financial Strategies As we roll into fall and the fourth quarter, now is a good time to pause and reflect on proactive ways to set up your finances for 2024. Economically speaking, we are now in a much...

 

Tuesday, September 26, 2023

While artificial intelligence (AI) is making headlines today, the concept of "thinking machines" can be traced back to ancient philosophers and mathematicians. The phrase artificial intelligence was first used in the mid-20th century,...

 

Tuesday, September 12, 2023

Social Security, the program you may have spent a lifetime paying into, is designed to offer stability, supplemental income, and other valuable benefits that can play a role in your overall financial strategy after you retire. We've...

 

Tuesday, September 5, 2023

If you ask the average investor which month is the most volatile for the stock market, they will probably say October. It's a reasonable answer, but it's incorrect. Despite October's reputation for market-defining events like the...

 

Tuesday, August 22, 2023

As financial professionals, we understand how vital it is to safeguard your personal and financial information. Unfortunately, in our increasingly digital world, cybersecurity risks, such as phishing attacks, have become a prevalent...

 

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Monday, August 7, 2023

You’ve done a great job teaching your children vital life lessons and instilling values that will last a lifetime. As summer ends and a new school year begins, one thing that shouldn’t be overlooked, especially for...

 

Tuesday, August 1, 2023

Changes are coming to the complicated form that students must submit to qualify for college financial aid, known as the Free Application for Federal Student Aid (FAFSA).The Department of Education is calling it the “most...

 

Tuesday, July 25, 2023

IntroductionOver the last several months, I have met with quite a few self-proclaimed do-it-yourself (DIY) investors who, after struggling with the markets in 2022, approached me asking for a second opinion. Interestingly, almost every...

 

Tuesday, July 11, 2023

Changes to 529 Plans in the SECURE 2.0 ActThe SECURE Act was initially passed by Congress at the end of 2019 and was intended to improve retirement savings opportunities. It was a big deal at the time and the most significant piece of...

 

Thursday, July 6, 2023

What if your child needs braces? The cost may be as much as $6,000 for metal braces—more modern versions can run as much as $13,000. Your health insurance may cover only a portion of the cost. If you're well past the braces stage...

 

Thursday, June 22, 2023

Getting your affairs in order and outlining what you want done with your estate after you’re gone is one of the greatest gifts you can leave your loved ones. However, not preparing for the transfer of your assets can lead to...

 

Wednesday, June 14, 2023

Senior care costs can be overwhelming, particularly when long-term care is required due to illness or medical conditions. With the number of seniors in the U.S. expected to rise exponentially by 2030, it's crucial to be prepared for...

 

Thursday, May 25, 2023

Estate management can be a complex and daunting task for many people, but it’s a critical step in helping your assets get managed and distributed according to your wishes.One popular tool that can be used in estate strategies is...

 

Thursday, May 11, 2023

Economies move in cycles – always have, always willThe Federal Reserve has been steadily increasing interest rates in an attempt to slow the rate of inflation. Its efforts are yielding some results, although inflation remains...

 

Friday, April 28, 2023

Fun fact: You probably have dozens of credit scores out there, and each one might be a different number.You’re probably familiar with a credit score, why it’s essential, and what it’s used for, but do you know how...

 

Monday, April 17, 2023

Discussing personal finances is important for any couple preparing for marriage. However, this topic can be more complicated for those who remarry later in life.If you’re remarrying later in life, one of your goals should be to...

 

Wednesday, April 12, 2023

As we get older, it’s important that our adult children are prepared to manage any aging-related situations that may arise. This includes everything from having to make medical and financial decisions to determining assisted...

 

Monday, March 20, 2023

Every parent wants the best for their children and strives to prepare them to lead a happy, healthy, and successful life. But, despite understanding the importance of financial responsibility, only 28 percent of parents speak to their...

 

Monday, March 6, 2023

Transitioning from Private Health Insurance Plans to MedicareAs you approach retirement age, you may be anticipating transitioning from your private insurance to Medicare, which is a federal health insurance program that provides...

 

Wednesday, February 15, 2023

According to the Investment Company Institute, near the end of 2022, there was more than $4.7 trillion in cash sitting in U.S. money market funds.1,2While cash can play a role in a diversified portfolio, historically, cash has not kept...

 

Wednesday, February 8, 2023

By 2040, the U.S. Census Bureau estimates that 80 million people in the U.S. will be age 65 or older.1 Most of these senior adults will either want to—or need to—"age in place," living in their homes securely, independently...

 

Monday, January 23, 2023

With the possibility of a recession looming, it's natural for those nearing or in retirement to have concerns over their long-term strategies. After decades of accumulating a portfolio, the last thing retirees want is for a market...

 

Monday, January 9, 2023

NICHE - 1/9 Senior Fraud: How to Identify 7 Common Scams Targeting SeniorsWhen you've worked hard to build your retirement savings, you want to ensure you're taking every preventative measure to protect it. Unfortunately, more and more...

 

Wednesday, January 4, 2023

In October 2022, the Internal Revenue Service (IRS) announced tax changes for 2023 — changes primarily driven, in part, by the current inflationary environment. For affluent couples or individuals interested in transferring...

 

Monday, December 12, 2022

In today’s social media-obsessed world full of popular “influencers” targeting teens, pre-teens, and even younger groups, instilling values in your children and grandchildren about what really matters in life is more...

 

Monday, December 5, 2022

In late October, the IRS announced that it is increasing contribution limits to retirement savings accounts in 2023. The changes, like many you are seeing, are a direct result of months of high inflation and financial uncertainty, some...

 

Monday, November 28, 2022

The year is almost over, and it has certainly been a bumpy one for the financial markets and our economy. As financial professionals, we work with families to design investment strategies that help them pursue their goals for education...

 

Monday, November 14, 2022

Despite the challenges of the past few years, Americans continued to give to charities at impressive rates. According to a Bank of America study, in 2021, individuals gave $484.85 billion, a 4% increase from already record levels in...

 

Tuesday, November 1, 2022

Key points:One of the biggest components of the Inflation Reduction Act is the changes to healthcare costs and coverage.The Inflation Reduction Act requires all pharmaceutical companies to rebate Medicare participants for the...

 

Monday, October 24, 2022

If you haven’t heard much about ESG investing, you will. ESG has gone from a niche investment philosophy to a mainstream investment tenant. At the same time, it has gained the attention of corporations, politicians, regulators,...

 

Wednesday, October 12, 2022

Over 50% of consumers have fallen victim to a cybercrime, with a third of those attacks taking place in the past year alone. So there are 263 million American consumers. 131.5 million have been hit by cybercrime, with 44 million...

 

Tuesday, October 4, 2022

Most people are used to having a percentage of their paycheck withheld for Social Security. The withholding rate in 2022 stands at 6.2% for individuals and another 6.2% for their employers, for a total of 12.4% per person.1 But...

 

Tuesday, September 13, 2022

Several factors will affect the cost and availability of life insurance, including age, health, and the type and amount of insurance purchased. Life insurance policies have expenses, including mortality and other charges. If a policy...

 

Thursday, August 25, 2022

The end of summer and the start of the school year always seem to be a catalyst for conversations about college savings and where they fit into larger, long-term financial strategies. In particular, the 529 college savings plan, with...

 

Tuesday, August 16, 2022

With inflation at 40-year highs, the Fed is aggressively hiking interest rates; but it's a tricky proposition: raise rates too much and many fear the next recession is right around the corner. Markets have been reflecting that fear,...

 

Wednesday, August 10, 2022

Is Now a Good Time for a Roth IRA Conversion?We know that taxes are one of life’s two inevitables. So, the question is not if you will pay taxes on your retirement accounts, but when and how much. That’s where Roth IRAs...

 

Friday, December 13, 2019

The Federal Reserve’s (Fed) final policy meeting of 2019 starts today and will conclude tomorrow with the release of the Fed’s policy statement, updated economic projections, and a press conference by Fed Chair Jerome...

 

Friday, December 6, 2019

Have you ever wondered what would happen to your One of the more onerous tax issues facing business owners is determining what type of employee compensation is taxable. This may be especially true for small business owners who often...

 

Tuesday, December 3, 2019

It may be better to give than to receive, but it may be even better to give and see your generosity rewarded. Charitable giving can play a valuable role in your financial and tax strategies. A well-planned gift to charity could provide...

 

Tuesday, December 3, 2019

Hindsight is 20/20, but finding clarity in future uncertainty can be fuzzy. AT LPL RESEARCH, as we look forward to the year 2020 and a new decade, some key trends and market signals will be important to watch, including progress on U.S...

 

Tuesday, November 26, 2019

It took nearly 15 months, but the Russell 2000 Index finally broke out to a new 52-week high. On November 25, the Russell 2000 gained an impressive 2.1% to close at its highest level since October 2018. Small caps have lagged their...

 

Monday, November 25, 2019

Dear Valued Investor: Turning the calendar from October to November brought more than trick-or-treaters, pumpkins, and leaves to rake. It also brought a wave of important economic updates that delivered more treats than tricks and...

 

Wednesday, November 20, 2019

“We’re going streaking!” Frank The Tank in Old School As the bull market continues to make new highs, the past few weeks have seen some amazing market streaks. Here are three that have caught our attention. The S&P...

 

Wednesday, November 20, 2019

As a business owner, you should carefully consider the advantages of establishing an employer-sponsored retirement plan. Generally, you're allowed a deduction for contributions you make to an employer-sponsored retirement plan. In...

 

Wednesday, November 13, 2019

The S&P 500 Index has closed higher five consecutive weeks, making six new all-time highs along the way. There now have been 19 new highs in 2019, tying the number we saw last year. There’s no doubt that this bull market has been...

 

Wednesday, November 6, 2019

“An object in motion tends to remain in motion along a straight line unless acted upon by an outside force.” Sir Isaac Newton What a year it has been for the bulls. The S&P 500 Index recently made four more new highs, and...

 

Tuesday, November 5, 2019

As a business owner, you should carefully consider the advantages of establishing an employer-sponsored retirement plan. Generally, you're allowed a deduction for contributions you make to an employer-sponsored retirement plan. In...

 

Tuesday, November 5, 2019

We live in an age of medical miracles. People live longer than ever before, and life expectancies are increasing at a steady rate. This means that many of us will be fortunate enough to still have our parents with us as we ourselves...

 

Monday, November 4, 2019

Self-employment is the opportunity to be your own boss, to come and go as you please, and oh yes, to establish a lifelong bond with your accountant. If you're self-employed, you'll need to pay your own FICA taxes and take charge of...

 

Monday, November 4, 2019

At a time when your career is reaching a peak and you are looking ahead to your own retirement, you may find yourself in the position of having to help your children with college expenses while at the same time looking after the needs...

 

Thursday, October 31, 2019

Self-employment is the opportunity to be your own boss, to come and go as you please, and oh yes, to establish a lifelong bond with your accountant. If you're self-employed, you'll need to pay your own FICA taxes and take charge of...

 

Wednesday, October 30, 2019

The Federal Reserve Bank (Fed) is widely expected to cut interest rates on Wednesday, October 30, which would be the third cut this year after nine consecutive hikes. The current fed funds rate target is 1.75–2%, with a 25 basis...

 

Wednesday, October 23, 2019

The United Kingdom’s (U.K.) withdrawal from the European Union (E.U.), or Brexit, is stumbling along, and another delay looks increasingly likely. The U.K. Parliament’s “Super Saturday” voting session last...

 

Tuesday, October 22, 2019

Insurance serves many purposes for a business. You'll need insurance to protect your business from property damage, personal injury suits, and other forms of financial loss. In addition, you may want to provide your employees with...

 

Wednesday, October 16, 2019

The debate over the United Kingdom’s (U.K.) withdrawal from the European Union (EU), or Brexit, is reaching another milepost in what could be an action-packed week. Talks between the U.K. government and the EU have entered...

 

Tuesday, October 15, 2019

Contrary to what many people think, trusts are not reserved only for the wealthy. The truth is, people from all walks of life may benefit from a trust. What Is a Trust? Generally speaking, a trust is a legal entity that allows someone...

 

Wednesday, October 9, 2019

“The economy, stupid” — Phrase campaign strategist James Carville used to help Bill Clinton get elected in 1992. As Carville noted ahead of the 1992 election, the recession in 1990 and 1991 was top of mind for many...

 

Tuesday, October 8, 2019

Dear Valued Investor: Summer has turned to fall, and there’s already a little chill in the air. Three-quarters of the year is behind us now, and both stock and bond markets have had a strong year so far, although we expect to see...

 

Tuesday, October 8, 2019

You can see it just ahead, looming on the horizon -- the holiday season. While children can hardly stand the wait, adults often wish they had a few more months before its arrival. Unfortunately, time does not stop. This year, don't...

 

Wednesday, October 2, 2019

U.S. manufacturing activity fell to a 10-year low, dragged down by a weakening global economy. The Institute for Supply Management’s (ISM) Purchasing Managers’ Index (PMI) fell to 47.6 in September, the lowest level since...

 

Tuesday, October 1, 2019

You’re an entrepreneur and you’re not looking back. You’ve opened your own business, whether alone or with other partners, and you’ve found some success. You’ve hired employees, or not, depending on your...

 

Wednesday, September 25, 2019

As shown in the LPL Chart of the Day, the 10-year Treasury yield jumped 34 basis points (0.34%) in the week ending September 13, then gave back half that gain in a 17 basis point (0.17%) slide last week. The benchmark yield...

 

Tuesday, September 24, 2019

Two of the main reasons why employers offer group health insurance are to attract new employees and to retain existing employees. Unfortunately, many employees overlook the value of group health insurance until they have to find health...

 

Friday, September 20, 2019

Many adults are finding that their aging parents are in need of health care assistance. Luckily, there are many options available today to help your parents grow old gracefully, either in their own home or in a facility, and several...

 

Wednesday, September 18, 2019

Consumer inflation has accelerated recently, bucking disinflation and deflation concerns that had permeated financial markets earlier this year. In August, the core Consumer Price Index (CPI) increased at least 0.3% for a third...

 

Tuesday, September 10, 2019

Keeping good business records will not only help you stay in business but may also help you increase profits. Your business records let you analyze where your business is and where it's going. They point out potential trouble spots and...

 

Wednesday, September 4, 2019

First and foremost, our thoughts are with all of those that were impacted by Hurricane Dorian over the Labor Day holiday and all those that are still in its path. Many have asked us what stocks tend to do after a major hurricane hits...

 

Wednesday, September 4, 2019

First and foremost, our thoughts are with all of those that were impacted by Hurricane Dorian over the Labor Day holiday and all those that are still in its path. Many have asked us what stocks tend to do after a major hurricane hits...

 

Wednesday, August 28, 2019

Business investment remains a critical component for this economic expansion. Capital expenditures (capex) drive productivity gains (more output per hour worked), which enables economic growth while keeping inflation contained. That...

 

Wednesday, August 21, 2019

Trade tensions continue to weigh on China’s growth, creating added pressure to reach a trade deal with the United States. Economic reports released last week provided further confirmation that the trade war is continuing to...

 

Wednesday, August 14, 2019

Consumer inflation has surged back after a strong quarter of U.S. consumer demand. As shown in the LPL Chart of the Day, Consumer Inflation Picks Up in July, the core Consumer Price Index (CPI), which excludes food and energy prices,...

 

Wednesday, August 7, 2019

We’re a week into August, and trade tensions have been the biggest driver of U.S. stocks, as we predicted in our latest Weekly Market Commentary. Markets don’t like uncertainty, and we are getting a heavy dose of it now. On...

 

Wednesday, July 31, 2019

It has been a great year for stocks. As of July 30, 2019, the S&P 500 Index is up more than 20% so far in 2019. To put that in perspective, since WWII only seven years have been up more than 20% by the end of July, with 1997 being the...

 

Friday, July 26, 2019

The odds of winning the lottery are astronomically long. Yet, the allure of pocketing hundreds of millions of dollars can tempt even the staunchest penny pincher. While there's no harm in playing your lucky numbers every now and again,...

 

Wednesday, July 24, 2019

“I’ve been on a calendar, but I’ve never been on time.” Marilyn Monroe We’ve pondered where the S&P 500 Index could go now that it’s near our fair-value target of 3,000. As we discussed in the latest...

 

Monday, July 22, 2019

One extra curricular activity that every student should master before heading off to college is personal money management. Typically, a student’s day-to-day spending is done on an ad-lib basis, meaning that overspending is the...

 

Friday, July 19, 2019

529 savings plans are tax-advantaged education savings vehicles and one of the most popular ways to save for college today. They can also be used to save for K-12 tuition. Much like the way 401(k) plans changed the world of retirement...

 

Friday, July 19, 2019

College marks a great milestone in a child’s life. It may be the first time he or she will live away from home. Dropping off your child at college may be an experience loaded with emotions, so here are a few tips for a smoother...

 

Friday, July 19, 2019

Wealth can be a mixed blessing -- one that creates great opportunity as well as weighty responsibility -- especially for children. As a parent, grandparent, or concerned relative, you hope to pass on what you have learned about...

 

Wednesday, July 17, 2019

Blue chip stocks have been on a tear this month. The Dow Jones Industrial Average (Dow) has risen 2.8% in July, the best performer of the four benchmark stock indexes we track. As shown in the LPL Chart of the Day, The Dow’s Hot...

 

Monday, July 15, 2019

Charitable giving can play an important role in many estate plans. Philanthropy cannot only give you great personal satisfaction, it can also give you a current income tax deduction, let you avoid capital gains tax, and reduce the...

 

Wednesday, July 10, 2019

The June jobs report was solid. Nonfarm payrolls rose 224,000, according to data released July 5. As shown in the LPL Chart of the Day, Strong June Payrolls Gain Surprises Investors, the rise in jobs last month handily beat estimates...

 

Tuesday, July 9, 2019

A business will is far more than a legal document designed to transfer assets upon the death of an owner or partner. It is a comprehensive estate planning tool that can include everything from management plans, and other documents...

 

Wednesday, July 3, 2019

The 10-year Treasury yield has been flirting with dipping below 2% throughout the later half of June and into the start of July. As our LPL Chart of the Day, Will Trade Truce Help 2% 10-Year Treasury Yield Hold?, shows, the yield has...

 

Tuesday, July 2, 2019

Vacation homes require a special type of insurance--one that protects your vacation home but doesn't overlap with your already existing homeowners insurance coverage. Here are some things to consider when insuring your vacation home....

 

Friday, June 28, 2019

Tip: How Old Are You? Age can makes a difference in the cost of a long-term care policy. Generally, the older you are when you purchase a policy, the higher you can expect the premiums to be. Source: U.S. Department of Health and Human...

 

Friday, June 28, 2019

Whole life insurance remains in force for your whole life, as long as you remain current with your premiums. In exchange for fixed premiums, the insurance company promises to pay a set benefit when the policyholder dies. Whole life...

 

Tuesday, June 25, 2019

We are pleased to announce the release of the LPL Research Midyear Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets, with investment insights and market guidance through the end of 2019. LPL Research...

 

Wednesday, June 19, 2019

U.S. stocks could have a big year if LPL Research’s forecasts prove correct. All year, we’ve maintained our fair value target on the S&P 500 Index of 3,000, implying that we expect this bull market and economic expansion to...

 

Tuesday, June 18, 2019

When it comes to saving for retirement, maybe you've done everything right. You started early, maxed out your 401(k) plan, invested in a diversified portfolio and avoided costly mistakes, such as cashing out your retirement plan....

 

Wednesday, April 3, 2019

What a start to 2019! The S&P 500 Index had its best first quarter since 1998—gaining 13.1%. Taking a deeper look at the data reveals another rare occurrence: The S&P 500 was higher each of the first three months of the year for...

 

Wednesday, March 27, 2019

The Conference Board’s Leading Economic Index (LEI) is one of our favorite economic indicators. It is designed to predict future movements in the economy based on a composite of 10 economic indicators (like manufacturers’...

 

Wednesday, March 27, 2019

In times of crisis, you don't want to be shaking pennies out of a piggy bank. Having a financial safety net in place can ensure that you're protected when a financial emergency arises. One way to accomplish this is by setting up a...

 

Wednesday, March 20, 2019

After dropping nearly 20% late last year, the S&P 500 Index has officially bounced up more than 20% from the December 24 lows. As we noted at the time, most bear markets that take place in a non-recessionary environment tend to bottom...

 

Monday, March 18, 2019

If you have a refund check coming your way, consider using it to bolster your personal balance sheet. The average refund is usually around $3,000, and most people receive the money within three weeks of filing their returns. That's a...

 

Monday, March 18, 2019

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn't it? But that's what...

 

Monday, March 18, 2019

Investing with an eye toward promoting social, political, or environmental concerns (or at least not supporting activities you feel are harmful) doesn't mean you have to forgo pursuing a return on your money. Socially responsible...

 

Monday, March 18, 2019

Many parents teach their children the ABCs at a very young age, but do they teach them the ABCs of good credit? At certain points in life, everyone must deal with banks, loans, credit, and finances. You may have learned your lessons...

 

Monday, March 18, 2019

In case you haven't noticed, it's tax time again. You have your 1040 package, your W-2, and various 1099 forms. And, with April 15th fast approaching, it is time to get down to business. A glance at the following questions and answers...

 

Monday, March 18, 2019

This modern twist on the Ben Franklin maxim reflects the multiplicity of taxes to which earnings are subject in today’s world.¹ Finding ways to manage expenses is one of the cornerstones of a sound financial strategy. Here...

 

Wednesday, March 13, 2019

The S&P 500 Index corrected nearly 20% from the September peak until December 24 before staging a furious rally of 19%. What could happen next? A well-deserved pullback would be perfectly normal, and in fact, is probably needed before...

 

Wednesday, February 27, 2019

After gaining 7.8% in January, the S&P 500 Index has added another 3.3% so far in February for a grand total year-to-date return of 11.4%. With two days to go, currently this is the best first two months of the year since 1987. As we...

 

Monday, February 25, 2019

Investing in your own business makes sense; many businesses achieve significant growth each year. However, when you consider that many small businesses fold every year, it becomes clear that banking your retirement solely on the...

 

Monday, February 25, 2019

No matter how careful you are in running your business, accidents happen. And no matter how big or small your business, you'll have to plan for these and other risks if you want your business to thrive. One way to do this is with...

 

Monday, February 25, 2019

Self-employment is the opportunity to be your own boss, to come and go as you please, and oh yes, to establish a lifelong bond with your accountant. If you're self-employed, you'll need to pay your own FICA taxes and take charge of...

 

Monday, February 25, 2019

More women are working and taking charge of their own retirement planning than ever before. What does retirement mean to you? Do you dream of traveling? Pursuing a hobby? Volunteering your time, or starting a new career or business?...

 

Monday, February 25, 2019

As a business owner, you should carefully consider the advantages of establishing an employer-sponsored retirement plan. Generally, you're allowed a deduction for contributions you make to an employer-sponsored retirement plan. In...

 

Thursday, February 21, 2019

As days turn into weeks and weeks turn into months, it may feel like there is little time to catch up on all of your financial responsibilities. Sometimes it may be easier to simply toss ATM receipts, credit card bills, and bank...

 

Wednesday, February 20, 2019

Economic data have consistently missed expectations recently as investors and Wall Street have struggled to quantify the impact of global trade and political risks. As shown in the LPL Chart of the Day, the Bloomberg U.S. Economic...

 

Wednesday, February 13, 2019

“Bulls make money, bears make money, and pigs get slaughtered.” Old Wall Street saying. The Chinese New Year (often called the Lunar New Year) kicked off Tuesday, February 5, and with it came the Year of the Pig. Although...

 

Tuesday, February 12, 2019

Most children stop being “and-a-half” somewhere around age 12. Kids add “and-a-half“ to make sure everyone knows they’re closer to the next age than the last. When you are older, “and-a-half”...

 

Thursday, February 7, 2019

The transition to adulthood is an exciting new stage that marks true independence. You may have graduated from college, taken your first job, and even rented your first apartment. With this new freedom come real responsibilities,...

 

Thursday, February 7, 2019

Charles de Gaulle once remarked, “The graveyards are full of indispensable men.”¹ While we know that life goes on regardless of the loss of any “indispensable” person, for a small business, the loss of a...

 

Thursday, February 7, 2019

Some people approach buying a car like they approach marriage, “till death do us part.” Others prefer to keep their options open, trading in every few years for the latest body style, the hottest technology, or the highest...

 

Thursday, February 7, 2019

According to Yale University's Crash Confidence Index, only about 27% of investors are confident the stock market will not crash sometime during the next six months.1 But if fear leads investors to avoid the entire investment class,...

 

Monday, February 4, 2019

You’re young, have little in savings and likely have no one yet relying on you financially. So why do you need to think about estate management?¹ Here are four great reasons: Estate Strategies: They're Not Just for the...

 

Wednesday, January 30, 2019

Investors have increasingly positioned for a Federal Reserve (Fed) pause, which could portend a shift in fixed income markets. Fed fund futures are pricing in about a 70% probability that the Fed will keep rates unchanged for the rest...

 

Monday, January 28, 2019

Every year the Internal Revenue Service (IRS) releases its list of tax scams, spotlighting the myriad ways that people try to separate you from your money.¹ The “Dirty Dozen” Identity Theft Using your personal...

 

Wednesday, January 23, 2019

Recent U.S. economic data have been sending a lot of conflicting signals, and Wall Street’s economic outlook is more clouded than at any point of the cycle. Because of this, we thought we’d provide some direction from Main...

 

Monday, January 21, 2019

While Americans are entitled to take every legitimate deduction to manage their taxes, the Internal Revenue Service (IRS) places limits on your creativity. Here are some examples of deductions from the IRS that were permitted and some...

 

Wednesday, January 16, 2019

Yesterday’s U.K. Parliament vote was another bump in the road for Brexit. As shown in the LPL Chart of the Day, the British pound and the euro have steadily declined over the past few months, weighed down in large part by...

 

Monday, January 14, 2019

Forty-four percent of American women are the primary breadwinner in their house.1 Yet only 10% of women feel very confident in their ability to fully retire with a comfortable lifestyle.2 Although more women are providing for their...

 

Thursday, January 10, 2019

Carve your name on hearts, not tombstones. A legacy is etched into the minds of others and the stories they share about you.¹Shannon L. Alder The desire to leave a legacy may be the height of altruism, for it is a gift to the...

 

Thursday, January 10, 2019

The gap between setting goals and achieving them can be difficult to bridge. To enhance the chances of achieving personal goals, reminders and motivation are essential; making a New Year’s resolution is simply not enough. A...

 

Wednesday, January 9, 2019

Stocks have rebounded strongly off the December lows, with the S&P 500 Index adding 2% in January to its 7% gain over the last week of 2018. We see potential for further gains ahead given the fundamentals supporting economic growth...

 

Friday, January 4, 2019

The baby boomers have re-defined everything they’ve touched, from music to marriage to parenting and, more lately, to what “old” means—60 is the new 50! Longer, healthier living, however, can put greater stress...

 

Sunday, December 30, 2018

Eat healthier. Get more exercise. Save more money. Those were the top New Year's resolutions for 2018, according to Statista.1 Few people achieved them. One of the reasons so few resolutions become reality is because people tend to...

 

Thursday, December 20, 2018

Holidays can be joyful and a little stressful. Here are a few ways to bring a moment of happiness into your life and the lives of those around you:1 • Take time to call an old friend.• Buy coffee for a stranger.• Briefly chat with your...

 

Friday, November 30, 2018

When the ups and downs of stock markets leave you stressed and wondering whether stocks really will help you pursue your long-term financial goals, there are two things to remember:1. Historically, over long periods, stocks have tended...

 

Friday, November 30, 2018

When the ups and downs of stock markets leave you stressed and wondering whether stocks really will help you pursue your long-term financial goals, there are two things to remember:1. Historically, over long periods, stocks have tended...

 

Tuesday, November 20, 2018

Thanksgiving is a true American holiday. It celebrates generosity and gratitude, and it recognizes the relationships that helped colonists who arrived on the Mayflower in 1620 survive beyond their first winter. History.com explained:1...

 

Thursday, November 8, 2018

There are more than 20 million veterans living across the United States. These men and women fought in World War II, the Korean War, the Vietnam War, the Gulf War, the Iraq War, the War in Afghanistan, which continues today, and many...

 

Tuesday, October 30, 2018

It’s a pricey question.It’s a pricey question.College Board estimated the average cost for full-time, in-state students who live on campus at four-year public colleges or universities during the 2017-18 school year is $25,290...

 

Monday, October 29, 2018

If trick-or-treating in your neighborhood requires a trick to get a treat, your little ghosts and goblins will need some short and easy-to-remember options. Here are a few that were recommended by Reader’s Digest:1• What has hundreds...

 

Wednesday, October 10, 2018

Remember the television classic, Green Acres? Eddie Albert, who portrayed a New York City lawyer, and Eva Gabor, who portrayed his sophisticated spouse, move from the big city to the country – and it’s not quite what they expected...

 

Monday, October 1, 2018

Here’s a number that will knock your socks off: $400 trillion.1By 2050, the retirement savings shortfall in eight of the world’s largest economies is expected to reach $400 trillion, according to estimates from the World Economic Forum...

 

Thursday, August 30, 2018

Labor Day is set aside to celebrate the social and economic achievements of American workers. It was proposed as a holiday by Matthew Maguire in 1882 while he served as secretary of the Central Labor Union in New York, NY. The labor...

 

Wednesday, August 29, 2018

How long will you live? How long will you live? It’s not a question anyone can answer with any certainty, and that creates a significant risk when planning for retirement. Your retirement may last for a long time, and you will need to...

 

Thursday, August 2, 2018

In recent years, investors have largely ignored geopolitical risks. Russia’s invasion of the Crimean Peninsula, the Brits’ vote to leave the European Union (EU), unrest in the Middle East, and other global events have not affected...

 

Thursday, July 5, 2018

In the olden days, the word ‘subscription’ typically was applied to just magazines and newspapers. Today, that’s not the case. Americans are buying everything from meal kits to baby products to vitamins by subscription. A McKinsey &...

 

Monday, July 2, 2018

On July 4, 1776, the American colonies banded together and declared independence from Great Britain. The countries had been at war for more than a year due to a number of issues, particularly in regards to harsh taxation and a lack of...

 

Thursday, June 28, 2018

To the relief of many South Africans, Day Zero has been pushed back to 2019. Day Zero is the date on which Cape Town will run out of water, and its four million residents will begin to collect daily water rations of about seven gallons...

 

Thursday, June 14, 2018

There are many perceived requirements of being a dad. “One of the jobs of a good dad is to help kids become a little tougher, a little more resilient, a little more separate…dads push kids to leave the nest; they brush off the dirt...

 

Wednesday, June 6, 2018

The words ‘bear market’ have been bandied about a lot lately. When you read or hear them, remember to respond the same way you would if you saw an actual bear in the woods – by staying calm and keeping your wits about you. A changing...

 

Thursday, May 24, 2018

If you’ve ever composed a grocery list in your head while driving carpool and listening to your children discuss who got in trouble at school and why, then you know what it’s like to have your attention divided. If you’ve ever worked...

 

Thursday, May 10, 2018

Mother’s Day is almost here! We all have moms and, whether they gave birth to us or not, they have helped us become the people we are today. Here are 10 reasons moms are so important, adapted from Psychology Today:11. She gave birth to...

 

Saturday, April 28, 2018

Understanding family attitudes towards money may improve financial decisions and reduce financial stress. Understanding family attitudes towards money may improve financial decisions and reduce financial stress. People inherit more...

 

Thursday, April 5, 2018

Technology is a life changer. GPS has improved interpersonal relations by eliminating arguments about asking for directions. Apps for car services, food delivery, video streaming, news media, and social media have changed the way we...

 

Wednesday, March 28, 2018

“There’s no place like home.”1Conjuring an image of ‘home’ was a lot easier for Dorothy than it is for people who are on the cusp of retirement. After all, isn’t retirement supposed to be a new start? Aren’t retirees supposed to wave...

 

Wednesday, March 14, 2018

It’s almost time to don green and gold. That’s right, March 17 is upon us. There’s more to the holiday, however, than eating corned beef and cabbage and celebrating the Irish. For instance, St. Patrick is the patron saint of Ireland,...

 

Tuesday, February 27, 2018

Here’s a number most people would like to see on an annual statement: 21.6 percent. That was the annual return for the Standard & Poor (S&P) 500 Index during 2017. In general, U.S. stock indices did quite well last year – and the year...

 

Monday, February 12, 2018

If you’re looking for a gift that will express your love better than chocolates or a bouquet of flowers, don’t fret. Trendhunter.com has some innovative and unconventional suggestions:• Literary love tattoos. Perhaps, you’d like Rainer...

 

Tuesday, January 30, 2018

Here’s a riddle for you: Some people are reluctant to start me, unless I’m automatic. I’m frequently exhausted when I don’t roll over. I’m sometimes left behind. Retirees devour me. What am I? Answer: A retirement savings plan.New jobs...

 

Thursday, January 11, 2018

Most Americans know Martin Luther King, Jr. was a Baptist minister and the leader of the Civil Rights Movement in the United States until he was assassinated in 1968. Test your knowledge with this quiz about Dr. King.1. Before...

 

Wednesday, January 3, 2018

Fifteen years ago, a Health Services Research report described the challenges ahead for the United States as the Baby Boom generation aged into retirement. Four issues were paramount: 1) improving payment and insurance systems for...

 

Thursday, December 28, 2017

The last bear market in bonds began in the middle of the last century and lasted for about 31 years. Some investors who bought bonds in 1950 locked in relatively low rates of return for a very long time. On January 1, 1950, 10-year U.S...

 

Thursday, December 28, 2017

New years bring new adventures, and 2018 is no different. To paraphrase Ed Sullivan: 2018 could be a really big year. Here are a few of the events we can look forward to:• Men’s World Cup in Russia. CBS’s power rankings put Brazil at...

 

Wednesday, December 20, 2017

“The holidays are often seen as a time of joy: ruddy cheeks, festive parties, and twinkling laughter, all wrapped in a warm, tinsel-framed glow. It’s the most wonderful time of the year! It may be the ‘season to be jolly,’ but not...

 

Wednesday, November 29, 2017

There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for retirement. There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for...

 

Sunday, November 19, 2017

Thanksgiving is the mother of all family dinners. It’s a celebration of our great nation and the many blessings that occur when people unite together in the spirit of communication. As you’re gathered around the table this year, here’s...

 

Wednesday, November 8, 2017

All too often, we assume the men and women who fought for our country can take care of themselves. Unfortunately, that isn’t always the case. There are some important ways ordinary Americans can help those who are returning from battle...

 

Monday, October 30, 2017

Retirement and Social Security are inextricably linked. Not only did Social Security help establish the official U.S. retirement age at 65, it also provides a significant portion of today’s retirees’ incomes. Retirement and Social...

 

Friday, October 27, 2017

Halloween is almost upon us! Whether you’re wearing a costume, decorating your yard/house, or handing out treats, you won’t be alone. More than 179 million Americans are expected to participate in 2017’s Halloween festivities – and...

 

Wednesday, October 4, 2017

Smartphones are incredibly handy. That may be why about three of every four Americans own them.1 On average, smartphone users spend almost three hours a day – 86 hours every month – using their phones. They send texts and email,...

 

Thursday, September 28, 2017

How times change! In 1940, half of Americans finished their education in eighth grade. College degrees were relatively rare. Just 6 percent of men and 4 percent of women had one.1During the past 80 years, college has become far more...

 

Thursday, August 31, 2017

Labor Day is about a lot more than the end of summer and the start of a new school year. The holiday, which celebrates American workers, became a federal holiday in 1894 and was created to recognize the contributions and achievements...

 

Wednesday, August 30, 2017

In a 2002 interview with Mike Wallace, former First Lady Nancy Reagan said she often reread the love letters written by her husband, former President Ronald Reagan. The letters, which had sustained and enriched their relationship,...

 

Friday, July 28, 2017

While some may be concerned about the iconic American meat that arrives in a rectangular 12-ounce tin (and is inexplicably popular in certain island states and American territories), more should be wary of its namesake – the spam that...

 

Wednesday, July 12, 2017

The idea of Artificial Intelligence (AI) may bring to mind movies like Terminator, Wall-E, and Transcendence, but the reality of AI is expected to help people find answers to some significant issues. For example, a PwC survey found:1 •...

 

Friday, June 30, 2017

On July 4, 1776, the American colonies claimed independence from Britain. This declaration eventually led to the formation of the United States. As we celebrate the birth of our great nation, test your knowledge with this brief quiz.1...

 

Thursday, June 29, 2017

The bull market in U.S. stocks has been charging ahead for more than eight years.1 While that’s young in people years, it’s ancient in bull market terms. Since World War II, the longest bull market in U.S. stocks lasted for almost...

 

Thursday, June 15, 2017

You’re probably familiar with ‘20 Questions.’ It’s a classic long-distance-car-trip game that encourages creativity and deductive reasoning. On this Father’s Day, try playing a version that can help you learn a lot more about your...

 

Tuesday, May 30, 2017

Wouldn’t it be something if you could plump up your retirement savings as easily as you can put on a few pounds eating fast food? Here’s one way to do it: Open a health savings account (HSA). It offers a triple tax advantage and you...

 

Thursday, May 25, 2017

Memorial Day is a day of remembrance for those who have given their lives in the service of our country. See what you know about Memorial Day by answering a few questions from an AARP quiz.1 1. Memorial Day was created to honor...

 

Thursday, May 11, 2017

Changing diapers, arranging play dates, driving car pools, calming squabbling siblings, attending musicals and sporting events, chaperoning proms, coaching teams, helping with college applications…moms have a lot of responsibilities....

 

Thursday, April 27, 2017

We are all, inexorably, marching toward old age. By 2030, 72 million Americans will be age 65 or older.1 The good news is longevity has been improving, and people are remaining healthy and vibrant at older ages. The bad news is...

 

Monday, April 3, 2017

Some people may name a medical device or implant, such as a hearing aid, an artificial joint, or a pacemaker. Others may say they couldn't live without their electric bikes, GPS devices, tablets, or food processors. A surprisingly...

 

Thursday, March 30, 2017

It’s tax season! Every year, around this time, the Internal Revenue Service (IRS) publishes its dirty dozen – a list of scams criminals use to try and ferret out personal information and/or steal money.1 For example, if you received an...

 

Wednesday, March 15, 2017

It has been said everyone in America is Irish on St. Patrick’s Day. Whether you have Irish ancestry or merely enjoy a good celebration, test your knowledge of the old country by taking this quiz. 1. What is Gaeltacht?1a. A region of...

 

Monday, February 27, 2017

More than one-half of working Americans know little or nothing about Medicare costs.1 Not knowing can be expensive. On average, people who haven’t yet retired estimate they’ll spend approximately $50,000 on health care after retirement...

 

Friday, February 10, 2017

The celebration of Valentine’s Day is attributed to Geoffrey Chaucer who wrote a poem about love and St. Valentine in the 1300s. Although this poem did not mention chocolate, the tasty treats have since become a Valentine’s Day...

 

Monday, January 30, 2017

How many times did you login to a digital account today? It probably was more than once. Some people access digital sites via computer or tablet, but many others rely on their phones. Deloitte recently reported the essentials of life...

 

Thursday, January 12, 2017

In 1964, Dr. Martin Luther King, Jr. received the Nobel Peace Prize. He accepted the award and took the opportunity to articulate his hope the civil rights movement would be successful, as well as his hope for all mankind:1 “…I must...

 

Thursday, January 12, 2017

In 1964, Dr. Martin Luther King, Jr. received the Nobel Peace Prize. He accepted the award and took the opportunity to articulate his hope the civil rights movement would be successful, as well as his hope for all mankind:1 “…I must...

 

Tuesday, January 3, 2017

…And, it may have some thorns. There’s something you should know about retirement. It’s not as easy as everyone makes it seem. Remember what life was like when you tied the knot? How about once you had children? Or, when you accepted a...

 

Thursday, December 29, 2016

Holiday Greeting - The Way You Eat in 2017 What can we expect in the New Year? If international food consultancy Baum + Whiteman is correct, we may find ourselves embracing new food trends including:1 • Restaurants without seats. We...

 

Thursday, December 29, 2016

Retirement IncomeHere’s a million dollar question: How will you transform your savings into income that will last throughout your retirement?1There are probably as many answers to that question as there are retirees. However, all...

 

Wednesday, December 21, 2016

We hope your holidays will be filled with family, friends, merry-making, and good cheer. One way to ensure a happy holiday season is to stay safe online. Here are a few tips that may help. 1. When using public Wi-Fi at a hotel, coffee...

 

Tuesday, November 29, 2016

For about 35 years, investors have enjoyed a bull market in bonds. At the start of 1982, the interest rate on 10-year U.S. Treasury bonds was 14.2 percent. By November 1, 2016, interest rates had fallen to 1.8 percent.1 Since bond...

 

Tuesday, November 22, 2016

Thanksgiving is America’s second favorite holiday,1 and it offers something for everyone. You can enjoy family togetherness, feasting, football, school plays, parades, gratitude, and, of course, shopping. If you’re a traditionalist,...

 

Wednesday, November 9, 2016

“American soldiers in battle don’t fight for what some president says on TV. They don’t fight for Mom, apple pie, the American flag. They fight for one another. ”1 Stars and Stripes used the words of Lieutenant Colonel Harold “Hal”...

 

Friday, October 28, 2016

In the 1970s, a TV episode of The Odd Couple taught viewers never to assume.1 It’s a lesson we appear to have forgotten. Many Americans assume Medicare will provide financial assistance to help with long-term care costs in retirement....

 

Friday, October 28, 2016

In the 1970s, a TV episode of The Odd Couple taught viewers never to assume.1 It’s a lesson we appear to have forgotten. Many Americans assume Medicare will provide financial assistance to help with long-term care costs in retirement....

 

Thursday, October 27, 2016

People of a certain age will remember ‘It’s The Great Pumpkin, Charlie Brown.’ The animated television special debuted in 1966,1 way back when there were only a few channels and you had to get out of your seat to change them from one...

 

Friday, September 30, 2016

That’s how much Americans had spent on pain relief medications and treatments when the Institute of Medicine (IOM) completed its report in 2011. If you factor in lost productivity, the economic cost of pain rose to more than $560...

 

Thursday, September 29, 2016

If you ask people what creates stress in their lives, money is often at the top of the list. Stress in America: Paying With Our Health found money was a somewhat or a very significant source of stress in the lives of 64 percent of...

 

Thursday, September 1, 2016

Labor Day weekend — the three days dedicated to celebrating American workers — marks the end of summer and, for some, the start of a new school year. It’s a good time to relax and ponder thoughts about work and play: “No work is...

 

Tuesday, August 30, 2016

You may not have heard of the Longevity Market but, if you’re older than 50, you’re one of its 74.9 million members.1 It may be easiest to think of the Longevity Market as another way of describing the Baby Boom and preceding...

 

Thursday, July 28, 2016

Most investors are familiar with the maxim ‘buy low and sell high.’ The unfortunate reality is that it’s a difficult principle to follow. Buying low often means investing in a company when its shares are priced below full value.Of...

 

Tuesday, July 5, 2016

Would you accompany a group of high school students studying photojournalism and social change in Argentina? How about a group learning about language and culinary traditions in France? Does working for a season or two in a great place...

 

Thursday, June 30, 2016

Our Founding Fathers structured American democracy and left a legacy that has greatly influenced the world. This Fourth of July, see what you know about the Founding Fathers by taking this brief quiz. 1. Who were America’s Founding...

 

Wednesday, June 29, 2016

You may be asking yourself whether that’s a trick question. After all, almost one-third of 18- to 34-year-olds are still living at home with their parents. It is, in fact, the most common living arrangement for this age group and a...

 

Friday, June 17, 2016

For several years, researchers at Boston College have been studying the experiences and expectations of fathers. As you might suspect, the way in which men understand the role of ‘Dad’ has been changing. While some still believe their...

 

Tuesday, May 31, 2016

In medieval times, alchemists sought methods for transforming ordinary metals into gold. Today, just about every adult searches for a means of transforming savings into a retirement’s worth of income. Recently, they received help from...

 

Friday, May 27, 2016

Before the big barbecue, take time this Memorial Day weekend to honor the men and women who gave their lives fighting for our country. If you’re looking for a way to remember those brave Americans, here are a few suggestions:1 • Raise...

 

Friday, May 6, 2016

Scientists have been mapping our mothers’ brains! They haven’t found eyes in the back of her head, or a way to help her worry less, but they are beginning to understand the mother-child bond better:1 “After centuries of observing...

 

Sunday, May 1, 2016

Super Bowl winners, the length of hemlines, and Sports Illustrated covers – all of these have been used to develop theories about the direction in which stock markets may be headed. Presidential elections and terms have also inspired a...

 

Thursday, April 7, 2016

If you receive a voice or email message from the Internal Revenue Service (IRS), or you field a phone call from an IRS agent informing you “you owe back taxes” and “you better pay now or be arrested (or deported)...

 

Thursday, March 31, 2016

College students have steep learning curves. In high school, they were tasked with doing well academically, participating in extracurricular activities, complying with the rules of their parents’ homes and, possibly, having a job...

 

Tuesday, March 15, 2016

If wars were fought with words, Ireland would be ruling the world. --Irish proverb1 The wit and humor of the Irish is legendary, as is their ability to weave words into poems, prose, folk tales, and song. On this St. Patrick’s...

 

Friday, February 26, 2016

It’s almost tax time. During April, many people take advantage of the opportunity to reduce taxes by funding a Traditional IRA. While that makes sense for some Americans, others may benefit by contributing to a Roth IRA that...

 

Friday, February 12, 2016

Are you looking for just the right Valentine’s Day message for someone you love? Here are a few suggestions that have a decidedly financial twist from 14 Ways an Economist Says I Love You by Liz Fosslien. The messages are...

 

Friday, January 29, 2016

The world’s first central bank offered unprecedented convenience. It gave 17th century Swedes the option to pay with paper notes rather than 40-pound copper plates, which were the currency units of the Swedish empire at the time....

 

Thursday, January 14, 2016

Dr. Martin Luther King, Jr. was a complex man who took an unconventional approach to a difficult problem. He used non-violent protests to focus attention on civil rights in the United States. While he fought the status quo, he...

 

Thursday, January 7, 2016

Understanding 2016’s Higher Medicare Part B PremiumsOne-in-seven Medicare enrollees will pay higher Medicare Part B monthly premiums during 2016. Their premiums will be $121.80 each month, an increase of 16 percent. While...

 

Thursday, December 31, 2015

From early Babylonians to present-day Americans, people have been celebrating the beginning of every new year for almost four thousand years!1 Here are a few ways people celebrate the holiday in the United States:2 61 percent of...

 

Tuesday, December 22, 2015

December is full of high spirits and good cheer. If you browse online, you’ll find some surprising holidays amidst more well-known celebrations. Just in case you need more reasons to celebrate the season, here is a list of major...

 

Wednesday, November 18, 2015

Thanksgiving traditions aren’t quite as straightforward as the elementary school plays about Pilgrims and Native Americans sharing a feast would have us believe. History.com suggests that’s because Thanksgiving is,...

 

Friday, October 30, 2015

Veterans are skilled leaders and problem solvers who have a lot to offer in and out of the service. Got Your 6, a campaign to empower veterans in America, offered some interesting insights about the men and women who have chosen to...

 

Monday, October 26, 2015

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...

 

Monday, October 19, 2015

A number you’re probably not looking for is 1.5 billion. That’s the number of pounds of pumpkins grown every year. History.com said that’s more than twice the weight of the Empire State Building. Here are a few other interesting...

 

Tuesday, October 6, 2015

If you’re 57 or older, it’s a pretty good bet you take at least one prescription medication. If you take more than one, it’s really important to understand how the drugs may interact with one another in your system – particularly, if...

 

Wednesday, August 26, 2015

Workers are essential to innovation and success. According to the London School of Economics (LSE), they’re a source of ideas for new products, new services, new approaches to work, and new business models.1Worker-led innovation must...

 

Tuesday, August 25, 2015

Workers are essential to innovation and success. According to the London School of Economics (LSE), they’re a source of ideas for new products, new services, new approaches to work, and new business models.1Worker-led innovation must...

 

Wednesday, August 19, 2015

Healthcare. Retirement. Those may be two of the most stressful words in the English language today. Especially when you include them both in the same sentence. For instance, a married couple that saves $326,000 has a 90 percent chance...

 

Friday, August 7, 2015

How Do You Make Money in Stocks?Have you ever watched Family Feud? Perhaps you were a child when Richard Dawson hosted the game show or maybe you enjoy the current version. No matter, take a moment and:• Name a three-letter word that...

 

Thursday, June 25, 2015

People think about character in many different ways. You have probably heard or may have commented on someone else’s character by saying:• She is a woman of good character.• What a character!• That was really out of character.• He has...

 

Monday, June 22, 2015

Achieving U.S. citizenship can be life changing, but it is not easy. Those who aspire to become American citizens must pass a 100-question naturalization test and answer six of 10 questions correctly during their naturalization...

 

Wednesday, June 17, 2015

While your high school student is taking standardized tests, parsing college choices, and raring for graduation, you’ll probably find yourself spending some time with net income calculators on college websites. Whether your family’s...

 

Tuesday, June 9, 2015

Modern dads are a diverse bunch. They may go to work or stay at home with the kids. They may be single, married, or dating. They may be birth parents, adoptive parents, or step-parents.1 They may be expected to teach children morals...

 

Tuesday, May 12, 2015

There are many ways to show gratitude for the sacrifices made by the men and women who have died while fighting for our freedom. In 1868, General John Logan issued a Memorial Day Order that said:1“Let us, then, at the time appointed,...

 

Wednesday, May 6, 2015

When you think “Mom,” it’s likely your brain conjures up a scent or a story or a song that feels like home. Here are a few inspiring and heartfelt words that have been written about the value and importance of mothers:“A mother enables...

 

Monday, April 27, 2015

It all depends on you. Thanks to the Baby Boom generation, pre-retirees and retirees have a lot more options than did previous generations of Americans. There is a lot to consider before you decide where to live during retirement: your...

 

Tuesday, April 7, 2015

Before you know it – thanks to smart phones, tablets, and wireless technology – your home will be connected to the Internet of Things. Sure, home automation costs a few shekels, but just imagine it! You could be the envy of Jane Jetson...

 

Friday, March 6, 2015

St. Patrick, the apostle of Ireland, is one of the most well known and popular Catholic saints. Of course, he wasn’t actually Irish and his birth name wasn’t Patrick! Maewyn Succat was born to Calpurnius and Conchessa, a Roman couple...

 

Friday, January 30, 2015

Romantics welcome Valentine’s Day and having the opportunity to lavish loved ones with attention. Economists appreciate Valentine’s Day, too. Sure, the $13 billion spent on Valentine’s Day is just a drop in the $17 trillion bucket of...

 

Tuesday, January 20, 2015

You have probably heard the term ‘planned obsolescence.’ It’s also known as ‘shortening the replacement cycle.’ No matter what you call it, the strategy was developed by manufacturers to ensure consumers would buy products more than...

 

Tuesday, January 13, 2015

If you were to create a list of Americans who’ve had great influence on our country during the past 100 years, it would not be complete without the name Dr. Martin Luther King, Jr. While he’s best remembered for fighting for civil...

 

Thursday, January 8, 2015

Some people have a gift when it comes to gifts. Whether it’s a birthday, wedding, baby shower, Christmas, Hanukah, or some other occasion, they always seem to find just the right thing for each person. If you’re not an insightful gift...

 

Thursday, December 11, 2014

In addition to making wonderful memories during the holiday season, almost two-thirds of Americans – including people of all income levels – make the gifts they give to family and friends. It will come as no surprise more women than...

 

Wednesday, October 1, 2014

Sitting is bad for your health. Whether you’re sitting at a desk doing work, in a classroom listening to a lecture, or on a ship sailing the ocean, research suggests extended periods of sedentary behavior may increase the likelihood of...

 

Monday, July 21, 2014

History is full with examples of parents taking actions they believe will improve the lives of future generations. In 1780, then President of the United States John Adams wrote to his wife:[1]“I must study Politicks and War that my...