Personal Finance


“As January goes, so goes the year.” At least that is the case according the old adage made popular by the Stock Trader’s Almanac. This phenomenon is also known as the “January Barometer.” It simply means that January’s market’s performance, as measured by the S&P 500 Index, is a harbinger of how the market will do for the year. According to a recent story in the New York Times, the January barometer has...

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Bernard Baruch is not a household name, so a quick background is in order. He was a financier, a stock investor, a philanthropist, and an economic advisor to Presidents Woodrow Wilson and Franklin Roosevelt.  Baruch once quipped, “The main purpose of the stock market is to make fools of as many men as possible.” While he earned his fortune in an earlier period, few today can consistently amass wealth by trying to time the market’s ups...

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October was a wild month for the markets—and for many baby boomers who planned for retirement income by synchronizing and coordinating their timing for claiming Social Security benefits. The last week in October saw Congress put an end to two Social Security filing strategies that many couples have used to add tens of thousands of dollars to their retirement incomes.  However, there is a six-month window in which couples who are at...

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Last month’s letter talked about preparing yourself for major market moves, especially downward moves, by conducting “lifeboat drills” in order to dampen your “startle response”, which might result in an inappropriate decision that would derail your long-term investment goals and objectives. During the month of September, investor anxiety continued to spread as uncertainty around the future of interest...

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Our bodies have a language of their own, and their words aren’t always kind. Your body language has likely become an integral part of who you are, to the point where you might not even think about it. If that’s the case, it’s time to start, because you could be sabotaging your career. TalentSmart has tested more than a million people and found that the upper echelons of top performance are filled with people who are high in emotional...

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When it comes to social media North American CFOs say their companies have focused mostly on the risks so far rather than the opportunities, such as using it to get customer feedback or foster internal collaboration. In particular, they say most of their attention has been focused on establishing policies for employees’ use of social media, providing education on related risks and managing the company’s presence in key social media...

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