Tag: "stock market"

Is the Path to Retirement Just Pure Luck? (Part I)

No. Last month, Wells Fargo and Gallup released a poll on household investors’ opinions. Wells Fargo’s media release headline reads: “Low Rates Force One in Three Investors to Delay Retirement.” The Los Angeles Times reads, “Low Interest Rates are Hampering Retirement Plans.” Whenever I see these kinds of headlines, I like to get to heart […]

The Fiscal Cliff? Whatever…

It”s less than four days away from the fiscal cliff.  But unlike the recent Mayan prophecy, the cliff will really happen.  Tax cuts will expire and discretionary spending will be cut automatically.   And of course, we will reach the debt c eiling sooner rather than later.   There are many obvious things wrong with this picture, […]

Walk….Don’t Run When the Financial Markets Speak

One of the most important things to remember in an emergency is to remain calm. Panic tends to cloud a person’s rational thinking and judgment. In every situation, panic can create more problems than it solves. It does two things: 1) It causes us to misunderstand the ramifications of the problem we are trying to […]

Stocks in 401(k) Plans? Why Not?

A recent article at the Wall Street Journal’s smartmoney.com explains why mutual funds still charge fees, despite the fact that the transaction costs for stocks, bonds and exchange-traded funds (ETFs) are getting cheaper. According to an industry spokesperson, customers are paying for a service they are not receiving from other investments, namely fund managers trying […]

Mattress Investing Revisited

“I’ve found that when the market’s going down and you buy funds wisely, at some point in the future you will be happy. You won’t get there by reading ‘Now is the time to buy.’”   Peter Lynch The stock market fall of 2008 sent many into a tailspin: moving money, selling equities, taking losses.  Some […]

Households are Richer in This Economy?

It is refreshing to see a light at the end of the stock market tunnel…household wealth rose 3.8 percent during the last three months of 2010, says the Dallas Morning News, (“Stocks Lift Household Wealth as Debt Falls).  This was in part due to the rise in stock prices.  I recall back in late 2008 and […]

Marketing retirement to whom?

As I watched the Superbowl commercials almost two weeks ago, I came to the decision that I needed to write about an issue that has bothered me for months now:  commercials for retirement planning. 

Running with the Bulls

Nearly two years ago, I received a call from a former college friend of mine.  This was about the time the market was starting to recover from its drastic downturn in the fall of 2008, leaving many investors shaking their heads, selling off and vowing never to return to the Dow Jones again.  During the […]

Senior Citizens Take a Beating from the Fed

Lower interest rates are on the way, and seniors may be none too happy. In another measure to jump-start the economy and encourage capital investment and job creation, the Fed has announced its intent to purchase $600 billion in Treasury bonds.  For those who are a little rusty on monetary policy, this move injects cash […]

The Stock Market: In the Long Run, It’s All About Earnings, Not Panic

Here we go again.  Panic in the stock market has set in, yet again, due to every direct or indirect domestic or international incident known to man.   Maybe Greece.   Maybe Senate-passed financial regulations.  Maybe unemployment.  Maybe somebody pressed the wrong button on their computer.  Or maybe somebody sneezed.  I was tempted to write a much […]