The 3 A's of Saving...

Vantage Point UPDATE: Intermediate-Term and Long-Term Trend Analysis

On Friday, June 24, the S&P 500 closed @ 2037, and that was...
  
   +0.2% ABOVE its 12-Month moving average which stood @ 2034.
   +0.8% ABOVE its 40-Week moving average which stood @ 2022.
   -1.7% BELOW its 10-Week moving average which stood @ 2072.


Therefore, the INTERMEDIATE-Term trend is NEUTRAL
and the LONG-Term trend is NEUTRAL.

An All-In-One Wealth Transfer Checklist

Money is one subject that families are often reluctant to talk about.

Death is another. 

Combine them—as in talking about your estate plan—and avoidance is a common reaction.
Nonetheless, talking with family members about plans to protect and transfer assets can help avoid unwelcome surprises and unnecessary stress after you or your spouse passes. 

Talking about money and values can also strengthen family ties and develop a shared purpose while you are alive and able to enjoy the results.

https://www.fidelity.com/viewpoints/personal-finance/wealth-transfer-checklist

Diversify. Diversify. Diversify.

Vantage Point UPDATE: Intermediate-Term and Long-Term Trend Analysis

On Friday, June 17, the S&P 500 closed @ 2071, and that was...
  
   +1.6% ABOVE its 12-Month moving average which stood @ 2039.
   +2.5% ABOVE its 40-Week moving average which stood @ 2020.
   -0.2% BELOW its 10-Week moving average which stood @ 2076.


Therefore, the INTERMEDIATE-Term trend is NEUTRAL
and the LONG-Term trend is Moderately BULLISH.

The Pros & Cons of Mortgage Debt

Basics

Houses are generally the most expensive purchase most people will make. In order to swing it, most people take out a mortgage. There are a few different types to consider.

FHA loans: For first-time homebuyers with little savings, the Federal Housing Administration, or FHA, has a loan guarantee program that allows first-time homebuyers to buy a home with as little as 3% down. Borrowers do have to pay extra to have the loan guaranteed by the FHA.

VA loans: Similarly, the Veterans Administration (VA) guarantees loans to service members and eligible surviving spouses. Loans backed by the VA might not require a down payment if the sales price is equal to or less than the appraised value. No private mortgage insurance is required, as the VA insures the loan. Even if you have less-than-perfect credit, you can get a loan at competitive interest rates.

The Pros & Cons of Student Loans

Basics

There are two types of lenders for student loans: Federal and Private.

Vantage Point UPDATE: Intermediate-Term and Long-Term Trend Analysis

On Friday, June 10, the S&P 500 closed @ 2096, and that was...
  
   +2.6% ABOVE its 12-Month moving average which stood @ 2043.
   +3.9% ABOVE its 40-Week moving average which stood @ 2017.
   +1.1% ABOVE its 10-Week moving average which stood @ 2074.


Therefore, the INTERMEDIATE-Term trend is NEUTRAL
and the LONG-Term trend is Moderately BULLISH.

Tax-Efficient Withdrawal Strategies in Retirement

Company, Country or Sector? What is the Average Source of Return for Global Stocks?

Company selection is the biggest component of stock returns.

Average source of return for global stocks

Vantage Point UPDATE: Intermediate-Term and Long-Term Trend Analysis

On Friday, June 3, the S&P 500 closed @ 2099, and that was...
  
   +3.2% ABOVE its 12-Month moving average which stood @ 2034.
   +4.4% ABOVE its 40-Week moving average which stood @ 2010.
   +1.7% ABOVE its 10-Week moving average which stood @ 2065.


Therefore, the INTERMEDIATE-Term trend is NEUTRAL
and the LONG-Term trend is Moderately BULLISH.

All About CDs

Roth IRA or Traditional IRA?

Key Sectors to Watch This Late in the Market Cycle