Monday, April 17, 2017
Vantage Point UPDATE: Intermediate-Term and Long-Term Trend Analysis
On Friday, April 14, the S&P 500 closed @ 2329, and that was...
+4.3% ABOVE its 12-Month moving average which stood @ 2232.
+4.2% ABOVE its 40-Week moving average which stood @ 2235.
-1.1% BELOW its 10-Week moving average which stood @ 2356.
Therefore, the INTERMEDIATE-Term trend is NEUTRAL
and the LONG-Term trend is BULLISH.
Wednesday, April 12, 2017
Monday, April 10, 2017
Vantage Point UPDATE: Intermediate-Term and Long-Term Trend Analysis
On Friday, April 7, the S&P 500 closed @ 2356, and that was...
+5.3% ABOVE its 12-Month moving average which stood @ 2236.
+5.6% ABOVE its 40-Week moving average which stood @ 2230.
+0.1% ABOVE its 10-Week moving average which stood @ 2353.
Therefore, the INTERMEDIATE-Term trend is NEUTRAL
and the LONG-Term trend is BULLISH.
Friday, April 7, 2017
Wednesday, April 5, 2017
As U.S. Oil Production Soars, OPEC's Power and Influence Sinks...
“OPEC is the past, and its leverage over the economies of the world has been significantly diminished,” John Hickenlooper, a former oil-industry executive who is now Colorado governor, said recently. “We really control our own fates.”
Monday, April 3, 2017
Vantage Point UPDATE: Intermediate-Term and Long-Term Trend Analysis
On Friday, March 31, the S&P 500 closed @ 2363, and that was...
+6.7% ABOVE its 12-Month moving average which stood @ 2214.
+6.2% ABOVE its 40-Week moving average which stood @ 2224.
+0.7% ABOVE its 10-Week moving average which stood @ 2347.
Therefore, the INTERMEDIATE-Term trend is BULLISH
and the LONG-Term trend is BULLISH.
Friday, March 31, 2017
Estate Planning for the Digital Era
Estate Planning for the Digital Era
Digital Estate Planning To-Dos:
✔ Make a list of your digital assets and passwords so others know where to find them.
✔ Back up data stored in the cloud to a local computer or storage device.
✔ Work with an attorney to provide consent in legal documents.
https://www.fidelity.com/viewpoints/wealth-management/estate-planning-for-digital-assets?ccsource=email_weekly
Wednesday, March 29, 2017
5 Common Annuity Myths
5 Common Annuity Myths
Myth 1: Annuities are Only for Retirees.
| Reality: | Annuities can help savers, too. |
Myth 2: Annuities Cost Too Much.
| Reality: | Many annuities are low cost. Others offer potentially valuable additional features at higher costs, which you should consider only if you need to address a specific risk. |
Myth 3: There is No Point in Buying an Annuity for Income before Retirement.
| Reality: | As you approach retirement, certain annuities can help protect your future income from market volatility, and some annuities can help protect against inflation. |
Myth 4: I can easily Create Lifetime Income from my Retirement Accounts.
| Reality: | Besides Social Security and pensions, only annuities guarantee a stream of income that you can’t outlive. |
Myth 5: The Insurance Company gets My Money When I Die.
| Reality: | Your beneficiaries can receive payment(s) after you die. |
Monday, March 27, 2017
Vantage Point UPDATE: Intermediate-Term and Long-Term Trend Analysis
On Friday, March 24, the S&P 500 closed @ 2344, and that was...
+6.0% ABOVE its 12-Month moving average which stood @ 2212.
+5.8% ABOVE its 40-Week moving average which stood @ 2215.
+0.3% ABOVE its 10-Week moving average which stood @ 2338.
Therefore, the INTERMEDIATE-Term trend is BULLISH
and the LONG-Term trend is BULLISH.
Friday, March 24, 2017
How to Pay Off Debt—and Save, Too
| 1. | Set aside money for an emergency. |
| 2. | Don't pass up "free" money at work. |
| 3. | Pay this debt down first: high-interest credit card balances. |
| 4. | Pay this debt down next: private student loans. |
| 5. | Contributing beyond the employer match in a 401(k). |
| 6. | Pay monthly minimum on government student loans, car loans, mortgages. |
How to Pay Off Debt & Save, Too
Wednesday, March 22, 2017
School Choice Works, So Why Can't Parents Have It?
Read More @ Investor's Business Daily:
School Choice Works, So Why Can't Parents Have It?
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Monday, March 20, 2017
Vantage Point UPDATE: Intermediate-Term and Long-Term Trend Analysis
On Friday, March 17, the S&P 500 closed @ 2378, and that was...
+7.3% ABOVE its 12-Month moving average which stood @ 2217.
+7.8% ABOVE its 40-Week moving average which stood @ 2207.
+2.0% ABOVE its 10-Week moving average which stood @ 2331.
Therefore, the INTERMEDIATE-Term trend is BULLISH
and the LONG-Term trend is BULLISH.
Wednesday, March 15, 2017
Monday, March 13, 2017
Vantage Point UPDATE: Intermediate-Term and Long-Term Trend Analysis
On Friday, March 10, the S&P 500 closed @ 2373, and that was...
+7.1% ABOVE its 12-Month moving average which stood @ 2216.
+7.7% ABOVE its 40-Week moving average which stood @ 2202.
+2.2% ABOVE its 10-Week moving average which stood @ 2321.
Therefore, the INTERMEDIATE-Term trend is BULLISH
and the LONG-Term trend is BULLISH.
Friday, March 10, 2017
Assessing 401k Fees and Rollover Options
401k Fees and Rollover Options
401k Fees could erode your retirement savings
as much as -30% over time.
Understanding the
fees associated with your retirement accounts is typically very difficult.
But, if you don’t
know or understand how much you’re paying in fees associated with different
investment options, how can you know if you’re overpaying for certain funds and
limiting retirement balances from increasing more fully?
Phyllis Borgi,
the Assistant Secretary of Labor for Employee Benefits Security, said
that she was troubled by the complex fee disclosure format that some companies
have put out.
Some companies
have tried to hide, confuse, or be very non-specific in their disclosure of
these fees.
The U.S.
Department of Labor reports 401k accounts typically
charge fees of 1%–2% for administration and management fees.
These fees are deducted from your retirement savings every year on the full
value of your account even if your account loses value.
Fees of 1%-2% may seem
trivial, but over 20-30 years - even at just 1% -
this means 20%-30% less money at retirement, and 20%-30% less income
at retirement.
This could cost
you hundreds of dollars each month for the rest of your life.
A 401k
Rollover to a Self-Directed IRA may be an option for
you, even if you are still employed with the company.
If you are aged 59½ or
older and looking to keep your retirement savings in a safe and secure,
contractually guaranteed account, a fixed-indexed annuity could be a viable option.
Wednesday, March 8, 2017
Monday, March 6, 2017
Vantage Point UPDATE: Intermediate-Term and Long-Term Trend Analysis
On Friday, March 3, the S&P 500 closed @ 2381, and that was...
+7.4% ABOVE its 12-Month moving average which stood @ 2218.
+8.5% ABOVE its 40-Week moving average which stood @ 2195.
+3.2% ABOVE its 10-Week moving average which stood @ 2307.
Therefore, the INTERMEDIATE-Term trend is BULLISH
and the LONG-Term trend is BULLISH.
Friday, March 3, 2017
Why The Cost of Food, Clothing, Shelter, Etc. Has Declined Markedly Since 1930
The chart above shows that household spending on “Life’s Basics” – food, clothing and shelter – has steadily declined over time as a share of after-tax personal income, from more than 50% in the 1930s and 1940s, to more than 40% for most of the 1970s when it took more than a week of work to buy a standard air conditioner, to only about 32% in recent years.
The gradual increase in our standard of living thanks to the falling prices (measured in both inflation-adjusted dollars and in the “time cost”) of appliances, food, clothing, cars and household appliances is an under-appreciated and under-reported benefit of the “miracle and magic of the marketplace.”
As Larry Kudlow always reminds us “Free market capitalism is the best path to prosperity.”
Wednesday, March 1, 2017
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