|
|||||
 |
Lack of jobs, debt contraction across the economy and people lacking needed employable skills have all contributed to increased use of safety nets. Government welfare is being used by one in six Americans. Just as private debt contraction by households and businesses is driving people to government safety nets, future debt contraction within the government promises Continue reading Government Welfare: A Growth Industry Threatened by Government Debt Contraction The sharpest drop in unemployment in more than a quarter century obscures a simple fact: The jobs market still isn’t working for many Americans. Some 6.3 million people have been out of work and looking for a job for more than six months. The employment-to-population ratio is lower than it was when the recession ended as Continue reading The Job Search – the Hunt for a Good Job in the U.S. If you need to transfer to a new town or your cash flow just can’t handle the mortgage payments you may be considering your options for unloading your home. Here are a few. Short Sale A short sale allows a homeowner to sell the home for less than the amount owed on the mortgage. However, the lender’s Continue reading How to Get Rid of Your House: Short Sale, Strategic Default, Give it Away Investors who trade more actively tend to do less well than more passive investors. This is probably because active investors, who check their portfolios every day have more emotional, instinctive and short-term reactions to market volatility. To improve your investing you might want to read less. Investors are bombarded with information, with highly emotive market ‘noise’, Continue reading Investing: Passive and Reflective Investors Do Well – Help Your Portfolio and Investments Emerging-market stocks rose for a third day as investors reacted to news and interest to invest shot up. Regulators gave banks as long as eight years to meet new capital rules and Chinese industrial production surged in August. The MSCI Emerging Markets Index added 2.1 percent to 1,033.97 at 1:44 p.m. in New York, heading to Continue reading Emerging Markets: Stocks Gain While there are steep odds to overcome, living with only one family income, when you are used to living on two incomes, can be done with thorough planning and a willingness to make choices. It is critical to have a sincere and honest conversation with your spouse about why you’re making the choice to live on Continue reading Going to One Income – Impact on Saving, Debt, Retirement, Spending, Lifestyle, Money, Budget, Expenses A big factor on how good of a credit score you have is called your credit utilization ratio. This ratio is how much credit you use each month relative to how much is available to you. The higher the ratio the lower your score. This ratio is very simple. It only looks at how much you Continue reading How Much Debt Do You Have? How Much Could You Have? Your Utilization Ratio and Your Credit Score Are you interested in a return on investment over the long-term? If so, invest in an emerging market ETF or a growth fund. Or when you invest is your timeframe now? If so, you may want to buy one of these international value funds: Columbia International Value Z Continue reading How to Invest for Growth – Use Your Timeframe – Emerging Markets, International, Growth Getting Cash From Your 401(k) - To Borrow Retirement Money for Low Interest, Investment, Basic NeedsMost financial experts believe taking money out of your 401(k) should be thought of as a last resort effort when you are desperate for cash. One reason why taking cash out of your 401(k) is frowned upon is that many people don’t have enough saved for retirement in the first place, so when they take that Continue reading Getting Cash From Your 401(k) – To Borrow Retirement Money for Low Interest, Investment, Basic Needs If you need cash, converting the equity in your home to cash can be an inexpensive option. Most homeowners can do this in one of two ways: either by taking out a home-equity loan, sometimes known as a second mortgage, or by setting up a line of credit. In most cases homeowners can write off the interest Continue reading Debt: Using Your Home to Borrow Money to Get Cash |
||||
|
Copyright © 2012 Prosperity Concierge - All Rights Reserved
|
|||||
