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Author Archives: starklogic

Following the Federal Reserve

Following the Federal Reserve

  To spur borrowing and boost the economy, the Federal Reserve cut the federal funds target rate to near zero at the end of 2008. More recently, the Fed disclosed that it is unlikely to raise rates until late 2014. In January 2012, the central bank released detailed forecasts for the federal funds rate — […]

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Costs of Caregiving

  More than 65 million Americans — about one out of three adults — provide care for someone who is ill, disabled, or aged.1 Although these caregivers are unpaid, the total value of their efforts is estimated at $450 billion annually — more than the value of paid home health care and more than the 2010 […]

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Investing When Rates Are Low

Investing When Rates Are Low

  Interest rates have been exceptionally low for three years now — and are expected to remain so through the end of 2014, according to the Federal Reserve.1 Meanwhile, market volatility has been high. These are challenging times for risk-averse investors who want to improve their returns. If you are retired or approaching retirement, capital preservation […]

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What’s Your Retirement Vision?

What’s Your Retirement Vision?

  Wouldn’t it be disappointing to dream about a comfortable retirement and then find yourself unable to enjoy your leisure years because of limited financial resources? Unfortunately, this is a possibility for people who underestimate retirement expenses and the rising cost of living. Evaluate Spending and Costs Although your expenses may change when you retire, […]

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The ABCs of Business Structure

The ABCs of Business Structure

  A small business can adopt a number of business structures for tax and legal purposes. Each has its own advantages and disadvantages. Sole proprietorships, partnerships, and limited liability companies (LLCs) are fairly basic forms of ownership, whereas corporations are significantly more complex. There are two primary types of corporations in the United States. C […]

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Following the Leading Index

Following the Leading Index

  The Conference Board’s Leading Economic Index (LEI) is designed to assess the U.S. economic outlook for the next three to six months. Because the LEI is forward looking, businesses and investors may use it to help anticipate what could be ahead and make informed decisions. The LEI summarizes a large amount of economic data, […]

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Inherited IRAs Come with Critical Choices

Inherited IRAs Come with Critical Choices

Many people who inherit a tax-deferred IRA are confronted with a complex array of rules, restrictions, and deadlines that may make it difficult for them to determine how to proceed. Unfortunately, beneficiaries must often make binding decisions about inherited retirement assets before they may be prepared to do so. Of course, beneficiaries can liquidate inherited […]

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Understanding Your Social Security Options

Understanding Your Social Security Options

About half of retirees file for Social Security benefits when they first become eligible at age 62.1 The age to receive “full” Social Security benefits is 66 for workers born between 1943 and 1954. If you were born in this period and file for benefits at age 62, you would typically receive 75% of your full […]

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Understanding Your Social Security Options

Understanding Your Social Security Options

About half of retirees file for Social Security benefits when they first become eligible at age 62.1 The age to receive “full” Social Security benefits is 66 for workers born between 1943 and 1954. If you were born in this period and file for benefits at age 62, you would typically receive 75% of your full […]

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