Toward the end of 2011, an index that measures the hiring intentions of small businesses rose to its highest level in three years, and another report estimated that small businesses have added about 1.2 million new jobs since October 2009.1–2 All told, businesses with fewer than 500 employees have created about 65% of new jobs […]
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It’s not surprising that some people have a strong desire to steer their money toward entities that endeavor to make a difference in the world. Growing investor interest — and wider recognition that social and environmental issues can amount to material financial risks and/or rewards for corporations — has landed socially responsible investments (SRIs) […]
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Lawsuits have become increasingly common in our society. From 1951 through 2009, the cost of torts (civil suits) rose at more than double the annual rate of general inflation and even surpassed the annual increase in medical expenses (see chart). In this litigious environment, it is especially important to protect your assets and your […]
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Nearly 20 million U.S. households have a Roth IRA — a significant number considering that it has been around only since 1998. However, Roth IRA participation still lags behind that of traditional IRAs, which were first introduced in 1974.1 The good news is that you can invest in more than one type of IRA […]
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In April, the International Monetary Fund (IMF) forecasted global economic growth of 3.5% for 2012, noting that the U.S. economy had gradually gained momentum, whereas China and other emerging economies appeared to be headed for gradual slowdowns. However, the IMF also warned that if the debt crisis in Europe deteriorated into a worldwide financial […]
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The market for selling small businesses improved slightly last year, but buyers typically still had the upper hand. The median selling price rose 3.3% to $155,000, while the median revenue for firms sold in 2011 rose by 6.7%.1 Lenders generally require a professional valuation before extending credit to owners and buyers. But even if […]
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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 — […]
read more »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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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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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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