It’s no secret that bad credit is a personal finance killer. Higher interest rates and lower odds of loan approval are just a couple of the side-effects of having a bad credit score. But did you know that having a poor credit score can also be detrimental to your personal life and even your career?... More »5 Ways Bad Credit Could Be Wreaking Havoc on Your Personal Life and Your Career
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This morning, the Bureau of Labor Statistics (BLS) reported that the “official” unemployment rate in the U.S. economy decreased to 7.5% in April. (Source: Bureau of Labor Statistics, May 3, 2013.) While this may give politicians and the mainstream media another reason to brag about “economic growth” in the U.S. economy, this jobs market report... More »Today’s Job Numbers: Proof U.S. Economy Is Not Recovering
Thanks to artificially low interest rates, the Federal Reserve has taken the “income” out of “fixed income,” and made saving for retirement that much harder for the average American. Back in the 1980s, the interest rate on a 10-year Treasury was above 15%. Investors planning for retirement could rely on their fixed incomes providing them... More »Two Reasons Why Dividend Stocks Have Room to Run
With employment figures the big news of the day, the business of human resources (HR) is still a good one. Technology is changing the HR landscape, and I believe that exposure to this industry is useful as part of a stock market portfolio—but at the right price. Automatic Data Processing, Inc. (NASDAQ/ADP) out of Roseland,... More »Why Cash Is No Longer King
The Federal Reserve continues to be a friend of Wall Street and those who can take advantage of the low interest rates and ability to carry debt at low carrying costs. But if you think for one minute that lower and Middle America is better off, then you may want to think again. Yes, it... More »Thank the Fed for Your New Car, Home, Investments
Did it happen to you that a brilliant idea suddenly came into your mind wherein you believe that would grant you a large amount of fortune? Do you think that having a fruit beverage stall at the town square would be a sure hit this summer season? However, you do not have the money to... More »Make Business Funding Doable
Small business is the backbone of America’s economy. While large multinational companies tend to get all of the attention, it’s the small companies that are critical to the country’s economy. From your local “mom and pop” shop to the independent watering hole around the corner to the small manufacturing company making widgets, small companies are... More »Small Business Loans Drop: Does This Foreshadow a Slowing?
As the S&P 500 enters the month of May, many people are worried about their investment strategy, especially in light of the old saying “sell in May and go away.” Does this saying hold any value? Let’s look at the question from two angles: a historical context and the S&P 500’s currently position. There are... More »How True Is the “Sell in May and Go Away” Adage?
Are you really tired of going home each time with only a very little amount of money left from what they call a salary? Admit it. Whether you are an office clerk, a janitor, a sales representative or the managing director of a firm – we all complain for the same thing. Our salaries appear... More »Get Hold of Business Capital and Be the Boss!
Economist Nouriel Roubini, also known as Dr. Doom, is finally on board with the stock market upswing; in fact, he believes the stock market can go even higher over the next two years. Now, if you are familiar with the often bearish opinions of Roubini, you’ll know that his hawkish view of the stock market... More »Why Dr. Doom Is Bullish on Stocks
With the introduction of monetary stimulus by many central banks around the world, a common question asked is: what’s a unique investment opportunity in a market sector that is not immediately obvious to the average investor? If the global stimulus really begins to work, it should result in higher demand for commodities. If this occurs, an... More »Unique Investment Opportunity in a Market Dominated by Money Printing
Once again, the proof is in the numbers. On one hand, the Dow Jones Industrial Average and the S&P 500 are doing amazing! But on the other hand, few seem to be benefiting. You don’t really hear about the latter on the evening news, even though the amount of supporting data is overwhelming. Do you... More »Gold to Rebound on the Back of a Recovery That Never Was
Saving for a comfortable retirement is what motivates many people to start their wealth management planning regimen. Whether you’ve been planning for retirement since you were 25 or 50, saving is only half the battle; after retirement, the real work begins. With your primary source of income gone, you have to figure out how to... More »What Withdrawal Rate Will Make the Most of Your Retirement Fund?
Securing a small-business loan has become more difficult in recent years. Here's a look at how companies are coping. More »Where Small Businesses Are Finding Money (Infographic)
In the old days, cash back and no annual fees hardly ever went hand in hand when it came to credit cards. Cardholders basically had a choice to make, neither of which were perfect. Luckily, that’s not the case in 2013. Nowadays, some of the best cash back cards charge no annual fees to cardholders.... More »5 No Annual Fee Credit Cards With Great Cash Back Programs
Biotechnology stocks can lose a lot of money. The thing about biotechnology stocks is that they are risky—very risky. Money can be lost in the stock market at a frenetic speed. Because biotechnology stocks are 100% risk-capital securities, they should only be relegated to the “play money” portion of a stock market portfolio. But a... More »Why Momentum Traders Love These Stocks
What’s all of this fuss about earnings helping to drive up the stock market? The first-quarter earnings season has been OK, but not great. Maybe the market is fine with average results and pleased there have not been major surprises to the downside. First-quarter gross domestic product (GDP) expanded at an annualized 2.5%—pretty good considering... More »Market Near Record High, but Where’s the Revenue?
As central banks around the world have taken money printing and easy monetary policy, such as low interest rates, as their key tools to boost economic growth, there are concerns among investors about what happens once they actually stop and bring their monetary policy back towards normalization—raising interest rates and no longer printing money like... More »Stock Market to Crash When Central Banks Stop Printing?