The Psychology of Money & Investing: 8 Behaviors

By Robert Pagliarini on October 19, 2016

When we go to the grocery store, we seldom shop on logic alone. We may not even buy on price. We buy one type of yogurt over another because of brand loyalty, or because one brand has more appealing packaging than another. We buy five bananas because they are on sale for 29 cents this…

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The Benefits of a SIMPLE IRA for You & Your Business

By Robert Pagliarini on

Do you want a simple retirement plan? A plan you can implement easily as an independent contractor or small business owner, without a lot of paperwork? A SIMPLE IRA may be the answer. A SIMPLE IRA plan gives you a tax break, while giving you and your employees a way to build retirement savings. True…

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What Does “Helicopter Money” Mean?

By Robert Pagliarini on

Imagine cash falling from the sky into the hands of grateful consumers. Fleets of helicopters hover over cities, dispensing massive flurries of $100 bills. Everyone gets their fair share of the money. Presto, economic stimulus. This is pure fantasy, of course, but some economists think that the Federal Reserve should consider its figurative equivalent. Picture…

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Retirement Planning & Insurance

By Robert Pagliarini on October 18, 2016

Most people begin insuring themselves when they marry or start a family. They buy coverage in response to two potential calamities – disability during their working years, and death. Somewhere between youth and death comes retirement, and in retirement, the role of insurance is often downplayed. Does a retired multimillionaire really need a life insurance…

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Economic Update 10/17/16

By Robert Pagliarini on October 17, 2016

RETAIL SALES JUMP 0.6% This September gain was impressive – minus auto sales, the advance was still 0.5%. In August, both headline and core retail sales fell 0.2%. While consumers bought more last month, they were less confident earlier this month – the University of Michigan’s initial October consumer sentiment index fell 3.3 points to…

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Social Security: What You Need To Know

By Robert Pagliarini on October 15, 2016

Some myths & misperceptions keep circulating about Social Security. These are worth dispelling, as more and more baby boomers are becoming eligible for their retirement benefits. Myth #1: Social Security will go away before you do. The federal government has announced that Social Security may become insolvent between 2033 and 2037 if no action is…

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Critical Financial Steps to Take Before a Divorce

By Robert Pagliarini on October 12, 2016

Before your divorce goes through, it will be wise to check up on financial matters. It will be better to assess the state of your financial life before the split rather than after. Find out where you stand financially. Beyond your salary and your bank accounts, how much do you have in the way of…

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Does It Make Financial Sense For You To Buy A House?

By Robert Pagliarini on

Does buying a home make sense for you financially? It may or may not, depending on some financial, career, and lifestyle factors. Your savings, your credit, your salary, your level of disposable income, and your housing preferences all count. If you are serious about becoming a homeowner, you should have three priorities: keeping your credit…

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Economic Update 10/10/16

By Robert Pagliarini on October 10, 2016

HIRING PICKED UP IN THE THIRD QUARTER Employers added 156,000 net new jobs to their payrolls in September, the Department of Labor stated Friday. The August gain was revised up to 167,000, so monthly job growth averaged 192,000 in Q3, improved from 146,000 in Q2. The unemployment rate ticked up to 5.0% in September; the…

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Economic Update 10/3/16

By Robert Pagliarini on October 4, 2016

NO ADVANCE IN CONSUMER SPENDING Personal spending was flat in August even as personal incomes rose 0.2%. These numbers from the Department of Commerce fell short of expectations: economists polled by MarketWatch had forecast a 0.2% gain in both categories. In other news linked to consumer spending, the federal government revised second-quarter GDP up to…

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