The White House Council of Economic Advisers has released a report showing a long-term decline in the share of American men ages 25-54 who are participating in the labor force (see first chart), to the point where the U.S. now has one of the lowest male labor force participation rates in the world (see second […]
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‘Market Commentary’ Category
Tracking the performance of your investments can get confusing, due to the various ways of calculating returns. Whether you prefer to use a calculator or spreadsheet software, the following discussion will help you use and calculate common measurements of investment performance to truly judge your investment results. Determining Rate of Return Probably the most basic […]
One of the attractions of leasing a car is that it generally requires a much smaller upfront outlay of cash compared to what purchasing a car might require. This preference to minimize an upfront cash payment may mean that some individuals may also roll into the lease payment other associated costs, including the capital-reduction amount […]
Yesterday’s vote by the British electorate to end its 43-year membership in the European Union seems to have taken just about everybody by surprise, but the aftermath could not have been more predictable. The uncertainty of how, exactly, Europe and Britain will manage a complex divorce over the coming decade sent global markets reeling. London’s […]
The trend toward online investing and advisory services, also known as robo-investing and robo-advice is gaining momentum, but industry participants are struggling to get a handle on how retail investors view and/or use robo-services to conduct their financial affairs. Studies Abound Recent research conducted by major asset management firms has gleaned insight, yet often their […]
Long eclipsed by their bigger and smaller brothers, midcap stocks clearly suffer an image problem. Most have yet to achieve the universal coverage and broad visibility of large caps, but they lack the nimble reputation of small caps to potentially generate rapid earnings and share price growth. Yet these same characteristics are what make midcaps […]
Whether you will soon be applying for Social Security, or are already receiving benefits, here’s what you need to know about what’s changing (and not changing) in 2016. What’s Not Changing No Cost-of-Living Increase: Because inflation was unchanged from the third quarter 2014 to the third quarter 2015, there will be no increase in benefit […]
The average investor isn’t stupid. The latest evidence comes from a look at where investors are putting their money, taken by the Morningstar mutual fund data organization. Morningstar found that when they ranked funds by how much they cost their investors, from the top 20% to the bottom 20%, they found that the lowest fee […]
The rule of thumb in financial planning circles is that you shouldn’t spend more than 25% of your income on housing costs. But if you live in certain cities, it might be a tad difficult to follow that rule. Pity New Yorkers, whose rent costs 63.1% of their income. And New York is cheap compared […]
By all accounts, Puerto Rico is a beautiful, sunny place to visit, especially in the Winter. But it’s hard to fathom how this U.S. island territory of 3.5 million people could have racked up $70 billion in public debt—roughly $20,000 per citizen, which happens to be almost exactly the population’s average yearly income. Now that […]