Taking Back Control by Valerie Peck, MBA, CFP® – Fee-Only Financial Advisor Originally published on the San Diego State University Planned Giving and Estates Blog Markets are volatile China is scaring us We thought low energy costs were supposed to be GOOD for us So how are we supposed to react to all of this? Taking inventory helps. Inventory of what’s working in your life. Inventory of what you have, of what you want, of...
Valerie Peck |
Why You Should Stay in Stocks in 2016 One bad trading day is not the year. Provided by Peck Financial Advisors The stock market has wavered recently. A lackluster year just ended, and this year has started inauspiciously. You may be wondering ... should you really be invested in stocks right now? Yes, you should be. In moments like these, investors should not panic and overreact to the headlines. Instead, they should take the long...
Making and Keeping Financial Resolutions What you might do (or do differently) in the months ahead? Provided by Peck Financial Advisors How will your money habits change in 2016? What decisions or behaviors might help your personal finances, your retirement prospects, or your net worth? Each year presents a “clean slate,” so as one year ebbs into another, it is natural to think about what you might do (or do differently) in the 12 months...
How Women Can Narrow the Retirement Saving Gender Gap Steps toward saving more & revitalizing your retirement strategy. Provided by Peck Financial Advisors When it comes to retirement saving, many women lag behind many men. Historically, that has been the case. The 2015 edition of Financial Finesse’s annual survey, The Gender Gap in Financial Literacy, offers more evidence of the problem – along with a few encouraging signs that women may be catching up. (Financial...
How Could a Fed Rate Hike Affect Retirees? As the central bank starts tightening, some positives & negatives may emerge. Provided by Peck Financial Advisors Economists widely expect the Federal Reserve to raise interest rates this month. Additional incremental rate hikes may follow in 2016. If you are retired (or soon will be), you will want to consider what gradually higher interest rates could mean for you financially. Some of the effects are already being...
Comprehensive Financial Planning: What It Is, Why It Matters Your approach to building wealth should be built around your goals & values. Provided Provided by Valerie L. Peck, MBA, CFP® Just what is “comprehensive financial planning?” As you invest and save for retirement, you will no doubt hear or read about it – but what does that phrase really mean? Just what does comprehensive financial planning entail, and why do knowledgeable investors request this kind...
Ways to Repair Your Credit Score Steps to get your credit rating back toward 720. Provided by Valerie L. Peck, MBA, CFP ® We all know the value of a good credit score. We all try to maintain one. Sometimes, though, life throws us a financial curve and that score declines. What steps can we take to repair it? Reduce your credit utilization ratio (CUR). CUR is credit industry jargon, an arcane way of referring...
The A, B, C, & D of Medicare Breaking down the basics & what each part covers. Provided by Peck Financial Advisors Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare – what they cover, and where they come from. Parts A & B: Original Medicare. America created a national health insurance program for seniors in 1965 with two components. Part A is hospital insurance. It...
Keeping All This Volatility in Perspective These recent ups & downs are reminiscent of past Wall Street swings. Provided by Peck Financial Advisors Fall might be anything but calm on Wall Street. Volatility is back, in a big way: the CBOE VIX has risen more than 105% since the end of July. Additionally, 11 of the 15 trading days ending September 9 were “all or nothing” days in which more than 80% of the S&P...