Posts Tagged ‘Periods’

Portfolio Strategy

Sunday, February 28th, 2010


An inflationary environment is very difficult for all financial assets. It is hardest on fixed income, since interest payments are fixed on the bulk of debt securities. Equities have in the past shown an ability to generate positive rates of inflation-adjusted, or real, return in inflationary environments, due to the ability of corporations to pass on at least some of the increases in input costs to selling prices. However, equities too have a much more difficult time in periods of increasing inflation.

In light of the inflationary backdrop, we have encouraged investors to reduce holdings of bonds, which do very poorly in inflationary environments.

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Inflation Can Cause Economic Stagnation

Sunday, December 27th, 2009


Ordinarily, inflation has been associated with periods of high aggregate demand, brisk economic growth and low unemployment, as we will see later in this chapter. Recently, however, its has become apparent that very rapid inflation can actually contribute to economic stagnation and high unemployment, by depressing capital investment spending by business.

Inflation can have this effect for two reasons: first, inflation causes higher interest rates. Fearing that continuing inflation will erode the real value of the capital that they loan out, lenders will insist on higher interest rates to offset the declining value of their capital.

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CBC News – Consumer Life – Concerns raised about furnace company’s

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Winnipeg Auto Finance

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  • Consumers Need to Exercise Caution as Credit Card Rates Climb Many consumers are finding that even though they have had the same credit card for years, and have paid the balances off completely every month, their monthly statements are suddenly appearing with a surprise: An interest rate hike by as...
  • Sometimes Saving Hurts! Declining Interest Rates Shouldn't Lead to Rate Chasing This post was inspired by a post titled, “FNBO Direct Will Drop its Interest Rate to 1.9% APY, Considering SmartyPig with 3.25% APY?” on one of the Best Personal Finance Blogs out there, Consumerism Commentary. I always thought one of...
  • It Pays To Wait, But Not with Interest Rates For those who like to say it pays to wait, they might want to put an asterisk next to that idiom when referring to interest rates. In today's world of quantitative easing and bond/credit traders wired to marketplaces at near...
  • States Put Federal Lawmakers in Their Place If you think that the federal government has gotten out of control, losing touch with real America, and only serves themselves and special interest lobbyists, then you are not alone. It seems that several states in our union agree with...


Retirement Redefined

Thursday, October 8th, 2009


In a 2005 survey 87% of US citizens said they wanted to redefine the word “retirement.” For them, it’s no longer a fixed point in time, but the freedom to choose the lifestyle they want, creating balance between periods of leisure, family and friends, volunteering, education – and even work.

For the boomer generation, the notion of retirement is changing. Rather than a time for zest and relaxation, it is now considered as a time of personal reinvention and opportunity – a new, exciting chapter in life. However, the reality of retirement is changing, too. Debt, longevity, and lack of planning are just some of the factors that may influence their level of lifetime income and security. What does this mean for you? There’s an overwhelming need for advice and guidance.

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  • How Much Do I Need To Retire? The following post is from Todd Tresidder. Todd retired at age 35, publishes the FinancialMentor blog, and lives in Reno, Nevada, with his wife and two children. His ebook, “How Much is Enough to Retire?” reveals the problems behind retirement...
  • Confidence Boost from Retirement Planning Tools I am a 100% self-directed investor, including using a self-managed brokerage account inside my 401(k) plan. Nevertheless, I periodically look for affirmation from objective third-party sources that our retirement investment plan is on the right path to success. I received...
  • Fixed Term Investment Characteristics The government only represents approximately 30 percent of our retirement income allotment. The companies that we work for and their retirement pension plan is only going to amount to another 30 percent or so, and most people do not even...
  • Is Social Security a Ponzi Scheme? (Part 2: An Explanation of Social Security Works) The following is a continuation of the Is Social Security a Ponzi Scheme? (Part 1). That article dealt with the history of Charles Ponzi and the original Ponzi scheme. In this article we'll cover the Social Security system in general....