Do you make a point of shopping locally? What about shopping local? While they might sound same, there’s an important distinction — at least in my mind. When I say “shop locally,” I’m referring to the practice of buying from stores in your community. But when I say “shop local,” I’m talking about buying from [...]
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Archive for the ‘Economy’ Category
Shopping Local vs. Shopping Locally
Written by Nickel - 11 Comments
Published on December 12th, 2011 - 11 Comments
Filed under: Consumer, Economy
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Filed under: Consumer, Economy
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The Shift and the Shaft
Written by Jeffrey Steele - 14 Comments
Do you find that $20 bill in your pocket evaporating faster than ever, and your paychecks taking you shorter and shorter distances? It’s no hallucination. There’s a shift going on. It’s a shift helping ensure the comfortable middle-class lifestyles our parents enjoyed become as obsolete as an eight-track tape player.
Costs once borne by better-heeled folks [...]
Published on November 8th, 2011 - 14 Comments
Filed under: Economy, Taxes, Working
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Filed under: Economy, Taxes, Working
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Changes Aim to Make Refinancing Underwater Mortgages Easier
Written by Nickel - 5 Comments
If you’ve been unable to refinance your mortgage because your loan is underwater, you’ll be happy to learn that the Obama administration has announced sweeping changes aimed at helping homeowners like you. More specifically, if your loan was sold to Fannie Mae or Freddie Mac on or before May 31, 2009 and your loan-to-value ratio [...]
Published on October 24th, 2011 - 5 Comments
Filed under: Economy, Mortgages, Real Estate
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Filed under: Economy, Mortgages, Real Estate
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Operation Twist: Even Lower Rates Ahead?
Written by Nickel - 7 Comments
The economy stinks. You and I know it, and the Federal Reserve knows it, too. That’s why they announced Operation Twist earlier this week. Operation Twist? What’s that, you say? It’s yet another attempt to drive interest rates down in hopes of spurring economic activity.
This time around, they’re targeting 10-year bond Treasury rates because lots [...]
Published on September 23rd, 2011 - 7 Comments
Filed under: Economy
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Filed under: Economy
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The Paradox of Thrift
Written by Hank Coleman - 16 Comments
When you save your money instead of spending it, you are actually hurting the economy in a small way. It may seem counterintuitive that your savings are adding to our economy’s decline, but they are. Most of us have come to embrace globalism and our intertwining financial lives, but we often fail to realize that [...]
Published on September 8th, 2011 - 16 Comments
Filed under: Economy, Saving & Investing
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Filed under: Economy, Saving & Investing
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US Credit Downgrade: What Does it Mean? And Why Does it Matter?
Written by Nickel - 16 Comments
By now, I’m sure you’ve heard that Standard & Poor’s rating agency downgraded the US credit rating from Aaa to Aa+. While the other two ratings agencies (Moody’s and Fitch) have upheld the Aaa rating – at least for now – S&P’s decision to downgrade has sent shockwaves across the investing world.
While I don’t want [...]
Published on August 8th, 2011 - 16 Comments
Filed under: Economy
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Filed under: Economy
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Will Municipal Bonds Lose Their Tax Advantage?
Written by Nickel - 8 Comments
Municipal bonds, which are issued by states and local communities, are a popular choice for those who are looking for a fixed income investment in a taxable account. The reason for this is that the income generated by muni bonds is tax exempt, which boosts their effective yield as compared to taxable bonds.
Beyond being a [...]
Published on July 21st, 2011 - 8 Comments
Filed under: Economy, Saving & Investing, Taxes
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Filed under: Economy, Saving & Investing, Taxes
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Why Does Everybody Hate Dollar Coins?
Written by Nickel - 40 Comments
According to a recent report from NPR, the Federal Reserve has $1B worth of dollar coins just sitting around. The production of these coins stems from a 2005 Congressional mandate to produce a new series of coins honoring past Presidents. Unfortunately, the general public doesn’t seem to like them and very few people are using [...]
Keeping Up With the Buffetts
Written by Jeffrey Steele - 12 Comments
One thing that amazes me is the conviction of so many people that things will be about the same economically – or maybe better – in the future as they are today.
I’ve got bad news for them. They’re dreaming. For many or most Americans, things aren’t likely to be as good or as easy years [...]
Published on June 7th, 2011 - 12 Comments
Filed under: Economy, Saving & Investing
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Filed under: Economy, Saving & Investing
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Inflation and the Billion Prices Project
Written by Nickel - 4 Comments
When it comes to planning for your financial future, inflation is a huge issue. In fact, given the historic annual inflation rate of 3.75% a million dollars today will be worth just over $190k in 50 years. Moreover, using that historic rate along with the rule of 72, we can further conclude that prices will [...]
Published on May 25th, 2011 - 4 Comments
Filed under: Economy, Online, Planning, Retirement
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Filed under: Economy, Online, Planning, Retirement
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