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Wal-Mart has a problem: Its typical shopper appears to be tapped out. On Feb. 18, the world’s largest retailer reported 2.8 billion in worldwide revenue last quarter, up 4.6% from a year ago. But Wal-Mart (WMT) also said U.S. same-store sales fell 1.6% last quarter, and noted traffic in U.S. stores fell slightly. That unnerved investors, Continue reading Spending: The Paycheck-to-Paycheck Consumer I was not aware of the seriousness of Compulsive Shopping/Spending Disorder (CSD) until I recently took a closer look at it. CSD is very similar to other addiction issues such as alcohol, smoking, drugs and sex. Although CSD is not specifically listed in the Diagnostic and Statistical Manual of Mental Disorders (DMS), it does seem Continue reading Compulsive Shopping/Spending Disorder (CSD) For the first time in three years, credit-card issuers are ramping up their mailbox solicitations, but don’t expect to see your father’s credit-card appeals. Variable interest rates, higher annual fees and a host of new charges will be hidden in the fine print of these offers. See the full article You would like so desperately for our housing woes to end that you want to believe the latest numbers on mortgage delinquencies and foreclosures signal a turnaround in the fortunes of American homeowners. But the numbers just don’t ring true. See the full article Prosperity Concierge does not consider Russia to be appropriate for investors. The risks are simply too high. That being said, there is a place for modest investment in Russian energy companies in a well-diversified portfolio. Most emerging countries have made great strides to reduce risks and, as a result, represent good value for investors. Russia is an Continue reading Use Caution When Investing in Russia for Your Emerging Market Portfolio – The Risks are High Question: I’m 24 and my retirement plan 401(k) plan matches .25 for every dollar I contribute up to 6% of salary. I currently contribute 3% of my salary and then put a month into a Roth IRA. I do that because I don’t want all my eggs in one basket. I’m wondering, though, whether Continue reading 401(k) Mistake: Turning down free money There are many reasons why your neighbor might have a much brighter retirement outlook than you, or vice versa. But to what degree does your 401(k) plan itself make a difference? See the full article As you enter retirement, probably the largest and most daunting expense you encounter will be taxes. And we’re talking not just of a benign single item of expense, but quite possibly many different kinds of levies. Each one of our 50 states can enact and enforce state and local taxes by the dozen, as well Continue reading Taxes are Major Money Issue for Retirees Some policy makers at the Federal Reserve seem to be chomping at the bit to get the Fed out of the mortgage business, but the Federal Open Market Committee’s forecast for only a modest economic recovery and excruciatingly slow job growth could mean it’ll take years before that happens. See the full article Parents who reenter the workforce and have a new job after a long break to care for children can face a daunting readjustment period filled with new technology, challenging office dynamics and family upheaval. See the full article |
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