Notes from Chris Episode 3275 Many people inherit the belief that discussing money signals greed or disrespect. When you start a service business, that conditioning collides with reality: if you can’t quote a price confidently, the client assumes the value is uncertain. The solution isn’t to change your personality—it’s to move pricing out of improvisation and into a system so you never “ask,” you simply present. “I grew up in a culture where discussing prices or negotiating feels rude—money talk is something you keep private. Now I’m offering 1-on-1 language-tutoring sessions online, and I freeze whenever it’s time to quote…
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These days, it seems like every other TV commercial is for yet another insurance product. While consumer choice can be a good thing, not all insurance is as essential as the ads make it seem.”There’s a lot of sales and marketing based on fear that especially targets retirees,” says Jonathan Howard, a certified financial planner with Accurate Advisory Group, as well as a former insurance salesman. “People end up buying because they’re terrified of a loss rather than to cover an actual insurance need.”Although Howard believes insurance plays an important role in anyone’s financial plan, some products are more about…
Shannon Reid, formerly of Raymond James, who will be president and head of advisor growth and engagement at Osaic. Two well-known industry executives have stepped away from Raymond James’ independent channel following the firm’s bumper year for recruiting.Shannon Reid, formerly president of Raymond James Independent Contractor Division, left this week to take on the title of president at the firm’s independent broker-dealer rival Osaic. And former division director Alex David departed to become president and CEO of dually registered brokerage-advisory firm Equity Services in Montpelier, Vermont, starting Dec. 16.Besides serving as president of Osaic, Reid will also hold the title…
After skipping a month due to the federal government shutdown, the Consumer Price Index (CPI) was released for November, showing the inflation rate ticking lower. The post CPI Inflation Drops to 2.7% in November, Stocks Jump appeared first on ValueWalk.
Treasuries gained across the curve as softer-than-forecast US inflation data led traders to step up bets that the Federal Reserve will cut interest-rate next year.
Pamela de la Fuente leads NerdWallet’s consumer credit and debt team. Her team covers credit scores, credit reports, identity protection and ways to avoid, manage and eliminate debt. Previously, she led taxes and retirement coverage at NerdWallet. She has been a writer and editor for more than 20 years.Pamela joined NerdWallet after working at companies including Hallmark Cards, Sprint Corp. and The Kansas City Star.She is a thought leader in content diversity, equity, inclusion and belonging, and finds ways to make every piece of content conversational and accessible to all.She is a graduate of the Maynard Institute’s Maynard 200 program,…
In This Article This article is presented by Rent To Retirement. When I bought my first rental property, I thought I needed to be there to see it in person. I pictured myself walking the neighborhood, pretending I knew what I was looking at while searching for “what does a good roof look like.” I imagined chatting with contractors, shaking hands with property managers, and doing the whole boots-on-the-ground thing. Then I learned you can scale a portfolio from your kitchen table. At that point, being there in person felt more optional than ever. Investing across the country used to…
’Tis the season for phone upgrades. Holiday deals on smartphones and wireless plans make this a natural time to reassess what you’re paying each month and whether switching providers could save you money or add value.One option catching attention right now is T-Mobile’s prepaid lineup, thanks to a mix of flexibility, no annual contracts and some other valuable perks. For baseball fans in particular, the inclusion of MLB.TV on select plans makes this offer hard to ignore.But perks alone don’t make a phone plan a smart financial move. If you’re considering switching your cell phone provider or just want to…
Putin to talk of war and peace at marathon news conference
Financial advisors’ basic asset location services are “one of the most powerful, yet often underutilized” strategies in portfolio management, a new Morningstar study found.Processing ContentAnd the placement of assets for the best tax efficiency and higher after-tax returns drives a substantial share of the value advisors can deliver for clients through portfolio management. For a saver with $1 million at retirement, asset location strategy over the next 30 years of decumulation pushes the value up seven to 30 basis points a year and $112,000 in the final bequest “without sacrificing annual spending,” according to the study, which was released last month…