Certain Uncertainties in Retirement

Certain Uncertainties in Retirement

The uncertainties we face in retirement can erode our sense of confidence, potentially undermining our outlook during those years.

Indeed, according to the 2013 Retirement Confidence Survey by the Employee Benefits Research Institute, only 18% of retirees say they are “very confident” about having enough assets to live comfortably in retirement. Almost 40% were either “not too confident” or “not at all confident.”

Today’s retirees face two overarching uncertainties. While each on their own can lead even the best-laid strategies to go awry, it’s important to remember that remaining flexible and responsive to changes in the landscape may help you meet the challenges of uncertainty in the years ahead.

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Crowdfunding Capital for the 21st Century

Crowdfunding Capital for the 21st Century

One of the earliest examples of crowdfunding occurred in 1884 when funds ran short for building the Statue of Liberty’s pedestal. The publisher Joseph Pulitzer used his newspaper to appeal to Americans to donate the money needed to complete the pedestal’s construction. Over $100,000 in six months was raised from more than 125,000 people.

But it look the internet to truly put the wind in the sails of this unique form of fundraising. One study found $2.7 billion was raised in 2012 for more than one million initiatives – 81% increase from the previous year. The same study forecasted that $5.1 billion in global crowdfunding would be raised in 2013.

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Earnings for All Seasons

Earnings for All Seasons

While nature offers four seasons, Wall Street only one – four times a year. It’s called “earnings season” and it can move the markets. So what is earnings season and why is it important?

Earnings season is the month of the year that follows each calendar quarter-end month (January, April, July and October). 

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