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In 2019, a Pew Research Center survey reported many Americans were pessimistic about the future. Their worries included the national debt, the gap between the rich and the poor, and automation.1 Martin Luther King was sometimes...
Read MoreSince 2011, the number of Americans owning smartphones has increased from 35 percent to 81 percent, although there remains a significant digital divide, demographically. A Pew Research survey found the vast majority of younger...
Read MoreNot everyone is financially prepared for retirement. Earlier this year, the Employee Benefit Research Institute estimated almost 41 percent of American households will run short of money in retirement. That’s an improvement over 2014...
Read MoreIf you’re not fond of New Year’s resolutions, then start or adopt new traditions that help get the year off to a positive start. Your new tradition should be something you can repeat each year with family and friends. Here are a few...
Read MoreNo matter what holiday you celebrate, we hope it’s filled with joy, laughter, and heartfelt happiness. That said, we know holiday cheer can be overwhelmed by the pursuit of perfection and opinions of relatives. Just in case your...
Read MoreYou’ve probably never asked your adult children and younger relatives whether they have security software on their computers and devices. Why would you? They’re digital natives, born with keyboards under their fingertips.It may be time...
Read MoreThanksgiving is all about gratitude. In 1621, the Plymouth colonists shared an autumn feast with the Wampanoag Indians. They were celebrating survival and friendship. It’s also a poignant story.1About one-half of the passengers who...
Read MoreAfter World War I, many nations celebrated the end of “The Great War” by establishing Armistice Day. Eventually, the holiday was broadened to celebrate those who served in all wars. In the United States after World War II and the...
Read MoreOne of the most discussed topics in the United States is retirement security. Few Americans have set aside enough savings to live comfortably throughout retirement. In fact, the most recent National Retirement Risk Index (NRRI)*...
Read MoreAmericans expect to spend $8.8 billion on costumes, decorations, candy, and other Halloween purchases, according to the National Retail Federation.1That’s enough money to purchase the New England Patriots ($3.8 billion), the Los...
Read MoreWhat data about you is most important?The data that identity thieves are after – social security, credit card, and bank account numbers – is important, as well as more basic data which is being collected by companies whose devices you...
Read MoreThe simple answer is probably.Historically, the American economy has grown in fits and starts, otherwise known as recessions and expansions. As a result, it is likely there will be another recession in the United States.What are...
Read MoreWould you give up a share of $62 billion?Would you give up a share of $62 billion?If your answer is no, then you may be a member of the relatively small group of Americans (36 percent) that takes all of the vacation days available to...
Read MoreJust over 100 years ago, Americans typically worked physically demanding jobs. Adults toiled 12 hours a day, seven days a week for low wages. Americans did not take lunch breaks. They did not get sick days or vacations. They were not...
Read MoreThe world is becoming smarter and more connected all the time – and that has serious implications for people who want to protect their personal data and their privacy. If you’ve been enjoying the convenience of smart utilities and...
Read MoreWhether you own a house or rent an apartment, building a smart home is easier than it has ever been. Homeowners and renters can purchase kits that integrate specific smart items or they can select smart home products, such as light...
Read MoreIn 1983, President Ronald Reagan signed legislation establishing the third Monday of January as Dr. Martin Luther King, Jr. Day.1 Dr. King, who is remembered for his powerful oratory and transformative ideas, once said, “Life’s most...
Read MoreBella. Coco. Charlie. Lucy. Max. No matter the name, many pets are considered to be members of the family, providing companionship, protection, and unconditional love. The pet-owner relationship has some powerful benefits, which may...
Read MoreIt’s only January, but you may want to jumpstart your 2018 taxes since there are a slew of new regulations that may affect you. The Tax Cut and Jobs Act (TCJA) of 2017 goes into effect this year so make sure you understand how tax...
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Thursday, January 3, 2019
At Heritage Financial Planning, being a leading fee-only financial planner means more than just spreadsheets and financial calculators. It means being there for community support especially when that means supporting the youth of...
Read MoreEat healthier. Get more exercise. Save more money. Those were the top New Year's resolutions for 2018, according to Statista.1 Few people achieved them. One of the reasons so few resolutions become reality is because people tend to...
Read MoreHolidays can be joyful and a little stressful. Here are a few ways to bring a moment of happiness into your life and the lives of those around you:1 • Take time to call an old friend.• Buy coffee for a stranger.• Briefly chat with your...
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Sunday, December 9, 2018
Congratulations to Atlanta United for a thrilling victory in the MLS Cup Finals. The “Five Stripes” brought home the first major sports championship to Atlanta since the Braves 1995 World Series Championship in front of an...
Read MoreWhen the ups and downs of stock markets leave you stressed and wondering whether stocks really will help you pursue your long-term financial goals, there are two things to remember:1. Historically, over long periods, stocks have tended...
Read MoreWhen the ups and downs of stock markets leave you stressed and wondering whether stocks really will help you pursue your long-term financial goals, there are two things to remember:1. Historically, over long periods, stocks have tended...
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Wednesday, November 28, 2018
Atlanta serves as the headquarters for numerous publicly traded companies, and some of them need a serious rally in order to finish 2018 with gains in their stock prices. Six Atlanta area companies are in the Fortune 200 list, and not...
Read MoreThanksgiving is a true American holiday. It celebrates generosity and gratitude, and it recognizes the relationships that helped colonists who arrived on the Mayflower in 1620 survive beyond their first winter. History.com explained:1...
Read MoreThere are more than 20 million veterans living across the United States. These men and women fought in World War II, the Korean War, the Vietnam War, the Gulf War, the Iraq War, the War in Afghanistan, which continues today, and many...
Read MoreIt’s a pricey question.It’s a pricey question.College Board estimated the average cost for full-time, in-state students who live on campus at four-year public colleges or universities during the 2017-18 school year is $25,290...
Read MoreIf trick-or-treating in your neighborhood requires a trick to get a treat, your little ghosts and goblins will need some short and easy-to-remember options. Here are a few that were recommended by Reader’s Digest:1• What has hundreds...
Read MoreRemember the television classic, Green Acres? Eddie Albert, who portrayed a New York City lawyer, and Eva Gabor, who portrayed his sophisticated spouse, move from the big city to the country – and it’s not quite what they expected...
Read MoreHere’s a number that will knock your socks off: $400 trillion.1By 2050, the retirement savings shortfall in eight of the world’s largest economies is expected to reach $400 trillion, according to estimates from the World Economic Forum...
Read MoreLabor Day is set aside to celebrate the social and economic achievements of American workers. It was proposed as a holiday by Matthew Maguire in 1882 while he served as secretary of the Central Labor Union in New York, NY. The labor...
Read MoreHow long will you live? How long will you live? It’s not a question anyone can answer with any certainty, and that creates a significant risk when planning for retirement. Your retirement may last for a long time, and you will need to...
Read MoreIn recent years, investors have largely ignored geopolitical risks. Russia’s invasion of the Crimean Peninsula, the Brits’ vote to leave the European Union (EU), unrest in the Middle East, and other global events have not affected...
Read MoreIn the olden days, the word ‘subscription’ typically was applied to just magazines and newspapers. Today, that’s not the case. Americans are buying everything from meal kits to baby products to vitamins by subscription. A McKinsey &...
Read MoreOn July 4, 1776, the American colonies banded together and declared independence from Great Britain. The countries had been at war for more than a year due to a number of issues, particularly in regards to harsh taxation and a lack of...
Read MoreTo the relief of many South Africans, Day Zero has been pushed back to 2019. Day Zero is the date on which Cape Town will run out of water, and its four million residents will begin to collect daily water rations of about seven gallons...
Read MoreThere are many perceived requirements of being a dad. “One of the jobs of a good dad is to help kids become a little tougher, a little more resilient, a little more separate…dads push kids to leave the nest; they brush off the dirt...
Read MoreThe words ‘bear market’ have been bandied about a lot lately. When you read or hear them, remember to respond the same way you would if you saw an actual bear in the woods – by staying calm and keeping your wits about you. A changing...
Read MoreIf you’ve ever composed a grocery list in your head while driving carpool and listening to your children discuss who got in trouble at school and why, then you know what it’s like to have your attention divided. If you’ve ever worked...
Read MoreMother’s Day is almost here! We all have moms and, whether they gave birth to us or not, they have helped us become the people we are today. Here are 10 reasons moms are so important, adapted from Psychology Today:11. She gave birth to...
Read MoreUnderstanding family attitudes towards money may improve financial decisions and reduce financial stress. Understanding family attitudes towards money may improve financial decisions and reduce financial stress. People inherit more...
Read MoreTechnology is a life changer. GPS has improved interpersonal relations by eliminating arguments about asking for directions. Apps for car services, food delivery, video streaming, news media, and social media have changed the way we...
Read More“There’s no place like home.”1Conjuring an image of ‘home’ was a lot easier for Dorothy than it is for people who are on the cusp of retirement. After all, isn’t retirement supposed to be a new start? Aren’t retirees supposed to wave...
Read MoreIt’s almost time to don green and gold. That’s right, March 17 is upon us. There’s more to the holiday, however, than eating corned beef and cabbage and celebrating the Irish. For instance, St. Patrick is the patron saint of Ireland,...
Read MoreHere’s a number most people would like to see on an annual statement: 21.6 percent. That was the annual return for the Standard & Poor (S&P) 500 Index during 2017. In general, U.S. stock indices did quite well last year – and the year...
Read MoreIf you’re looking for a gift that will express your love better than chocolates or a bouquet of flowers, don’t fret. Trendhunter.com has some innovative and unconventional suggestions:• Literary love tattoos. Perhaps, you’d like Rainer...
Read MoreHere’s a riddle for you: Some people are reluctant to start me, unless I’m automatic. I’m frequently exhausted when I don’t roll over. I’m sometimes left behind. Retirees devour me. What am I? Answer: A retirement savings plan.New jobs...
Read MoreMost Americans know Martin Luther King, Jr. was a Baptist minister and the leader of the Civil Rights Movement in the United States until he was assassinated in 1968. Test your knowledge with this quiz about Dr. King.1. Before...
Read MoreFifteen years ago, a Health Services Research report described the challenges ahead for the United States as the Baby Boom generation aged into retirement. Four issues were paramount: 1) improving payment and insurance systems for...
Read MoreThe last bear market in bonds began in the middle of the last century and lasted for about 31 years. Some investors who bought bonds in 1950 locked in relatively low rates of return for a very long time. On January 1, 1950, 10-year U.S...
Read MoreNew years bring new adventures, and 2018 is no different. To paraphrase Ed Sullivan: 2018 could be a really big year. Here are a few of the events we can look forward to:• Men’s World Cup in Russia. CBS’s power rankings put Brazil at...
Read More“The holidays are often seen as a time of joy: ruddy cheeks, festive parties, and twinkling laughter, all wrapped in a warm, tinsel-framed glow. It’s the most wonderful time of the year! It may be the ‘season to be jolly,’ but not...
Read MoreThere is a simple and unsettling reality in the United States. Most Americans are not financially prepared for retirement. There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for...
Read MoreThanksgiving is the mother of all family dinners. It’s a celebration of our great nation and the many blessings that occur when people unite together in the spirit of communication. As you’re gathered around the table this year, here’s...
Read MoreAll too often, we assume the men and women who fought for our country can take care of themselves. Unfortunately, that isn’t always the case. There are some important ways ordinary Americans can help those who are returning from battle...
Read MoreRetirement and Social Security are inextricably linked. Not only did Social Security help establish the official U.S. retirement age at 65, it also provides a significant portion of today’s retirees’ incomes. Retirement and Social...
Read MoreHalloween is almost upon us! Whether you’re wearing a costume, decorating your yard/house, or handing out treats, you won’t be alone. More than 179 million Americans are expected to participate in 2017’s Halloween festivities – and...
Read MoreSmartphones are incredibly handy. That may be why about three of every four Americans own them.1 On average, smartphone users spend almost three hours a day – 86 hours every month – using their phones. They send texts and email,...
Read MoreHow times change! In 1940, half of Americans finished their education in eighth grade. College degrees were relatively rare. Just 6 percent of men and 4 percent of women had one.1During the past 80 years, college has become far more...
Read MoreMost investors are familiar with the maxim ‘buy low and sell high.’ The unfortunate reality is that it’s a difficult principle to follow. Buying low often means investing in a company when its shares are priced below full value.Of...
Read MoreWould you accompany a group of high school students studying photojournalism and social change in Argentina? How about a group learning about language and culinary traditions in France? Does working for a season or two in a great place...
Read MoreOur Founding Fathers structured American democracy and left a legacy that has greatly influenced the world. This Fourth of July, see what you know about the Founding Fathers by taking this brief quiz. 1. Who were America’s Founding...
Read MoreYou may be asking yourself whether that’s a trick question. After all, almost one-third of 18- to 34-year-olds are still living at home with their parents. It is, in fact, the most common living arrangement for this age group and a...
Read MoreFor several years, researchers at Boston College have been studying the experiences and expectations of fathers. As you might suspect, the way in which men understand the role of ‘Dad’ has been changing. While some still believe their...
Read MoreIn medieval times, alchemists sought methods for transforming ordinary metals into gold. Today, just about every adult searches for a means of transforming savings into a retirement’s worth of income. Recently, they received help from...
Read MoreBefore the big barbecue, take time this Memorial Day weekend to honor the men and women who gave their lives fighting for our country. If you’re looking for a way to remember those brave Americans, here are a few suggestions:1 • Raise...
Read MoreScientists have been mapping our mothers’ brains! They haven’t found eyes in the back of her head, or a way to help her worry less, but they are beginning to understand the mother-child bond better:1 “After centuries of observing...
Read MoreSuper Bowl winners, the length of hemlines, and Sports Illustrated covers – all of these have been used to develop theories about the direction in which stock markets may be headed. Presidential elections and terms have also inspired a...
Read MoreIf you receive a voice or email message from the Internal Revenue Service (IRS), or you field a phone call from an IRS agent informing you “you owe back taxes” and “you better pay now or be arrested (or deported)...
Read MoreCollege students have steep learning curves. In high school, they were tasked with doing well academically, participating in extracurricular activities, complying with the rules of their parents’ homes and, possibly, having a job...
Read MoreIf wars were fought with words, Ireland would be ruling the world. --Irish proverb1 The wit and humor of the Irish is legendary, as is their ability to weave words into poems, prose, folk tales, and song. On this St. Patrick’s...
Read MoreIt’s almost tax time. During April, many people take advantage of the opportunity to reduce taxes by funding a Traditional IRA. While that makes sense for some Americans, others may benefit by contributing to a Roth IRA that...
Read MoreAre you looking for just the right Valentine’s Day message for someone you love? Here are a few suggestions that have a decidedly financial twist from 14 Ways an Economist Says I Love You by Liz Fosslien. The messages are...
Read MoreThe world’s first central bank offered unprecedented convenience. It gave 17th century Swedes the option to pay with paper notes rather than 40-pound copper plates, which were the currency units of the Swedish empire at the time....
Read MoreDr. Martin Luther King, Jr. was a complex man who took an unconventional approach to a difficult problem. He used non-violent protests to focus attention on civil rights in the United States. While he fought the status quo, he...
Read MoreUnderstanding 2016’s Higher Medicare Part B PremiumsOne-in-seven Medicare enrollees will pay higher Medicare Part B monthly premiums during 2016. Their premiums will be $121.80 each month, an increase of 16 percent. While...
Read MoreFrom early Babylonians to present-day Americans, people have been celebrating the beginning of every new year for almost four thousand years!1 Here are a few ways people celebrate the holiday in the United States:2 61 percent of...
Read MoreDecember is full of high spirits and good cheer. If you browse online, you’ll find some surprising holidays amidst more well-known celebrations. Just in case you need more reasons to celebrate the season, here is a list of major...
Read MoreThanksgiving traditions aren’t quite as straightforward as the elementary school plays about Pilgrims and Native Americans sharing a feast would have us believe. History.com suggests that’s because Thanksgiving is,...
Read MoreVeterans are skilled leaders and problem solvers who have a lot to offer in and out of the service. Got Your 6, a campaign to empower veterans in America, offered some interesting insights about the men and women who have chosen to...
Read MoreYou may have heard of tax loss harvesting. Some people harvest losses every year, while others do so only when they have taken significant capital gains or have received more income than expected during a given year (perhaps they sold...
Read MoreA number you’re probably not looking for is 1.5 billion. That’s the number of pounds of pumpkins grown every year. History.com said that’s more than twice the weight of the Empire State Building. Here are a few other interesting...
Read MoreIf you’re 57 or older, it’s a pretty good bet you take at least one prescription medication. If you take more than one, it’s really important to understand how the drugs may interact with one another in your system – particularly, if...
Read MoreTwenty-five years ago, the Americans with Disabilities Act was signed into law, guaranteeing disabled Americans – people with mental, physical, or emotional disabilities – equal opportunity in employment, transportation, government...
Read MoreTwenty-five years ago, the Americans with Disabilities Act was signed into law, guaranteeing disabled Americans – people with mental, physical, or emotional disabilities – equal opportunity in employment, transportation, government...
Read MoreWorkers are essential to innovation and success. According to the London School of Economics (LSE), they’re a source of ideas for new products, new services, new approaches to work, and new business models.1Worker-led innovation must...
Read MoreWorkers are essential to innovation and success. According to the London School of Economics (LSE), they’re a source of ideas for new products, new services, new approaches to work, and new business models.1Worker-led innovation must...
Read MoreHealthcare. Retirement. Those may be two of the most stressful words in the English language today. Especially when you include them both in the same sentence. For instance, a married couple that saves $326,000 has a 90 percent chance...
Read MoreHow Do You Make Money in Stocks?Have you ever watched Family Feud? Perhaps you were a child when Richard Dawson hosted the game show or maybe you enjoy the current version. No matter, take a moment and:• Name a three-letter word that...
Read MorePeople think about character in many different ways. You have probably heard or may have commented on someone else’s character by saying:• She is a woman of good character.• What a character!• That was really out of character.• He has...
Read MoreAchieving U.S. citizenship can be life changing, but it is not easy. Those who aspire to become American citizens must pass a 100-question naturalization test and answer six of 10 questions correctly during their naturalization...
Read MoreWhile your high school student is taking standardized tests, parsing college choices, and raring for graduation, you’ll probably find yourself spending some time with net income calculators on college websites. Whether your family’s...
Read MoreModern dads are a diverse bunch. They may go to work or stay at home with the kids. They may be single, married, or dating. They may be birth parents, adoptive parents, or step-parents.1 They may be expected to teach children morals...
Read MoreThere are many ways to show gratitude for the sacrifices made by the men and women who have died while fighting for our freedom. In 1868, General John Logan issued a Memorial Day Order that said:1“Let us, then, at the time appointed,...
Read MoreWhen you think “Mom,” it’s likely your brain conjures up a scent or a story or a song that feels like home. Here are a few inspiring and heartfelt words that have been written about the value and importance of mothers:“A mother enables...
Read MoreIt all depends on you. Thanks to the Baby Boom generation, pre-retirees and retirees have a lot more options than did previous generations of Americans. There is a lot to consider before you decide where to live during retirement: your...
Read MoreBefore you know it – thanks to smart phones, tablets, and wireless technology – your home will be connected to the Internet of Things. Sure, home automation costs a few shekels, but just imagine it! You could be the envy of Jane Jetson...
Read MoreSt. Patrick, the apostle of Ireland, is one of the most well known and popular Catholic saints. Of course, he wasn’t actually Irish and his birth name wasn’t Patrick! Maewyn Succat was born to Calpurnius and Conchessa, a Roman couple...
Read MoreRomantics welcome Valentine’s Day and having the opportunity to lavish loved ones with attention. Economists appreciate Valentine’s Day, too. Sure, the $13 billion spent on Valentine’s Day is just a drop in the $17 trillion bucket of...
Read MoreYou have probably heard the term ‘planned obsolescence.’ It’s also known as ‘shortening the replacement cycle.’ No matter what you call it, the strategy was developed by manufacturers to ensure consumers would buy products more than...
Read MoreSome people have a gift when it comes to gifts. Whether it’s a birthday, wedding, baby shower, Christmas, Hanukah, or some other occasion, they always seem to find just the right thing for each person. If you’re not an insightful gift...
Read MoreSitting is bad for your health. Whether you’re sitting at a desk doing work, in a classroom listening to a lecture, or on a ship sailing the ocean, research suggests extended periods of sedentary behavior may increase the likelihood of...
Read MoreHistory is full with examples of parents taking actions they believe will improve the lives of future generations. In 1780, then President of the United States John Adams wrote to his wife:[1]“I must study Politicks and War that my...
Read MoreUse Your Brain!If you’ve been “feeling your age” lately, you may want to pick up a copy of molecular biologist John Medina’s newly updated and expanded book Brain Rules (or download it onto your mobile device). In the book, he marvels...
Read MoreCredit and Payment Security: A Cycle of Good News and Bad NewsIt was good news. In July 2013, federal prosecutors in the United States brought indictments against members of a sophisticated Russian syndicate. The gang members were...
Read MoreJust Breathe: The Benefits of MeditationThere is a reason why many people try meditation and few stick with it: Mastering meditation is difficult. It requires you to focus 100 percent of your attention for an extended period of time....
Read MoreIf you’re not a technology wonk, you may not realize the Internet and the Worldwide Web are actually two different things. The Internet is a global system of interconnected computer networks. The Worldwide Web is a system of...
Read MoreWhether you’re retired or working, do you really know where you spend your money? These are increasingly important questions today as more people are helping not only their children, but also their grandchildren. This may also be at...
Read MoreChronicles of You and You and You…Facebook, YouTube, Twitter, Instagram, Google+, LinkedIn, Pinterest, Tumblr, and other social media websites have changed the way we communicate, learn, and behave. Each option has its proponents and...
Read MoreA well-designed plan is necessary for successful investing, but you must also have the discipline to stay on course, rebalance, and tax-manage, as needed. Unfortunately, most investors do not have a written plan. And, emotions such as...
Read MoreAs the American population ages into retirement, younger generations may be the ones responsible for picking up the pieces. There’s only one problem: the younger generation is in no position to do so.A recent study by the Urban...
Read MoreThe media is getting all up in a hissy-fit about AIG issuing bonuses after having to be bailed out by the government, and when the media tells you to care, you listen. In turn, now the public is mad. Since the public is mad, now Obama...
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