Vacationing With Grandchildren
Read some tips on how to have a great vacation with your grandchildren.
Author: Schultz Financial Group Inc.
Posts by Schultz Financial Group Inc.
7 Ways to Protect Your Home While Traveling this Summer
When you return home from a great vacation, the last thing you want to deal with is being a victim of a break-in. You can thwart off most attacks on your house. Here are seven ways to help protect your home while you’re exploring the world this summer.
Eating for Optimal Nutrition as an Older Adult
In the past few years, Tufts’ Jean Mayer USDA Human Nutrition Research Center on Aging released updated dietary guidelines for older adults. They note that, after age 50, caloric needs decrease to 2,000 for men and 1,600 for women. However, vitamin and mineral needs actually increase or stay the same. It may be challenging to keep up your nutrients on limited calories, so MyPlate for Older Adults created a loose template to help adults over 50 eat the necessary foods to achieve this goal.
China’s Municipal Debt Challenge
As we have discussed in our other blog topics focused on China, the GDP numbers, total outstanding debt, and other various statistics reported by their government have been questioned and scrutinized over the years. While most analysts put China’s debt/GDP near 250%, The Institute of International Finance (IIF) actually believes that China’s debt load was possibly as high as 300% in 2017. Today, we expect that to be much higher.
Shifting Financial Leverage Poses Economic Risk
We believe the 2008 financial crisis was caused by too much leverage, specifically in the financial sector. The average total debt held by S&P Financials was approximately six times their equity. In the US today, banks have done their part in deleveraging and this ratio is now approximately one for one. The Federal Reserve’s response to the crisis was to lower rates to essentially zero to encourage spending and borrowing to stimulate the economy. Both businesses and the government seem to have quickly seized the opportunities created by cheap debt.
The Link Between Gum Disease and Other Diseases
Gum disease, also called periodontal disease, is an inflammation of the gums, and it can breakdown the bone tissue that holds the teeth in place. It’s a generally painless disease that gives few warning signs in its early stages, but it can inflict damage to your oral health and other areas of your body.
