Curated Insights

Financial Matters

News and information to help improve your Four Capitals
the approach
Conferences & Meetings

Investments and Wealth Institute’s Annual Conference Experience 2019 (ACE) Recap

The Investments and Wealth Institute’s flagship event is their Annual Conference Experience (ACE). This conference offers four days of exposure to “the sharpest thinkers and practitioners: blending Ivy League quality education with practical application.” Alyssa had the opportunity to attend ACE this May in Las Vegas.

Posted By Alyssa Dalbey
June 14, 2019
Cybersecurity

Frozen Out of Creating a my Social Security Online Account

The Social Security Administration has advocated for using their my Social Security online tool. From my Social Security, users are able to view their Social Security benefit statements and review earnings history. It is also an easy way to request a replacement Social Security Card or to enroll in Medicare. This seemingly simple alternative could save you from hours of waiting in line at your local Social Security office.

Posted By Alyssa Dalbey
June 3, 2019
Cybersecurity

Responding to Suspicious Phone Calls

Fraudulent phone calls are becoming increasingly popular. Phone scammers may pretend to be a loved one or they may use false promises or aggressive sales pitches to get through to you. Their goal is to elicit personal information or to receive a payment from you.

Posted By Alyssa Dalbey
May 29, 2019
Investment Management

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.

Posted By Schultz Financial Group Inc.
May 22, 2019
Financial Planning

Financial Checklist for Newlyweds

Getting married is an exciting time. It can also be challenging as you navigate financial discussions with your spouse or spouse-to-be. This checklist is intended to help guide your financial discussions and help you outline your personal to-do list.

Posted By Alyssa Dalbey
May 13, 2019
Investment Management

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.

Posted By Schultz Financial Group Inc.
May 13, 2019