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.
ByWe 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.
ByIf you are new to gardening or do not have a green thumb, there are plenty of low-maintenance indoor plants that you can use in your home and office. Here is a list of some indoor plants that may help boost your health.
ByGum 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.
ByThe Inspector General of Social Security released a statement warning citizens about a caller ID spoofing scheme. Fraudsters are using the Social Security Fraud Hotline number to call citizens. Social Security employees do not place outgoing calls from the Fraud Hotline number. It is advised that you do not engage with these calls or provide personal information.
ByMost of us tend to be more active in our younger years. However, experts agree that the need for exercise, both strength and cardio, only increases as we age. Here are 6 myths about fitness after age 50.
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Nine Ways to Protect Yourself From ‘Impostor’ Voice Scams
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A secret word, a silent text message and some deep breathing can shield you from scam callers.
The Five Things You Shouldn’t Tell ChatGPT
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The more you share with an AI chatbot, the more helpful they can be. But you may want to consider what information you share with these human-sounding tools, including your Social Security number or y...
How to Avoid the Copycat Hotel Websites That Are Ripping You Off
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Some lesser-known hotel-booking websites charge hefty fees you won’t pay on the hotel’s site or major online travel agencies.
The Joys of Floating Down a Wild River
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Here are three trips to consider where the crowds are minimal and the scenery is spectacular.
Planning a European Getaway? Here’s the Latest on Travel Rules
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The requirements for travel vary based on the destination. The United Kingdom says U.S. citizens need to get electronic travel authorizations ahead of their flights. The European Union will eventually...Market commentary is intended for convenience, educational, and informational purposes only and should not be construed as individualized advice or recommendations. The discussions contained on this page are not a substitute for investment advice from a professional adviser. Readers should not use this content as the sole basis for any investment, financial planning, tax, legal or other decisions. Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced. While information presented is believed to be factual and up to date, Schultz Financial Group (“SFG”) does not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. Due to various factors, including but not limited to changing market conditions, this market commentary may no longer be reflective of current opinions or recommendations. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change.