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Cooperatives RSS FeedsAMERICA SAVES WEEK - From ICI: The Investment Company Institute is encouraging Americans to assess their personal savings and set a savings goal as part of the "America Saves Week" national campaign. This year's America Saves Week is February 21-28. Approximately 89 million Americans use mutual funds to save for their financial goals. ICI research has found that 94 percent of mutual fund-owning households identified saving for retirement as one of their financial goals; 76 percent said it's their primary goal. In addition, despite the recent bear market, 95 percent of defined contribution plan participants kept contributing during the first three qu...Feed Source: UNDERSTANDING CREDIT - From Federal Reserve Board: Although credit cards are not an investing tool, understanding and properly managing your credit is important to your overall financial planning. The Federal Reserve Board launched a new interactive website to help consumers better understand the new credit card protections that went into effect on February 22. These rules ban several harmful practices and require greater transparency in the disclosure of the terms and conditions of credit card accounts. The site, which can be found at www.federalreserve.gov/creditcard, summarizes the main provisions of the rules and explains how they will affect credit card users ... ECONOMIC CRISIS 101 - From NEFE: Ninety-five percent of college students say the economic crisis has impacted their family's finances and 93 percent have felt an effect on their own financial lives. The crisis also ultimately affected students' confidence, behavior, and trust in financial institutions and overall well-being. This data stems from the landmark study Arizona Pathways to Life Success in University Students (APLUS), funded by the National Endowment for Financial Education. At the height of the economic crisis, researchers at the University of Arizona completed Wave 1.5 of a longitudinal study of how young adults develop financial attitudes and behaviors. One of the most significant outc... INVESTOR CLASSROOM: THE BOND MARKET - From AAII: While people speak of the bond market as if it were one market, in reality there is not one central place or exchange where bonds are bought and sold. Rather, the bond market is a gigantic over-the-counter market, consisting of networks of independent dealers. Whereas stocks sell in one of three independent exchanges, most bonds are sold dealer to dealer. Overwhelmingly, this is an institutional market. It raises debt capital for the largest issuers of debt, such as the U.S government, state and local governments, and the largest corporations. The buyers of that debt are primarily large institutional investors. Enter the individual investor. To learn more about the bond market as an individual investor, check out the American Association of Individual Investor's Investor C... STRENGTHENING MONEY MARKET FUNDS - From SEC: The Securities and Exchange Commission adopted new rules designed to significantly strengthen the regulatory requirements governing money market funds and better protect investors. The financial crisis and the weaknesses revealed by the Reserve Primary Fund's "breaking the buck" in September 2008 precipitated a full-scale review of the money market fund regulatory regime by the SEC. A money market fund "breaks the buck" when its net asset value (NAV) falls below $1.00 per share, meaning investors in that fund will lose money. The SEC's new rules are intended to increase the resilience of money market funds to economic stresses and reduce the risks of runs on the funds by tightening the maturity... 10 FINANCIAL PLANNING TIPS - Even before the recent economic downturn, the financial landscape in the United States was changing dramatically. While many American adults might believe they are adept at dealing with day-to-day financial matters, their actual financial behavior tells a different story. As findings from a recent FINRA Investor Education Foundation survey shows, far too many people tend to engage in financial behaviors that generate excessive expenses and fees. In addition, few people seem to compare the terms of financial products or shop around before making financial decisions. To help you stay on track with your finances, FINRA offers 10 tips ... GEARING UP FOR TAX TIME - Whether you're training for a marathon, landing the job of your dreams or closing a sale, you're not going to excel without being well prepared and fully informed. And the same holds true when managing and preparing your taxes. Waiting until April 15th to put your financial house in order can often mean missed opportunities to minimize your tax bill. To manage your taxes and minimize your tax bill, you need to know the rules of the game, which are constantly changing, and you want to take advantage of year-round tax-planning opportunities. The good news is that it's not too late to get started. This AICPA 360 Degrees of Financial Literacy Tax Savings Tips article can help you get the process started ... YOUR MIND AND YOUR MONEY - Want to understand the role psychological and emotional biases play in your decisions about money and investing in order to make better decisions? Behavioral finance teaches us few people always make logical investment decisions. The PBS show, Nightly Business Report, is running a year-long "Your Mind and Your Money" series aims to help investors understand those biases and make more rational decisions. The series is funded by the FINRA Investor Education Foundation. Reports and interviews will appear in the NBR program on select Mondays, and additional information -- including companion articles from Kiplinger's Personal Finance -- will appear regularly on the related Web site. Behavioral finance is a relatively new field of study, so make sure you consult a financial advisor for practical advice about investing ... RISK VERSUS REWARD - As most investors know, risk is an inherent part of investing; it is what makes the reward of positive returns possible. Too often, investors focused on big returns are persuaded to enter into what turn out to be fraudulent schemes promising the moon and the stars for little or no risk. The nonprofit, 21-member Alliance for Investor Education (AIE) is making a new resource available today to provide investors with 12 of the best Web-based tools to learn about investment fraud and how to avoid it. The Alliance's new "The Risk-Reward Relationship: What Investors Need to Understand to Avoid Fraud" is available now ... VIDEO SERIES: NEW FINANCIAL REALITIES - The recent economic downturn has shown us that we may need to re-examine some basic assumptions about the ways we manage our finances. What made sense pre-recession no longer works today. To help explain these new realities, CFP Board is rolling out a series of informational videos by Consumer Advocate Eleanor Blayney, CFPR, entitled, "The New Financial Realities." In the series, Blayney offers nine personal finance strategies to help consumers plan for what's ahead. The video series includes episodes looking at saving and investing wisely, planning for retirement, what to look for when choosing a financial planner, and teaching your children about personal finance ... Copyright © 2012, Residual Income Home Business Opportunity. All Rights Reserved. |
