How quickly we have arrived! Cash was earning almost zero if you had a savings, money market, CDs, etc. Now it appears to be the hero. Day-to-day interest rates are fluctuating. Sometimes the moves are drastic, but here are some recent yields. Savings accounts earning over 4%, 3-month treasuries hover around 5% yield, and CDs…
Read more
The August 2008 Money Magazine offered up an article of several successful individuals talking about the smartest financial advice they have ever received. Billionaire and CEO of Virgin records, Richard Branson shared a story about his lack of knowledge in the financial realm and being humble about what you don’t know. Have you ever noticed…
Read more
These words of wisdom are just that—words of wisdom. Did you know they can also be words of catastrophe! If we’re talking about money, diversification is very good thing. It doesn’t solve everything, but it certainly hedges a lot of risk. So…these words of wisdom more than often apply. As your wealth and success grow…the…
Read more
The markets are a little bit choppy if you haven’t noticed. The economy is carrying a bit of a shadowy forecast these days and money seems to be getting tighter and tighter. If you turn on the news, there is not much besides doom and gloom. Then there is you—the hard-working American that just wants…
Read more
We may not exactly be post-COVID yet, but our world is certainly settling into a new rhythm that looks a lot more normal than the past couple of years. With that being said, many Americans have made huge changes in this short time. Many companies went virtual in 2020, giving their employees the opportunity to…
Read more
Summer’s here, and the time is right for vacations, outdoor activities, and fun. It’s also a good time to consider a few financial matters. Here are some questions to ask yourself mid-year. Goals still the same for 2022? Has market volatility affected your goals? Note any changes since the first of the year that may…
Read more
Did you know that economists predicted six of the last two recessions? Actually, an economist will know tomorrow why the things he or she predicted yesterday didn’t happen. Both of these happen to be wisecracks in our industry, but there is much truth behind the chuckles. There is a lot of fear brewing today. We…
Read more
What on earth is happening? Thousands – at least – of Americans are asking this question as they leave the grocery store each week with less after paying more. Not too long ago there was plenty of cash flow and prices were within reason. Now? Not so much. Which is how inflation usually creeps onto…
Read more
It’s no surprise to state that the markets have been rather treacherous as of recent. Between Ukraine, growing tensions with Russia, severe inflation, supply chain issues, and the Fed’s recent rate hike; it really has not stood a fighting chance. Oh…and wait…I almost forgot. This is an election year. Volatility is here and it might…
Read more
Do you look at your money for what it is or do you look at it for what it is for? A few weeks ago, Dad came on our weekly radio program “Life Planning 101.” He shared several stories that have given us insight we use to help the families we work with today. One…
Read more
Securities offered through Calton & Associates, Inc. member FINRA and SIPC, a Registered Investment Adviser. Investment advisory services offered through Smart Money Group, LLC, a Registered Investment Adviser. Smart Money Group, LLC and Kennedy Financial Services, Inc. are not owned or controlled by Calton & Associates, Inc.