Author name: Cliff Smith

Insights

How Corporate Buybacks Are Driving Stock Prices

by P.J. DiNuzzo                                                                                                January 15, 2015 How Corporate Buybacks Are Driving Stock Prices The U.S. stock market has delivered positive returns to investors for six consecutive years, and in five of those years, the returns were in the double-digits.  Aggregate revenues and profits have soared to record levels and grown much faster than the slow growth […]

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How to Make Good on Your Best Intentions

by P.J. DiNuzzo                                                                                                January 17, 2015 How to Make Good on Your Best Intentions Among many other things, your U.S. government keeps track of the most popular New Year’s resolutions (you can find them here: http://www.usa.gov/Citizen/Topics/New-Years-Resolutions.shtml ), and the list is about what you’d expect.  At the top of the list is “lose weight,” followed by, […]

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Protecting Yourself From Identity Theft

by P.J. DiNuzzo                                                                                                January 20, 2015 Protecting Yourself From Identity Theft We’re hearing a lot more about identity theft these days—from hackers stealing credit card numbers from big banks and retail stores to individuals opening up credit card or bank accounts in your name, which they can use to write bad checks or make expensive […]

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Financial Habits & Net Worth

by P.J. DiNuzzo                                                                                                January 27, 2015 Financial Habits and Net Worth You already know that our financial habits determine our financial fate.  If we avoid credit card debt, spend less than we earn and create a financial buffer against the unexpected, we tend to thrive financially.  If we carry a lot of debt or live […]

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What is a “currency war” and how does one wage it?

by P.J. DiNuzzo                                                                        February 10, 2015 What is a “currency war” and how does one wage it? Forget world wars, fought with tanks, bomb and missiles.  The new form of global conflict is the currency war, which is fought with increasingly vicious keystrokes.  We read in the papers that this or that country is engaged in […]

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The Other Dimension of Risk

by P.J. DiNuzzo                                                                                                February 12, 2015 The Other Dimension of Risk When it comes to investing in the stock market, the risk that everybody talks about is the ups and particularly the downs, the bearish periods when the market falls dramatically and keeps falling for months or even years.  (Think: 2000-2002 or 2008)  Recently, professional […]

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Will Social Security Be There When I Retire?

by P.J. DiNuzzo                                                                                                February 17, 2015 Will Social Security be there when I retire? Social Security’s future solvency has become one of the most commonly-discussed issues in retirement planning—and for good reason.  Gallup polls show that an estimated 57% of retirees rely on Social Security as a major source of retirement income—a number that has […]

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Is Good News Really Bad News?

by P.J. DiNuzzo                                                                                                March 10, 2015 Is Good News Really Bad News? You may have read last week that the U.S. stock market took a tumble based on what would seem like really good news: that the U.S. unemployment rate is falling faster than anybody expected.  If you’re scratching your head, you’re not alone. First, […]

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Return On College

by P.J. DiNuzzo                                                                                                March 12, 2015 Return on College Let’s say you’re giving your niece or grandson some advice on which major to select in college.  Do you tell them to get an art degree, or take courses in social sciences?  Or should they focus on business and finance? The decision should not ignore their […]