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Managing Your Money Blog

By The Numbers - November 2017

Submitted by S. F. Ehrlich Associates, Inc. on November 15th, 2017

Source: Direxion Funds

November 15, 2017

  • Over the last 25 years, the S&P 500 stock index has gained an average of 4.9% (total return) over the final 3 months of the year. 20 of the last 25 fourth quarters (80%) have produced a positive total return.
  • The S&P 500 has experienced 10 drops of at least 5% during its bull market run that just passed 104 months in length on 11/09/17, but none since 2/11/16.
  • This is the second longest bull market for the S&P 500 since 1950, trailing only the 113 ½ month long bull that ended in March 2000.
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Stan's World: Composing Your Later Years

Submitted by S. F. Ehrlich Associates, Inc. on October 3rd, 2017

September 30, 2017

If nothing else, aging provides perspective. The longer you live, the more you realize there’s only so much you can plan for in life. Conversely, you also learn that failing to plan can be life-altering, but often not in a good way. If you’re a senior (you can define how old that is), in or approaching retirement, it might be time to start pondering where to live the most golden of your senior years.

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  • Financial planning
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Tax-Smart Ideas for Giving to Charity

Submitted by S. F. Ehrlich Associates, Inc. on October 3rd, 2017

September 30, 2017

Are you planning on making charitable donations this upcoming holiday season?  Consider using something other than cash.

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  • Charity
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Where Best to Stretch a $100,000 Salary

Submitted by S. F. Ehrlich Associates, Inc. on October 3rd, 2017

September 30, 2017

We don’t always get to choose where we want to live, either during our working life or later. Jobs may take us to cities with a high cost of living, and family, friends, and health may keep us in or near those same communities when we retire.

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  • Financial planning
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By The Numbers - September 2017

Submitted by S. F. Ehrlich Associates, Inc. on October 2nd, 2017

Source: Direxion Funds

September 30, 2017

  • The highest closing value during the year for the S&P 500 has occurred in the final 4 months of the year (i.e. September – December) in 11 of the last 14 calendar years.
  • The average interest rate paid by the government on its interest-bearing debt was 2.279% as of 7/31/17. The average interest paid on interest-bearing debt was 5.041% as of 7/31/07 (10 years earlier) or 2.8 percentage points higher. Every 1 percentage point increase in the cost of debt on our nation’s $14.4 trillion of publicly held debt is equal to $144 billion of annual interest expense.
  • 42 million Americans owe $1.34 trillion in student loan debt. 60% of borrowers fully repay their student debt within 8 years of beginning repayment.
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Stan's World: The Emergence of Robo-Advisors

Submitted by S. F. Ehrlich Associates, Inc. on August 23rd, 2017

August 15, 2017

As you might imagine, John and I spend a lot of time reading both professional journals as well as more mainstream publications, such as the Wall Street Journal and Barron’s. Thus, we’re familiar with the current debate about robo-advisors and which investors might benefit from using them.  

 

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  • Financial planning
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Kids and Personal Finance - Starting Them Early

Submitted by S. F. Ehrlich Associates, Inc. on August 23rd, 2017

August 15, 2017

September is right around the corner, which means it's back-to-school time.  No doubt that any parent with a child under the age of 18 is scrambling around, helping their kids pick up the necessary materials they need for a successful year.  Just imagine the slate of courses primed for your child or grandchild: social studies, math, biology, art, personal finance...wait, what?  No personal finance class, you say?  

 

Tags:
  • Charity
  • Financial planning
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Fraudulent Emails - A Client's Story of a Schwab Look-Alike

Submitted by S. F. Ehrlich Associates, Inc. on August 23rd, 2017

August 15, 2017

 

A client forwarded an e-mail that had all the trademarks of a communication from Charles Schwab. Fortunately, our client was savvy enough to realize it was not sent by Schwab, but by someone seeking his log-in credentials. He forwarded it to me, and I sent it on to Schwab’s security team.

 

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By The Numbers - August 2017

Submitted by S. F. Ehrlich Associates, Inc. on August 23rd, 2017

Source: Direxion Funds

August 15, 2017

By The Numbers...

  • The findings of the Federal Reserve’s “stress test” completed on 34 large US banks were released on 6/22/17. The tests, created in 2009, showed the banks all passed for the third consecutive year. The banks were put through financial simulations to determine if they could survive a two-year economic slump that included a 10% national unemployment rate, 50% decline in stock values, 25% drop in home prices and 35% decline in commercial real estate prices.
  • The yield on the 10-year Treasury note closed at 1.36% on 7/8/16, its lowest closing yield ever. 10-year notes have traded in the US since 1790. The current rate on the 10-year Treasury note is approximately 2.20%.
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Stan's World: Aging vs. The Alternative

Submitted by S. F. Ehrlich Associates, Inc. on June 30th, 2017

June 30, 2017

Whenever someone tells me that aging is hard, I’ve taken to replying “The alternative is less attractive.” I guess I get away with saying that because, well, I’m apparently also aging. 

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S.F. Ehrlich Associates, Inc. is a Registered Investment Advisor registered with the U.S. Securities and Exchange Commission. S.F. Ehrlich Associates, Inc. does not offer or intend to offer asset management, financial planning, or investment advice through this website. The dissemination of general information pertaining to our investment advisory and financial planning practice is the purpose to which this website is limited. The foregoing information and opinions are for general information only.

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