The asset allocation recommendations of the vast majority of investment advice providers include some meaningful exposure to international stocks. Yet, given the fact that U.S. stocks have outperformed international stocks for eight out of the last 10 years and the correlations between these markets have narrowed it’s not unreasonable to question the value of investing overseas.
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Having a good credit history is important because it can make credit approval easier, potentially lower interest rates on any loans taken out, lead to higher credit limits and better loan terms, and avoid the security deposits that may be required of individuals with a less positive or shorter credit history.
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Though the Fed has left open the possibility of two more rate hikes before the end of the year, investors “looking over the horizon” can see the potential for declining interest rates beginning sometime in 2024. Investors may want to get a head-start on considering some of the beneficiaries of falling interest rates since, because the markets are anticipatory by nature, much of the opportunity may be gone by the time interest rates begin their actual decline.
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Investors have heard for years that “time in the market” is much more critical to investment success than “timing the market.” The principal reason that “time in the market” is more important than “timing the market” is that few investors (even the best) can predict the turning points in the stock market with any precision or on a sustained basis.
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Social Security Disability Insurance and Supplemental Security Income programs are the largest of several federal programs that provide assistance to people with disabilities; though 26% of adults in the U.S. have some form of disability, very little is known about these programs.
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