Independent Investor/@theMarket http://www.iberkshires.com/blogs/Bill_Schmick? Independent Investor/@theMarket Sat, 20 Jul 2019 14:52:58 EDT en-us The Independent Investor: Paid Family & Medical Leave Overdue http://www.iberkshires.com/blogs/Bill_Schmick?bid=3913 http://www.iberkshires.com/blogs/Bill_Schmick?bid=3913 Thu, 18 Jul 2019 16:28:00 EDT Paid family and medical leave are long-overdue in this country   What do the United States, Papua New Guinea and Oman have in common? Those are the only three countries in the world that do not legally obligate employers or taxpayers to pay for maternity leave.   Many... @theMarket: Looking Ahead http://www.iberkshires.com/blogs/Bill_Schmick?bid=3904 http://www.iberkshires.com/blogs/Bill_Schmick?bid=3904 Fri, 05 Jul 2019 15:58:00 EDT Will the second half of the year be as good as the first half for the markets?   The S&P 500 Index finished up 18 percent for the six months ending June 30. That was the best first half since 1997. Historically, that kind of return is three times the gains investors can normally... The Independent Investor: Home Equity Can Pay for Long-Term Care http://www.iberkshires.com/blogs/Bill_Schmick?bid=3905 http://www.iberkshires.com/blogs/Bill_Schmick?bid=3905 Wed, 03 Jul 2019 16:54:00 EDT A home equity conversion mortgage (HECM) might simply be a fancy term for a reverse mortgage, but there are an increasing number of advisers and planners who are using them for an entirely different strategic planning purpose.   If you ask most couples in their 60s and beyond what... @theMarket: G-20 Weighs on Stocks http://www.iberkshires.com/blogs/Bill_Schmick?bid=3900 http://www.iberkshires.com/blogs/Bill_Schmick?bid=3900 Fri, 28 Jun 2019 17:06:00 EDT It wouldn't be a normal weekend in the financial markets without something to worry about. This weekend, it is the meeting of the two presidents, Trump and Xi, in Japan with $350 billion in new tariffs hanging on the outcome. What are the odds that they clinch a deal?   Not... The Independent Investor: Reverse Mortgages http://www.iberkshires.com/blogs/Bill_Schmick?bid=3898 http://www.iberkshires.com/blogs/Bill_Schmick?bid=3898 Thu, 27 Jun 2019 16:17:00 EDT Some Baby Boomers have found themselves financially between a rock and a hard place. Rising costs, insufficient retirement savings and, in some cases, health issues, have forced seniors to consider taking out a reverse mortgage on the only asset they own. Is it a good idea?   For... @theMarket: Stocks Should Move Higher From Here http://www.iberkshires.com/blogs/Bill_Schmick?bid=3897 http://www.iberkshires.com/blogs/Bill_Schmick?bid=3897 Fri, 21 Jun 2019 16:09:00 EDT It was a good week for investors. The S&P 500 Index hit an all-time high. The Fed indicated that they might cut interest rates sometime soon, and the President is once again optimistic about a China trade agreement. That’s a heady cocktail that could see markets gain another 3-5... The Independent Investor: Why FHA Loans Are so Popular http://www.iberkshires.com/blogs/Bill_Schmick?bid=3895 http://www.iberkshires.com/blogs/Bill_Schmick?bid=3895 Thu, 20 Jun 2019 17:03:00 EDT Federal Housing Authority Loans have long been one of the most popular types of mortgage loans available. Roughly 20 percent of all mortgage applicants will choose an FHA loan because it makes total economic sense to do so. And the older you are, the more important having an FHA approved... @theMarket: Markets Expect Fed to Cut Rates http://www.iberkshires.com/blogs/Bill_Schmick?bid=3890 http://www.iberkshires.com/blogs/Bill_Schmick?bid=3890 Fri, 14 Jun 2019 16:08:00 EDT Investors can credit the Fed once again for the market's revival thus far in June. The buying is fueled by expectations of three rate cuts by no later than December. Is that wishful thinking?   While only 23 percent of investors expect a rate cut next week when the Fed meets, 83... The Independent Investor: The Suburban Dilemma http://www.iberkshires.com/blogs/Bill_Schmick?bid=3889 http://www.iberkshires.com/blogs/Bill_Schmick?bid=3889 Thu, 13 Jun 2019 16:25:00 EDT Over the last decade, the percentage of Baby Boomers, those aged 65 to 74, living in the suburbs increased by almost 50 percent. Over the next 20 years, that age group will double in size, and by 2040, 1 in every 5 Americans will be age 85 or older. The majority of them will continue to live in... @theMarket: When Bad News Is Good News http://www.iberkshires.com/blogs/Bill_Schmick?bid=3886 http://www.iberkshires.com/blogs/Bill_Schmick?bid=3886 Fri, 07 Jun 2019 16:47:00 EDT You would think that a non-farm payroll report that was way below expectations would give investors pause. After all, when the pace of employment slows, it usually means that the economy is slowing as well. So why did the stock market spike higher?   It comes down to what the Fed...