11/15/2024

High Foreign Investment in the U.S. — Will It Last?

According to data from the International Monetary Fund, the United States received almost one-third of all global foreign investment from 2021 to 2023. This compares with an average of just 18% before the pandemic. The dramatic increase is even more remarkable considering widespread concern about the dominance of the U.S. dollar as a global currency.1

View More >>

11/15/2024

Higher Rates Pressure Borrowers and Some Banks: Is Your Money Safe?

In March 2023, two of the largest bank failures in history alarmed savers who worried their own bank accounts could be at risk and investors who feared a wider financial crisis. To help restore confidence in the U.S. financial system, the federal government pledged to make all depositors whole and to support other banks that might face liquidity issues stemming from the rapid rise in interest rates.1

View More >>

11/15/2024

Do You Know Your Medicare Coverage Options?

There are two ways to obtain Medicare coverage: (1) Original Medicare (Part A hospital insurance and Part B medical insurance), often combined with a Medigap supplementary policy and a Part D prescription drug plan; and (2) Medicare Advantage (Part C), which replaces Original Medicare and often includes prescription drug coverage as well as features similar to those provided by a Medigap policy.

View More >>

11/15/2024

FAFSA for 2025–2026 School Year Opens December 1

For the second year in a row, the Free Application for Federal Student Aid, commonly known as the FAFSA, will be delayed. The FAFSA for the 2025–2026 school year will open on December 1 instead of the typical October 1 date. Last year, despite a redesigned FAFSA that was supposed to be easier to complete, families faced a perfect storm — a delayed rollout, technical glitches, and processing delays, which led to confusion and late financial aid packages from colleges. By one estimate, as of March 2024, FAFSA completions for the class of 2024 were down 40% from the prior year, with only about 27% of the class of 2024 successfully completing a FAFSA, compared to 45% for the class of 2023¹.

View More >>

StoneCrest Bulletin - Archives

ARE YOU SPENDING MONEY TO KEEP STUFF YOU DON’T NEED?

June 12, 2024
It’s estimated that almost one in five Americans leases a storage unit. In March 2024, the nationwide price for a climate-controlled storage unit averaged nearly $150 per month. Storage renters may pay more than that for large spaces and at facilities in high-cost cities such as Los Angeles and New York1

View More >>


INVESTOR, KNOW THYSELF: HOW YOUR BIASES CAN AFFECT INVESTMENT DECISIONS

June 12, 2024
Traditional economic models are based on the premise that people make rational decisions to maximize economic and financial benefits. In reality, most humans don’t make decisions like robots. While logic does guide us, feelings and emotions — such as fear, excitement, and a desire to be part of the “in” crowd — are also at work. 
View More >>


THE UNITED STATES IS OLDER THAN EVER BEFORE

June 12, 2024
The median age of the U.S. population rose to a record high of 38.9 in 2022, primarily because birth rates have declined in recent decades. More women have been going to college and focusing on building careers in their 20s, causing many to marry older and have fewer children. The median age of the U.S. population rose to a record high of 38.9 in 2022, primarily because birth rates have declined in recent decades. More women have been going to college and focusing on building careers in their 20.
View More >>


FEELING THE IMPACT OF HIGHER RATES

June 12, 2024
U.S. commercial real estate prices fell more than 11% between March 2022, when the Federal Reserve started hiking interest rates, and January 2024. The potential for steeper losses has chilled the market and still poses significant risks to some property owners and lenders.1

View More >>


HOW SAVERS AND SPENDERS CAN MEET IN THE MIDDLE

March 08, 2024
Couples who have opposite philosophies regarding saving and spending often have trouble finding common ground, and money arguments frequently erupt. But you can learn to work with — and even appreciate — your financial differences. 

View More >>


CAN YOUR PERSONALITY INFLUENCE YOUR PORTFOLIO? NEW RESEARCH POINTS TO YES

March 08, 2024
Academic researchers have been exploring how investors’ personalities might affect their financial decisions and wealth outcomes. In one study, three finance professors (Dr. Zhengyang Jiang from Northwestern University’s Kellogg School of Management, Cameron Peng from the London School of Economics, and Hongjun Yan from DePaul University’s Driehaus College of Business) surveyed more than 3,000 members of the American Association of Individual Investors — a relatively sophisticated group of market
View More >>


KEY RETIREMENT AND TAX NUMBERS FOR 2024

March 08, 2024
Every year, the Internal Revenue Service announces cost-of-living adjustments that affect contribution limits for retirement plans and various tax deduction, exclusion, exemption, and threshold amounts. Here are a few of the key adjustments for 2024.  

View More >>


Can Productivity Keep Driving the U.S. Economy?

March 08, 2024
Productivity of U.S. workers increased by 2.7% in 2023 — well above the average annual rate of 2.1% since the end of World War II, and a dramatic change from 2022, when productivity dropped by 2.0%. It’s also a big improvement over the 0.9% growth rate in 2021.  

View More >>


Your year-end tax planning checklist

December 01, 2023
Proactive investors know that the months before year-end can be an ideal time to make strategic adjustments. While keeping in mind your long-term investment goals, meet with your advisor and coordinate with your tax professional to examine nuances and changes that could impact your typical year-end planning.  
View More >>


Social Security 101

November 09, 2023
Social Security is complicated, and the details are often misunderstood even by those who are already receiving benefits. If you’re looking forward to receiving your Social Security benefits, whether in one year or 30 years, you may be curious about some of the basic rules and options and how they might affect your financial future.  
View More >>


IRS announces retirement contribution limits will increase in 2024

November 09, 2023
The IRS says that the amount you can sock away for retirement is going up. In 2024, individuals can contribute up to $23,000 to their employer-sponsored retirement plans in 2024 — up from $22,500 for 2023. And those playing catch-up get a boost, too: the catch-up contribution limit for employees aged 50 and over is an additional $7,500 for 2024.  

View More >>


You've Received an Inheritance, Now What?

November 09, 2023
If you’ve recently received an inheritance, you may be facing many important decisions. Receiving an inheritance might promote spending without planning, but don’t make any hasty decisions. Here are some suggestions that could help you manage your inheritance.  

View More >>


Carrying the Economy?

November 09, 2023
Consumer spending accounts for about two-thirds of U.S. gross domestic product (GDP), so it plays an outsized role in driving economic growth or slowing it down.1 For the last 18 months, U.S. consumers have kept the economy strong despite high inflation and rising interest rates. The question now is whether consumers can maintain this momentum through the holiday season and into 2024.  
View More >>


Tips for staying connected with remote coworkers

June 06, 2023
FAMILY & LIFESTYLE Virtual coffee breaks are replacing water cooler chatter. Here are some tips for networking remotely with coworkers. In the remote world so many of us are now working in, connecting with coworkers takes effort. It's easy to be efficient: Log in, get the job done and log off. (That's what we love about working virtually, right?) But research shows that people who take the time to nurture good connections in the workplace are happier, more loyal, less stressed and more loyal.  
View More >>


Retirement doesn't have to mean leaving your career behind

June 06, 2023
RETIREMENT & LONGEVITY More and more Americans are incorporating work into their retirement years. The traditional image of retirement as a time of purely leisurely pursuits is no longer the norm for many Americans. A growing number of people over the age of 65 are choosing to remain in the workforce for a variety of reasons. In fact, the U.S. Bureau of Labor Statistics expects the trend to continue, predicting that 13 million Americans aged 65 and older will be in the labor force by 2024. 
View More >>


Unpacking the psychology of loss aversion

June 05, 2023
MARKETS & INVESTING It's natural to avoid loss, but sitting on the sidelines out of fear might lead to missed financial goals. As the name implies, loss aversion is our instinct to not just prefer a gain over a loss but to prioritize avoiding losses over almost anything. It might sound wise to try avoiding losses but taking it too far could keep you from realizing your financial goals. Loss aversion is a cognitive bias that studies have proven over and over again. But that fear, when applied to 
View More >>


History of U.S. Bear & Bull Markets

May 08, 2023
This chart shows daily historical performance of the S&P 500 Index throughout the U.S. Bull and Bear Markets since 1942. We believe looking at the history of the market's expansion and recessions helps to gain a fresh perspective on the benefits of investing for the long-term. 

View More >>


10 Things you should know about Bear Markets

May 08, 2023
Even elite athletes need rest days to stay healthy. Sometimes financial markets need to reset from record-setting performance, too. Here’s what you need to know about bear, or down, markets. 



View More >>


Financial guidance for life

May 08, 2023
Knowing your goals is the first step to understanding how to pursue them. And knowing where you want to go helps you make thoughtful decisions when life presents other paths. This is the essence of a financial plan, a framework to align your resources with your objectives. 

View More >>


Influential interest rates and monetary policy

May 08, 2023
Understanding how changing interest rates and national monetary policy influence your personal finances can help you make decisions consistent with your financial goals. 



View More >>