In Part 1 of this posting, I talked about how the government’s monetary policy is executed through the Fed to modify interest rates. To recap: the Fed cannot control interest rates; it can only influence them, and realistically speaking only short-term rates at that. In order to keep long-term rates low to stimulate the economy…
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As you may have read in the media, the Federal Reserve (Fed) raised its benchmark interest rate to 1.00% in March. This was the second increase in just three months and the most the Fed has raised the rate in over eight years. What’s the significance of such rate hikes, particularly to investors? Let’s start…
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Now that tax-time is just around the corner, the IRS offers several warning signs that you may be a victim of tax-related identity theft and what to do about them: Your attempt to file your tax return electronically is rejected. You get a message saying a return with a duplicate Social Security number has been…
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Chances are when you visit the doctor for a physical checkup, you go to a general practitioner. You probably wouldn’t go to an ear, nose, and throat specialist. Although the latter would have more expertise in those particular organs, it’s the broad view of your body that you’re looking to understand. Why isn’t it the…
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Suppose you have a hot water heater in your home that works only intermittently. You go to your local Home Depot only to find that they won’t have a replacement model available for six months. Would you wait until the replacement is available before removing the old unit, or would you immediately yank the defective…
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Ask any financial planner about rebalancing your investment portfolio and he or she will invariably tell you it’s a good thing. Indeed, there’s a popular cant that goes something like “if you don’t rebalance your portfolio periodically, the market will do it for you.” In 2015 I posted an article supporting rebalancing from a non-academic…
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