Overabundance, convenience, and non-stop entertainment have come to dominate our society especially within the past decade. Technology has enabled many projects that were not previously possible. With this change has come a shift of the producers and consumers of the world. These two groups of people, once clearly delineated, have since become hopelessly intertwined. Two…
Americans consumed around 143 billion gallons of gas in 2016, according to the U.S. Energy Information Administration, adding to the constant emission of greenhouse gases into the atmosphere. However, you don’t have to drive an electric or hybrid vehicle to save money on gas (although this may be a good option). Instead, help to increase…
Student loans are the result of an investment you make in yourself — education. So now that you’re well-educated, you might want to look at how your student loans are affecting your total financial picture. From choosing a job to budgeting to saving for your future, your student loans play a central role in all…
By Pilar Gomez-Bravo, CFA, MFS Director of Fixed Income – Europe The potential diversification benefits of fixed income in a portfolio are well known by most investors. Adding bonds to an equity portfolio can help reduce portfolio volatility and protect capital over time. That’s why fixed income is sometimes referred to as the “ballast” of…
Sometimes it feels like saving any more money than you are doing currently is going to be impossible. Yet, you are probably not saving enough money every month in order to plan for a comfortable retirement. Let me share with you a couple of numbers first: The average saving rate in the US is around…
Every homeowner makes a house their own by updating the décor and making upgrades. Whether it’s for a functional reason or strictly aesthetic, everything you do to your home can potentially boost or reduce its value. Before you decide which project to tackle next, take a look at which upgrades are most likely to increase…