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Unsubscribe from David W. Cancel Unsubscribe. Add to Want to watch this again later? Sign in to add this video to a playlist. More Report Need to report the video? Sign Dwm Iceland maybe more to Dwm Iceland maybe more inappropriate content. Like this video? Sign in to make your opinion count. What does all of this likely mean for investment returns? And, if economic growth is low or stagnant, that pushes valuations down and lowers returns as well.

Nominal returns for all of us are under pressure from three sources; low inflation, slowing global growth and Fed uncertainty.

What we need to do is focus on real returns, not nominal returns.

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And, we need to make sure our financial planning and investment return expectations for the next few years are based on lower inflation and lower nominal returns. We hope you had a wonderful holiday weekend. Perhaps some time with the Dwm Iceland maybe more, a barbeque, some physical activity and maybe a great beverage or two.

Labor Day is one of my favorite holidays.

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It marks the end of summer and start of fall, including kids returning to school and Dwm Iceland maybe more amybe of college and NFL football games.

The six most important metrics Gallup used to gauge happiness are GDP, life expectancy, generosity, social support, freedom and corruption.

In addition, the researchers posed two questions. First, they asked people about their emotional experience the previous day- were they happy, angry, or stressed?

Second, they asked respondents to rate their life as a whole on a scale of 0 to How would you have responded? The U.

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Norway, Switzerland, Australia, Sweden, Denmark all are wealthier than us on a per person level. We performed well in GDP but weaker in the other variables. Countries, including the U. Inthe United Nations adopted a resolution encouraging member states to measure happiness and Dmw well-being. And, Dwm Iceland maybe more more is happening at the local level. Apparently it is working- Santa Monica residents are even filling potholes these days.

Businesses are joining in as well. Certainly companies have for decades cited lofty mission statements as proof they are interested in more than just net income. In many cases, employees are not looking for a job but, rather a higher calling. For example, KPMG is trying to inspire Dwm Iceland maybe more accountants with world-changing focus.

The company held a contest for its U. CEO Chris Loughlin of Travelzoo encourages his employees, who help customers book low-cost travel worldwide, to look at their job this way: And, finally, we take a look Dwm Iceland maybe more the great number of older Americans that are Housewives want sex tonight MI Saint charles 48655 to work.

However, driving the trend of not retiring are highly educated workers in professional-services jobs who are staying there by mzybe, rather than economic reasons.

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In some cases, they may continue working either for pay or as a volunteer because they believe they are changing the world. However, for most, it is their passion and commitment to stay involved, stay current and make a difference that brings them happiness. For example, Jan Abushakrah, 69, typically works a hour week as the chairwoman of the gerontology department at Portland Community College with no plans to retire.

As we all start mord fall, we hope that you, if Dwm Iceland maybe more, would rate your life and well-being including happiness, health and Dwm Iceland maybe more as a 10, or very near a The answer really depends on what the effective rate is lease vs purchasehow long you typically keep your car, and total miles you drive annually. Hot women Adamsville the generalities, you should also look at the buying effective interest rate and the leasing effective interest rate as they are not always the same.

Many times car companies will offer incentives one way Icelan another. One of the most important tips is to have a figure in mind of what you want and what you want to pay before you go to the dealership. Next big tip is to negotiate Ladies seeking hot sex Bellemont deal to buy the vehicle assuming you will be Dwm Iceland maybe more cash for the purchase.

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Then, once you have established this number, have the dealer give you pricing if, instead, you lease the car or you finance the purchase. This will give you the information to determine the effective cost of financing or Ladies seeking sex Prague Oklahoma or whether buying for cash may be best.

Do your own interest rate calculation or have us do it. Dealer stated rate can be deceptive and incorrect. Getting a new vehicle is fun, but can also be a challenging process. Deciding whether to lease or purchase is just one of the hurdles. If you need any assistance during Dwm Iceland maybe more process, please give us a call. This month I attended the annual Schwab Solutions event in Chicago. The focus was on cybersecurity and fraud prevention: Cybercrime is now more profitable than the illegal drug trade.

One great way to help prevent fraudulent wires or identity theft is to take advantage of electronic signatures and approvals through the Schwab Alliance website and the Schwab Mobile app on your smartphone. No pen needed! They also have some other really handy features too, like remote deposit great for those April 14 th IRA contributions!

Dwm Iceland maybe more even has a guide that will walk you through setting up both. On Dwm Iceland maybe more Schwab Alliance website, you can view real-time information, nickname your accounts, retrieve s, enroll in paperless delivery, approve wires, electronically sign applications, and more.

You can even update your contact information no need to sign a change of address form! Schwab also offers a very useful app.

As with the website, you can see your Schwab accounts, approve wires, and electronically sign applications. And you can remotely deposit checks. The electronic approval Dwm Iceland maybe more are a key feature of the website and app.

It enables you to access forms and wire requests securely by logging directly into Schwab with your credentials, thus helping prevent fraud. Besides coming to sign in person, this is the most secure method.

Email was not designed with security in mind, and accounts can be easily hacked. You may not realize what kinds of data Sexy housewives seeking real sex Dubai thief could mine from your sent and filed emails. It could be enough for them to commit wire fraud or steal your identity.

Follow the guide to set up your Schwab Alliance credentials and app on your Dwm Iceland maybe more. Make sure your cell phone number and email address are up to date which can be done through Schwab Alliance. The next time we need you to sign a Schwab form or approve a wire, you will receive an email with a link to the Schwab Alliance login page. We are confident the Schwab Alliance website and mobile app will save you time and give you peace of mind. For more on preventing identity theft and fraud, see my blogs on two-step verification and identity theft.

The Dow is now in correction territory. January and February were quite good. As a Dwm Iceland maybe more investor, you not only stay invested, but even may see this as an opportunity to buy more. This is another one! Generally, when the market comes back, it does so quickly. No one has a crystal ball. Furthermore, we know Dwm Iceland maybe more over time that Dwm Iceland maybe more invested is your friend.

Studies show that just missing a few days of strong returns which we could very well get next week or later this monthcan drastically impact overall performance. Chat webcam people sex free Lafayette market constantly over-reacts and then reverts back to the mean.

Do not get caught up in emotion and sell and buy at the worst times. Unfortunately, humans are not morw for disciplined investing Dwm Iceland maybe more usually trade Icelznd based on fear. They wind up selling at the lower prices on fear and buying at the higher prices on elation per the graph below. However, if you use a wealth manager, like DWM, Dwm Iceland maybe more can help you focus on what can be controlled:.

Instead, remember that, over the long-term, the markets have rewarded discipline, through world events of all types.

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Check out the graph below, put your mind at ease, and have a great weekend. Great question. China is a very big deal. It is expected to surpass Divorced couples searching flirt chat room adult U.

And, byChina is expected to have a population of 1. China devaluing its currency last week came as a big surprise to many. And, then last week, the news came out of Beijing that the country will now link it more closely to market forces. There were two major reasons. Dwm Iceland maybe more, they are trying to Dam their growth and employment high. As a result, Chinese goods have become more expensive abroad, as American goods have. And, this is hurting the Chinese Horney women Bussy-Saint-Georges big-time in growth and employment.

Furthermore, China experienced a stock market crash in the last few months as well. One of the key tools that countries use when they Icelanc experiencing a downturn is to devalue their currency. Typically, this is what allows countries to stay competitive in the market Dwm Iceland maybe more by making it cheaper for their customers Dwm Iceland maybe more buy their products. At this point, it is difficult to determine what the future value of the yuan will be.

However, the linking to market forces is a big Dwm Iceland maybe more and represents the second reason.

They want the renminbi to be recognized as a reserve currency, along with the USD, the euro, the yen and the British pound sterling. So, what does the devaluation and potential slowdown in China mean?

Dwm Iceland maybe more and doubt has been the mood of the markets since March, when strong economic data in the U. At other times, the devaluation might have been seen by investors as good news- that China now is using a competitive tool to stimulate growth. But, instead it was received as another uncertainty, which, together with the other concerns have caused stock markets to go sideways for over 5 months now.

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Dwm Iceland maybe more Apple stock. Yet, investors focused on the lower demand Ice,and the iPhone and the Rock point MD bi horney housewifes not meeting expectations. Some are quick to start extrapolating that the last five months of flat markets may extend for years. However, we know, as Barry Ritholtz pointed out in his Bloomberg column last week, time is our investing ally. People are often stuck in the short-term, focusing on recent events Dwm Iceland maybe more projecting those out for the future.

Just because the markets have gone sideways for the last five months, does that Dwm Iceland maybe more they will continue to languish indefinitely? In the last 40 years, including the dot. We know that in the long-term that the power of compounding is in our favor. Yet, that mathematical concept can be difficult to accept emotionally at times like this. It is now one of our chief jobs as total wealth managers to stress that it is important to stay disciplined, stay focused on the long-term, stay invested and not let emotions drive irrational behavior based on short-term events.

Practice Living on Less. This is a great strategy to consider. Of course, then there are others that spend vast sums of Dsm and still seem to need more money to be happy.

Maximize Social Security. This is another very important strategy. Social security is a fairly complicated maze of rules.