Do you have a small-business retirement plan?- Sept.16

Financial Focus by Edward Jone If you’re a small-business owner, you’ve always got a lot to do: marketing your products or services, hiring employees, paying your bills, coping with competition – the list goes one and on. But there’s one task you may be overlooking: establishing your own retirement plan. And that’s not something you […]

Consider long-lasting financial gifts to grandchildren

On Sept. 13, we observe National Grandparents Day. If you’re a grandparent, you might get a card or a little present from the grandkids. However, you will probably get greater pleasure from the gifts you give them. And if you’d like to make a financial gift, you’ve got some attractive options. How you choose to […]

Investors can learn much from the American workforce

We’re getting close to Labor Day, a celebration of the men and women who roll up their sleeves and go to work each day. If you’re in the workforce yourself, you can appreciate this recognition of your efforts. And as an investor, you can employ these attributes of the American worker: • Organization: The most […]

There are no secrets to investment success

Many people look for the “secrets” to investment success. Is it timing the market just right? Is it finding those hot stocks or getting in on the “ground floor” of the next big thing? Actually, these types of moves have little relevance to the vast majority of investors — even the most successful ones. So let’s take a look at some steps you can take that can be effective in helping you work toward your financial goals.

A college degree is still a smart investment

Summer is almost over, which means it’s “back-to-school” time. If you have young children, you may be purchasing backpacks, pencils, notebooks and similar items.
But one day, you could be shopping for colleges — and when you do, you’ll find the bill is a little bit higher than the one you get from your local school-supply store. That’s why it’s never too soon to start saving.
Just how costly is college? For the 2014–2015 school year, the average expense — tuition, fees, room and board — was $18,943 at a public four-year school and $42,419 at a four-year private school, according to the College Board. And if recent history is any guide, these numbers will likely keep climbing.

Season of ups and downs leaves salmon short of forecasted 221 million

Alaska’s salmon season so far has been characterized by ups and downs, and it will be a stretch for the total catch to make the forecasted 221 million fish.
“It just depends on how these late-returning pink salmon at Prince William Sound perform, and whether or not pinks pick up at Southeast. It’s possible, but we would still have to harvest around 30 million more salmon,” mused Forrest Bowers, Deputy Director of the state’s Commercial Fisheries Division.
One of the biggest fish stories of the season, of course, was the surprising double runs of sockeye salmon (reds) to Bristol Bay. As soon as a slow-going first run petered out and the fishery was declared a bust, a surge of late reds caught everyone by surprise and pushed the catch to nearly 36 million fish.

Inflation and your retirement income strategy

You might not think much about inflation. After all, it’s been quite low for the past several years. Still, you may want to take it into account when you’re planning your retirement income strategy.
Of course, no one can really predict the future course of inflation. But it’s a pretty safe bet it won’t disappear altogether — and even a mild inflation rate, over time, can strongly erode your purchasing power. Consider this: If you were to purchase an item today for $100, that same item, in 25 years, would cost you $209 — assuming an annual inflation rate of 3 percent. That’s a pretty big difference.
During your working years, you can hope that your income will at least rise enough to match inflation. But what about when you retire? How can you minimize the impact of inflation on your retirement income?

Take action to leave the legacy you desire

August is “What Will Be Your Legacy” Month. If you knew this, you have an unusual knowledge of obscure celebrations. But even if you weren’t aware of this “month,” you can see that the idea behind it — the importance of leaving a legacy — is an important one. What should you do to help ensure you’ll leave the type of legacy you desire?

What should you know about establishing a trust?

You don’t have to be a CEO or multimillionaire to benefit from a trust. In fact, many people gain advantages from establishing one – so it may be useful to learn something about this common estate-planning tool.
Why would you want a trust? For one thing, if you have highly specific wishes on how and when you want your estate to be distributed among your heirs, then a trust could be appropriate. Also, you might be interested in setting up a trust if you’d like to avoid the sometimes time-consuming, usually expensive and always public process of probate. Some types of trusts may also help protect your estate from lawsuits and creditors. Currently, only a small percentage of Americans will be subject to estate taxes, but estate tax laws are often in flux, so things may be different in the future – and a properly designed trust could help minimize these taxes.

Term vs. permanent insurance: Which is right for you?

by Edward Jones Matthew North Financial Advisor What’s your most valuable asset? While you are still working, this asset may actually be your future income — so you need to protect it. And you can do so by maintaining adequate life insurance, which can help provide your family with the financial resources necessary to meet […]

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