July Viewpoints

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  Economic and Investment News Bits The average credit score has reached an all-time high of 700. There are now more U.S. consumers rated “super-prime” (800+ credit score) than there are rated “subprime” (<600 credit score). You can obtain your free credit report and score at:  freecreditscore.com.  (Source:  FICO) 44% of adults could not pay… Read more »

July Market Commentary

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  At the halfway point in the year, with the exception of commodities, most asset classes have performed quite well.  International stocks have led the way with emerging markets (China, India, Brazil, etc.) increasing by almost 19% and developed markets (Europe, Canada, Japan, etc.) by almost 14%.  Domestic stocks are not far behind with 5%-9%… Read more »

Planning a Rewarding Retirement, Part 5: Wealthy Living

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The fifth in a series of articles For me there has always been a disconnect between the concept of wealthy living and the size of a person’s bank account, retirement account, or other traditional measure of wealth.  Enjoying a wealthy life should not be determined by how much money one makes or has amassed.  Wealthy… Read more »

June Viewpoints

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  Economic and Investment News Bits The S&P 500 has had 24 record high closes YTD 2017 through Wednesday, June 14, 2017. Less than halfway through the year, it has already surpassed the total number of record closes from 2016. (Source: S&P Dow Jones Indices) One in five Americans never have a serious discussion about… Read more »

June Market Commentary

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  PDS Planning has always been a strong advocate of global diversification.  Some investors and economists began to question this philosophy when U.S. stocks outperformed virtually everything from 2013-2016.  Some even argued that you get global diversification with U.S. stocks, since their revenues are generated all over the world.  Coca-Cola, for example, is a large… Read more »