S&P 500 Total Return 2014: 13.7% Overview The United States emerged from 2014 as the best house on a troubled block. Civil war in Ukraine, a slowing Chinese economy, a stagnant Europe worried about potential deflation, a new recession in Japan, the threat of a new Russian economic meltdown triggered by plummeting oil prices–it all…

In this era of hyperconnectivity and a 24/7 news cycle, the U.S. stock market tends to react quickly to geopolitical events. But do these events have a lasting impact on U.S. markets or are they mostly global noise?   Follow this link to watch a video on the impact of geopolitical events on US stock…

video platformvideo managementvideo solutionsvideo player

As broad market indices such as the S&P 500 have set new record highs in recent weeks, many investors have become apprehensive. They fear another major decline is likely to occur and are eager to find strategies that promise to avoid the pain of an extended downturn while preserving the opportunity to profit in up…

Why would people choose to claim Social Security retirement benefits at the earliest possible age of 62, rather than waiting until their full retirement age (66 to 67 for anyone born in 1943 or later), when doing so would reduce their monthly benefit by as much as 30%? There are many reasons, according to a…

The IRS has put the kibosh on any potential attempts by large employers to skirt the requirements of the Affordable Care Act (ACA) by paying employees before-tax subsidies to buy individual health insurance through private (commercial) carriers or through a Health insurance Exchange Marketplace. According to a recently published IRS  Q&A, such employer payment plans…

 What if someone told you about an investment that has made some people millionaires overnight and has both a number of high-profile supporters and a global reach? Would you  be tempted to invest? Now what if someone told you that the same investment also could lose most or all of its value almost overnight, and…

According to a survey released last month by America Saves and the American Savings Education Council (ASEC), just 35% of Americans feel they are making good or excellent progress in saving money. Nearly two-thirds (63%) say they’re making fair or no progress. Read more:  America Saves Update  

The Internal Revenue Service is offering educational Health Care Tax Tips to help individuals understand how the Affordable Care Act may affect their taxes. The IRS has designed the Health Care Tax Tips to help people understand what they need to know for the federal individual income tax returns they are filing this year, as…

Tax scams that use email and phone calls that appear to come from the IRS are common these days. These scams often use the IRS name and logo or fake websites that look real. Scammers often send an email or call to lure victims to give up their personal and financial information. The crooks then…

© 2015 Lumina Financial Consultants | Your Financial Future ... Illuminated.

luminafilogo

STAY CONNECTED WITH US: