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Charles Schwab
20 января, 00:11

Expenses Matter: Dive into 7 Low Cost ETFs

Low expense ratios are highly favored by investors. Bet on these seven ETFs.

19 января, 00:03

Schwab (SCHW) Posts In-line Q4 Earnings, Revenues Lag

Schwab's (SCHW) fourth-quarter 2016 adjusted earnings of 36 cents per share were in line the Zacks Consensus Estimate.

18 января, 18:12

Schwab (SCHW) Meets Q4 Earnings Estimates, Revenues Lag

A rise in revenues was offset by higher costs at Schwab (SCHW).

Выбор редакции
17 января, 20:22

Ask Carrie: Are You Ready for a Financially Healthy 2017?

Dear Readers, At the beginning of each New Year, I'm filled with a sense of new direction. At the same time, I like to look back at the previous year, evaluate what worked, and make a fresh commitment to keep going on whatever path proved most successful. One of the things that was a real boost to me in 2016 was a 30-day food cleanse that left me feeling stronger and more in control of my physical health. If you followed my columns last year, you may remember that I turned that idea of a physical cleanse into a 30-day financial cleanse with the goal of giving people a way to supercharge their financial health. The response I got was so positive that I decided this is one of those ideas that really should be repeated. The path to a healthier--and more productive--you It's pretty generally acknowledged that financial health and physical health go hand in hand. And it's all about stress. In fact, studies have found that financial stress leads to a whole range of serious physical problems from heart attacks to ulcers to migraines to depression. Plus, according the International Foundation of Employee Benefit Plans (IFEBP), financial stress can also significantly impact your professional life. A 2016 IFEBP survey found that financial issues result in employees' inability to focus at work as well as increased absenteeism. So it only makes sense that paying attention to your financial health not only potentially improves your personal well-being, but may also have a positive impact on your professional productivity--a clear win for both employees and employers. It starts with mindful spending To me, one of the best ways to reduce financial stress is to refocus on where your money is going--and where you want it to go. Sound difficult? It's not. You just need to zero in on three things: 1) Your spending and saving patterns; 2) Your short- and long-term goals; 3) The changes you need to make to align your spending with your personal priorities. And the financial cleanse is designed to help you do just that. Four weeks to a financially healthier 2017 The New Year is the perfect time to detox your finances and commit to financial health. So for those of you who followed my financial cleanse last year and want a refresher--and those who are looking for a way to lessen financial stress in 2017--here in a nutshell is the four-week program: Week 1--Set the stage for success. If this were a food cleanse, you'd start by cleaning out the pantry and refrigerator to get rid of unhealthy foods. For your financial cleanse, this means temporarily putting away your credit cards and using cash for your day-to-day expenses--things like lunches out, hair appointments, morning coffee, outings with your kids, date nights and impulse purchases. To increase your awareness even more, keep a written record of where your money goes (a spending tracker worksheet can help). Can you identify areas where you could easily cut back? Week 2--Track ALL your expenses. From mortgage or rent to utilities to insurance premiums to subscriptions and club memberships, add up all your monthly expenses--essentials as well as day-to-day. Then project your total monthly expenses and compare them to your take-home income--try using an online budget planner to make it easier. Will you fall short or have extra? Where can you make changes? Week 3--State your goals. Rainy day fund? House? Vacation? College? Dream a little, but also be realistic. To make your goals concrete, pick one short-term, one medium-term and one long-term goal and assign a dollar amount to each. Week 4--Put the pieces together. Look at the evidence you've collected and be honest with yourself. Does your spending align with your priorities? Do you need to adjust your budget? Can save more toward your goals? Use this information to take positive action. Are you ready to make a change? If I've peaked your interest, the next step is to make a personal commitment to improve your financial health--and stick with the program. But don't think you have to do everything all at once or necessarily all by yourself. To help you get going--and keep going--I've developed a Financial Cleanse Quick Start Guide with simple to dos for each week plus tips to help you keep motivated and on track. You'll also find more information at schwabmoneywise.com/financialcleanse. One more thought. In my experience, change doesn't have to happen all at once; it can be incremental. Just take it one small step at a time. Within a few weeks those baby steps can build into a formidable habit that will soon become second nature and put you on a lifelong path to financial health. Believe me, it's worth the effort! For more updates, follow Carrie on LinkedIn and Twitter. Looking for answers to your retirement questions? Check out Carrie's book,"The Charles Schwab Guide to Finances After Fifty: Answers to Your Most Important Money Questions." This article originally appeared on Schwab.com. You can e-mail Carrie at [email protected], or click here for additional Ask Carrie columns. This column is no substitute for an individualized recommendation, tax, legal or personalized investment advice. Where specific advice is necessary or appropriate, consult with a qualified tax advisor, CPA, financial planner or investment manager. COPYRIGHT 2017 CHARLES SCHWAB & CO., INC. (MEMBER SIPC.) (#0117-SWXN) -- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

Выбор редакции
17 января, 18:41

Charles Schwab stock price target raised to $48 from $44 at Citigroup

This is a Real-time headline. These are breaking news, delivered the minute it happens, delivered ticker-tape style. Visit www.marketwatch.com or the quote page for more information about this breaking news.

17 января, 17:30

Charles Schwab, Barrick Gold, Broadcom, Braskem S.A. and Campbell Soup highlighted as Zacks Bull and Bear of the Day

Charles Schwab, Barrick Gold, Broadcom, Braskem S.A. and Campbell Soup highlighted as Zacks Bull and Bear of the Day

17 января, 15:01

Bull of the Day: Charles Schwab (SCHW)

Bull of the Day: Charles Schwab (SCHW)

16 января, 15:51

Will Schwab (SCHW) Continue to Rally Post Q4 Earnings?

Will Schwab be again able to surpass estimates, given the increased volatility? Let's see how things have shaped up for this announcement.

16 января, 13:37

3 Top-Rated Schwab Mutual Funds to Boost Your Returns

Below we share with you three top-rated Schwab mutual funds. Each has earned a Zacks Mutual Fund Rank #1 (Strong Buy)

12 января, 17:30

Zacks Investment Ideas feature highlights: Charles Schwab, TD Ameritrade, E*TRADE Financial, KKR and Apollo Global Management

Zacks Investment Ideas feature highlights: Charles Schwab, TD Ameritrade, E*TRADE Financial, KKR and Apollo Global Management

11 января, 18:28

6 ETF Trends Likely to Take Centre Stage in 2017

Inside a few ETF trends likely to lead this year.

11 января, 02:43

Brokers and Private Equity Lead the Charge

Brokers and Private Equity Lead the Charge

09 января, 20:49

Ask Carrie: Raise Your Financial IQ in 2017

Dear Readers, It's that time again. And while you may have promised yourself to be smarter about your finances in 2017, we all know that New Year's resolutions are notoriously ineffective. Despite our best intentions, the vast majority of us simply don't follow through. So this year, instead of making an overwhelming list of things to do, I'm suggesting that you focus on a few concrete things you need to know. In other words, if you educate yourself about your finances, you'll be laying the foundation for success. Start the New Year by raising your financial IQ The financial world is filled with numbers and details, many of which you don't really need to think about. I believe you can give yourself a financial boost for 2017 by just zeroing in on these 10 things--all practical information that only require simple math: Your net worth. Simply add up your assets (what you own), and then subtract your liabilities (what you owe). This will show you whether you're in the black or the red, so you can plan and prioritize your savings and spending. You can also use it as a measuring stick for progress throughout the year. Your cash flow. What comes in each month? What goes out? Once you've double-checked your income, track your spending for 30 days. This will also help you determine which expenses are essential and how much discretionary income you have. If you regularly spend more than you earn, it's time to clean up your act. How big an emergency fund you need. Everyone's situation is different, but bad things--an illness, the loss of a job--can happen to anyone. Ideally, keep enough cash in an easily accessible account to cover three-to-six months' essential expenses. If you're retired, it's wise to keep enough cash handy to cover a couple of years. How much you're saving each month. Whatever your goal--retirement, college, the down payment on a house--be honest about what you're regularly putting toward each. Need to save more? Add savings as a line item in your monthly budget. Your credit rating. Don't guess. Go to annualcreditreport.com for your free report. Most credit card companies will give you your credit score for free. If your score isn't where you want it to be, fix it! Read this recent article for some tips that can help. What your debt is costing you. Interest, annual fees, late fees--they all add up. Are you carrying credit card balances? Think about the interest you're paying over time. But realize, too, that not all debt is bad. If it's low cost, tax deductible and for something like a mortgage or education, debt can work for you. Just understand what it's costing (an online cost-of-debt calculator can help). How much money you need on the day you retire. Will you need $500,000? A million? Maybe more? It depends on what you plan to spend. Chances are, you'll want an income equivalent to what you had before your retired. A quick rule of thumb suggests you should save 25 times what you think you'll need to withdraw from your portfolio the first year of retirement (in other words, if you want to withdraw $40,000 a year for 30 years, you'll need to have saved $1 million). Are you on track? Again, don't guess. Use a retirement calculator to help crunch the numbers and consider talking to a financial advisor. Your marginal and effective tax rates. To understand how much of your earnings you actually get to keep, there are two tax rates to be aware of. Your marginal tax rate is the amount of tax you pay on your last dollar of income. For example in 2016 if you're married filing jointly and in the 25 percent tax bracket, you'll pay $25 in taxes for every $100 of taxable income above $75,300 and up to $151,900. Your effective tax rate is the average rate you pay when you take all of your income into account, and is likely lower than your marginal rate. Your deductibles and copays for insurance. Premiums are only part of the cost of insurance. Review what you owe before your insurance kicks in, i.e., co-pays, deductibles and out-of-pocket limits. If your current policy isn't working for you, shop for different insurance! The basics of your estate plan. When was the last time you reviewed or updated the beneficiaries on things like retirement accounts and insurance policies? Do you have a basic will that names a guardian for your minor children? Have you completed an advance healthcare directive and given it to your doctor? All good questions--and smart actions to take. An estate planning attorney can guide you through the process. Now set yourself up for success With this information in front of you, you can more easily decide what you want to accomplish or what you might want to change. Then, rather than making empty promises, focus on ways to change your behavior. For example, set up technical support systems such as auto pays and calendar reminders. Another effective strategy is to find a financial buddy, whether a spouse or trusted friend, that you can talk things over with and check in with periodically on your progress. Make a mutual commitment to help each other achieve individual goals. Then, with the right information, a solid support system and a realistic attitude, you'll be in the best position to make smart decisions not only for the New Year--but for the rest of your life. Here's to a happy and financially rewarding 2017! For more updates, follow Carrie on LinkedIn and Twitter. Looking for answers to your retirement questions? Check out Carrie's book, "The Charles Schwab Guide to Finances After Fifty: Answers to Your Most Important Money Questions." This article originally appeared on Schwab.com. You can e-mail Carrie at [email protected], or click here for additional Ask Carrie columns. This column is no substitute for an individualized recommendation, tax, legal or personalized investment advice. Where specific advice is necessary or appropriate, consult with a qualified tax advisor, CPA, financial planner or investment manager. COPYRIGHT 2016 CHARLES SCHWAB & CO., INC. (MEMBER SIPC.) (#0117-S9HT) -- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

09 января, 17:30

Zacks Investment Ideas feature highlights: TD Ameritrade, Charles Schwab, AK Steel, Halliburton and Zoetis

Zacks Investment Ideas feature highlights: TD Ameritrade, Charles Schwab, AK Steel, Halliburton and Zoetis

06 января, 16:54

Why Charles Schwab (SCHW) Stock Might be a Great Pick

Charles Schwab (SCHW) is seeing solid earnings estimate revision activity, and is a great company from a Zacks Industry Rank perspective.

05 января, 15:43

Will SEI Investments Stock Witness a Turnaround in 2017?

Will SEI Investments (SEIC) stock be able to rebound this year?

05 января, 15:39

Stifel Closes City Financial Buyout: More Deals in Store?

Stifel (SF) completes City Financial transaction. Will the company continue growing inorganically?

04 января, 15:22

Interactive Brokers' (IBKR) December DARTs Decline Y/Y

Interactive Brokers Group, Inc.'s (IBKR) Electronic Brokerage segment reported a rise in Daily Average Revenue Trades (DARTs) for Dec 2016. The segment deals with the clearance and settling of trades for both individual and institutional clients globally.

03 января, 15:45

TD Ameritrade (AMTD) Poised for Growth; Should You Buy?

The recent interest rate hike is anticipated to bring stability to top-line generation, which creates a buying opportunity for long-term horses. TD Ameritrade Holding Corporation (AMTD) is one such stock.