The New Capital Journal
Financial news, views, advice, and guidance.
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Coronavirus Concerns? Consider Past Health Crises
If recent volatility is causing you to consider cashing out of your stock holdings, it may be worthwhile to pause and put recent events into perspective, using history as a guide.
The Coronavirus and the Global Economy
Anything that affects China, the world's second-largest economy, can have a powerful ripple effect around the globe.
The SECURE Act and Your Retirement Savings
The SECURE Act was enacted in December 2019 as part of a larger federal spending package.
TRACED Act Offers Consumers Additional Protections Against Robocalls
The Federal Communications Commission (FCC) ranks unwanted robocalls highest on their list of consumer complaints.
Trade Agreements Offer Optimism, But Uncertainty Remains
New trade deals were expected to be enacted in early 2020 acting as important steps toward resolving conflicts with our three largest trading partners that had cast a pall over a generally strong U.S. economy.
New Spending Package Includes Sweeping Retirement Plan Changes
The SECURE Act represents the most sweeping set of changes to retirement legislation in more than a decade.
The Ag Economy: Tough Times for Farmers in 2019
Net farm income is forecast to grow almost 4.8% to $88 billion in 2019, but this broad measure of profits includes financial support from the federal government.
What Will You Pay for Medicare in 2020?
Medicare premiums, deductibles, and coinsurance amounts change annually. Here's a look at some of the costs that will apply in 2020 if you're enrolled in Original Medicare Part A and Part B.
Year-End Charitable Giving
With the holiday season upon us and the end of the year approaching, we pause to give thanks for our blessings and the people in our lives. It is also a time when charitable giving often comes to mind.
College Cost Data for 2019-2020 School Year
Each year, the College Board releases its annual Trends in College Pricing report that highlights current college costs and trends.
Manufacturing Slowdown: What Does It Mean for the Economy?
In September 2019, the Institute for Supply Management (ISM) Purchasing Managers Index (PMI), which measures a wide variety of manufacturing data, fell to 47.8%, the lowest level since June 2009.1
Could a Health Savings Account Help Strengthen Your Retirement Plan?
Health expenses are rising faster than inflation, and even insured workers are finding it harder to pay their portion from year to year (premiums, copays, coinsurance, and deductibles), much less plan for the future.
November 1 Begins Open Enrollment for Health Insurance Marketplaces
Beginning on November 1, 2019, individuals may apply for new health insurance, switch to a different health-care plan, or re-enroll in their current plan through a Health Insurance Marketplace under the Affordable Care Act (ACA).
Employer Plans Can Offer the Foundation of a Comfortable Retirement
October 20 to 26, 2019, is National Retirement Security Week. What better time to review the benefits of your retirement plan and determine if you're making the most of them?
Medicare Open Enrollment Begins October 15
The Medicare Open Enrollment Period is the time during which Medicare beneficiaries can make new choices and pick plans that work best for them.
Upside Down: What Does the Yield Curve Suggest About Growth?
The yield curve at the beginning of 2017 reflected strong optimism about future growth, while the curve on August 14, 2019, suggested a much more pessimistic outlook.
Why You Need Life Insurance
September is Life Insurance Awareness Month, a good time to evaluate your life insurance needs and review your life insurance coverage.
Survey Details Back-to-School Spending for 2019
The National Retail Federation (NRF) and Proper Insights & Analytics recently released a survey detailing back-to-school spending for the 2019 school year. The survey looks at how American families plan to shop for clothing, supplies, and other items for the school year.
How Geopolitical Tensions May Impact Oil Prices and the Economy
The relationship between oil prices and economic growth has become more complicated in recent years. Conflict in the Persian Gulf has spurred modest oil price volatility in recent weeks, but prices didn't spike to high levels seen during some past conflicts.
Data Breaches: Tips for Protecting Your Identity and Your Money
Large-scale data breaches are in the news again, but that's hardly surprising. Breaches have become more frequent — a byproduct of living in an increasingly digital world.