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The math of today’s low interest rates

By Allyn Hughes, CFP®, ChFC®, CLU®, CAP® Recently I read the transcript of a presentation by John Shrewsberry, the CFO of Wells Fargo. He commented that Wells Fargo had $1,200,000,000,000.00 of deposits (yes, $1.2 trillion!) on which they were paying – on average – 2 basis points (2/1
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Big Data and Your Spending

Harry Dent is a demographer and writer. He recently wrote a book The Demographic Cliff: How to Survive and Prosper During the Great Deflation of 2014-2019. The thesis of this book is that global demographics strongly suggest that overall consumption—which is 70% controlled by individu
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Different journey, same destination

The past seven years have been a remarkable investment journey defined by shocking stock market depths, robust recovery and the end of a 30-year bull market in bonds. Here’s a surprising reality about the past seven years:  you could have taken three very different paths with your inv
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Fracking, natural gas and the economics of energy

Richard Vodra, is a lawyer and Certified Financial Planner™ and the president of Worldview Two Planning of McLean, VA. He recently published an article “Is Fracking a ‘Happy Solution’ to our Energy Needs?” In this article he brings up a variety of issues that the U.S. faces with the p
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