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Showing posts from December, 2013

December 2013 Market Commentary


November marked the third consecutive month of positive returns for U.S. stocks. The S&P 500 Index, a measure of domestic large-cap stocks, gained 3.05%, while the Russell 2000 Index, which tracks U.S. small-cap stocks, returned 4.01% (Source:  Morningstar, Inc).

Overseas, equity market returns were less robust. The MSCI World ex U.S. Index edged up 0.61%, while the MSCI Emerging Markets Index fell 1.46%. Fixed income lost ground as the Barclays U.S. Aggregate Bond Index, a measure of the domestic investment-grade bond universe, slipped 0.37%, and the Barclays U.S. Corporate High-Yield Index, which tracks the non-investment grade bond market, managed a 0.51% gain (Source:  Morningstar, Inc).

Thankyou for your continued supportof White House Financial & Settlement Consulting. We wish you all a happy holiday season!!!

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Biggest Financial Mistakes


We are preparing to offer regular educational workshops we are calling our“Get Financially Fit Academy”.  One of the topics we will cover is the biggest mistakes we have seen people make in our almost 20 years of helpingpeople achieve their financial goals which are:

1.)    Not havingyour important information organized and letting someone you trust know where all your important information is.  This includes ensuring thatyour estate plan and beneficiaries are up to date. 

2.)    Not saving enough.  Many people arevery concerned about what they are invested in, however, they fail to realize that the MOST important factor in investing is regular, disciplined savings and NOT what it is invested in.  Sure, it is important to investyour hard savingsprudently, however, again this is secondary to simply saving regularly in good times and bad.

3.)    Not havingenoughdisability insurance coverage. Many people make sure they have enough life insurance in case they die b…