Best Places to Visit in the Caribbean
Based on user votes and expert insights, plus factors like accessibility to beaches, tourist attractions and comfortable accommodations, U.S. News compiled a list of the best Caribbean getaways. Help us evaluate next year’s top places by voting for your favorite destinations. And if you’re heading to these ports of call by way of a cruise, visit our ranking of the Best Cruise Lines in the Caribbean »
— Read on travel.usnews.com/rankings/best-caribbean-vacations/
How to start a side hustle: Many Americans want a side job, data shows
Side hustles are all the rage these days, so it’s not surprising to learn that more people want a piece of the action. In fact, in a survey of 2,000 workers with full-time jobs commissioned by Vistaprint, an online provider of marketing products and services to small businesses, 55% said they’d like to turn a hobby into a side business.
If you’re eager to earn extra money, a side hustle is a great way to go – especially since those surveyed added an average of $14,705.16 to their annual income as a result of that side work. Here’s how you can start a successful side hustle and, ideally, join their ranks.
— Read on www.usatoday.com/story/money/2019/08/04/55-of-americans-want-to-start-a-side-hustle-data-shows/39875257/
Nine Charts about the Future of Retirement | Urban Institute
Social Security cuts, shrinking employer-sponsored pensions, low savings rates, and longer life spans have raised fears of a looming retirement crisis. But other trends point to better retirement outcomes, such as women’s increased employment and earnings, longer working lives, and economic growth that raises wages.
— Read on www.urban.org/features/nine-charts-about-future-retirement
How grim is the future of retirement? – MarketWatch
Dire jeremiads about America’s looming retirement crisis are so common that it seems “retirementcrisis” is one word. The doom-and-gloom narrative goes something like this: Spendthrift Americans aren’t saving enough, so their living standards will plunge in retirement, and Social Security will buckle from the financial strain of too few workers supporting too many retirees.
Dark visions about retirement in America may be somewhat understandable considering the following: the nation’s deeply flawed retirement savings system; the forecast that Social Security’s reserves will run out in 2035 and the fact that local government retirement systems’ obligations to public sector retirees are increasing faster than the assets set aside to pay for them.
Depressed? Then take a moment to learn about a new report by the nonpartisan Urban Institute think tank: “Nine Charts about the Future of Retirement.”
— Read on www.marketwatch.com/story/how-grim-is-the-future-of-retirement-2019-08-06
The biggest bull market ever — yet disaster looms for millions of retirees – MarketWatch
The coming ‘tsunami of poverty’ for retirees — and what to do about it.
The wealthiest 10% of households own 84% of all stocks—and that includes pension plans, 401(k) accounts and individual retirement accounts (IRAs) as well as trust funds, mutual funds and college savings programs like 529 plans. That means 90% of American households own the remaining 16% of all stock.
— Read on www.marketwatch.com/story/the-biggest-bull-market-ever-yet-disaster-looms-for-millions-of-retirees-2019-07-18
Picanha is the national steak of Brazil
Mexican flank steak
Black Angus ground sirloin burger
Baked zucchini and garlic mashed potatoes
What is Beta
Beta is a measure of share price volatility. Volatility is considered to be a measure of risk in modern finance theory.
Investors may think of volatility as falling into two main categories.
- The first type is company specific volatility. Investors use diversification across uncorrelated stocks to reduce this kind of price volatility across the portfolio.
- The second sort is caused by the natural volatility of markets, overall. For example, certain macroeconomic events will impact (virtually) all stocks on the market.
Some stocks mimic the volatility of the market quite closely, while others demonstrate muted, exagerrated or uncorrelated price movements.
Beta is a widely used metric to measure a stock’s exposure to market risk (volatility). Before going on, it’s worth noting that Warren Buffett pointed out in his 2014 letter to shareholders that ‘volatility is far from synonymous with risk.’
Beta can still be rather useful. The first thing to understand about beta is that the beta of the overall market is one. A stock with a beta below one is either less volatile than the market, or more volatile but not corellated with the overall market. In comparison a stock with a beta of over one tends to be move in a similar direction to the market in the long term, but with greater changes in price.
A beta of 1.51 is well above 1 indicates that its share price movements have shown sensitivity to overall market volatility. Based on this history, investors should be aware that stock price are likely to rise strongly in times of greed, but sell off in times of fear. Many would argue that beta is useful in position sizing, but fundamental metrics such as revenue and earnings are more important overall.
Stock market news: August 1, 2019
U.S. stocks dropped Thursday after President Donald Trump wrote in a Twitter post that the administration would be imposing 10% tariffs on $300 billion worth of Chinese imports at the beginning of September, following a round of trade talks earlier this week
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Americans Are Saving Too Little for Retirement, No Matter How You Slice It
Though average account balance is often cited as a gauge of Americans’ retirement savings health, the numbers can be misleading.