Financial Topics Newsletter

March 2010

Saturday, February 4, 2012

Social Media

Social media is changing the world quicker than any previous revolution. Americans have access to 1,000,000,000,000 websites, 65,000 iPhone apps, and 10,500 radio stations. Social media has made it easier than ever to reach a large audience and harder than ever to really connect with that audience.

YouTube is the second largest search engine in the world. More video was uploaded to YouTube in the last 2 months than if ABC, NBC, and CBS had been airing new content 24/7/365 since 1948 (which was when ABC started broadcasting).

This has created a fundamental shift in the way we communicate. Facebook added 100 million users in less than 9 months. If Facebook were a country it would be the fourth largest behind China, India, and the United States. One out of 8 couples that were married last year in the United States met via social media. There are more than 1.5 million pieces of content (web links, news stories, blog posts, notes, photos, etc) shared on Facebook daily. We no longer find news…news find us.

Wisdom Investments has joined the social media revolution.

Revisit Your Asset Allocation

No one enjoys the recent market fluctuations. But if these fluctuations have caused you extreme discomfort, then it's probably time to reassess your asset allocation. To do so, follow these steps...
[FULL ARTICLE]

Is 10% Enough?

A common rule of thumb when planning for retirement is to save 10% of your gross income during your working years. Since this rule of thumb has been around for a long time, it's logical to question whether it's still an appropriate guideline. Several trends suggest that it is probably on the low side.
[FULL ARTICLE]

Caught in the Middle

At a time when baby boomer couples should be saving for their own retirements, many feel squeezed by competing financial needs. Having started families later than past generations, their children may just now be entering college or still living at home. At the same time, aging parents may need financial assistance. It is a dilemma that is likely to become more common.
[FULL ARTICLE]

The Problem with Average Returns

When setting up an investment program, the assumed rate of return is typically an average return for some historical period. While that is generally viewed as a conservative approach, there are some problems with using an average return.
[FULL ARTICLE]

Time to Reassess Your Risk Tolerance

Typically, before deciding how much to allocate to different investment categories, you answer several questions about your tolerance for risk. While it can be difficult to judge how you will react to different scenarios, the recent stock market fluctuations have provided a real-world test of theoretical answers.
[FULL ARTICLE]

Bill serves his clients as their life advisor, with a belief that wealth management is an ongoing process in which he helps and coaches them to reach their personal financial objectives, including, financial independence, estate preservation, and a legacy of wealth, significance and values.

Feel free to contact Bill via e-mail at
smartdecisions@wisdominvestments.com
or visit our Web site
www.wisdominvestments.com

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Published by Bill Kmiecik
Copyright © 2010 Integrated Concepts Group, Inc. All rights reserved.
Some information provided in this newsletter was prepared by Integrated Concepts. This newsletter intends to offer factual and up-to-date information on the subjects discussed, but should not be regarded as a complete analysis of these subjects. The appropriate professional advisors should be consulted before implementing any options presented. No party assumes liability for any loss or damage resulting from errors or omissions or reliance on or use of this material.

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