Bucks: How to Talk About Money With Your Spouse

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Carl Richards

Carl Richards is a certified financial planner in Park City, Utah, and is the director of investor education at BAM Advisor Services. His book, “The Behavior Gap,” was published earlier this year. His sketches are archived here on the Bucks blog.

Years ago, my wife and I had dinner with another couple, whom I’ll call Bob and Sue. During the meal, we discussed money, the market and our goals and dreams for our families. Then we started talking about retirement, and that’s when Bob got a big surprise.

Sue mentioned that traveling more was her primary goal for retirement. As Sue talked about her travel plans, I looked at Bob and could see he was shocked. Bob then admitted that he’d never heard Sue say anything about travel. “I didn’t know it was a goal,” said Bob.

What made this so surprising is that Bob and Sue had been together for over a decade in a solid relationship. Clearly, even the most engaged couples or partners don’t automatically cover all the bases when it comes to the big stuff, which means we need to make a concerted effort to do better.

More than once, I’ve been in client meetings where it’s clear that couples are having their first discussion on big decisions — kids’ education, saving, even retirement. Without fail, either one or both individuals is surprised, if not shocked, by their partner’s opinion on a topic. So from what I’ve seen, it seems obvious that the more conversations you have about money before you have to make major financial decisions, the happier you’ll be in your relationship.

I think it’s safe to say the rules apply to whatever relationship you’re in, whether it be personal or professional. Having the conversation before the decision gets made can make a huge difference in not only your happiness, but also the long-term success of your relationship.

Here are a few things I’ve found that can make a difference:

1. Set a spending threshold. Often our biggest arguments come from surprises. For instance, one of the easiest ways to start an argument is for one spouse to make a big purchase without telling the other. I’ve found it helpful to set a predetermined limit. You choose what it is. Depending on your budget it may be as little as $50 or as much as $500. The point is that you discuss it with your partner.

2. Talk about education. It may seem odd, but one of the most common disagreements I see between couples revolves around their children’s education. One parent may say, “I supported myself and paid for my school. It’s better for our kids if they do that, too.” The other wants to pay for the best school the kids can attend, no matter the price. The point isn’t that one is right and the other is wrong. Since it’s a topic that can raise strong feelings, it needs to be discussed, preferably before the first child is a senior in high school and sending out applications.

3. Decide where to live. Some people really want to own a house, others don’t mind renting. Couples need to have this discussion because it can be an emotional decision. There needs to be an honest conversation about expectations on both sides and what’s right for you as a couple and family. I also can’t emphasize it enough: Don’t view your home as an investment. Buy a house for reasons that aren’t connected to selling it again in a year. Otherwise you may head down a road that causes frustration in the future.

4. Talk about vacations. Because big dollars can be involved, you need to talk through your vacation expectations. You need to be honest with each other about a budget that makes sense for travel and put it in the context of your other financial obligations. The last thing you want to do is go on vacation and then come home only to be shocked by the credit card statement.

5. Review your retirement expectations. The way we think of retirement is changing, and you need to discuss it with your spouse. You may be in the camp that says, “I’m working for 40 years and then I’m done.” However, I’m seeing more people say they want to work long enough to then be able to do something that’s less stressful but more fulfilling. Talk it through and be clear about what’s important to you.

At this point, you may be wondering how to get started. Here’s a few ideas:

Each month set aside a specific time and place to talk. Doing so can help you avoid tricky conversations when they’re least expected or when you may already be irritated by something else. By setting aside time, you can prepare and know what to expect. There may still be disagreements, but because you’re talking about money regularly, it’s less likely to get blown out of proportion.

Also, have a “no shame, no blame” rule. Many discussions around money can end in heated arguments. Take the heat out by giving both individuals permission to have these discussions without shame or blame. The point is that you’re talking through the problems. Then, take responsibility for your actions. While there shouldn’t be any shame, with every discussion you should commit to learn from your mistakes and move forward.

Write the decisions down so you can track your progress. A benefit of monthly meetings is that you can assess how you’re doing, but it requires keeping track of what you’ve agreed to do. Write things down and revisit them during your meeting. Have you made progress? If not, what needs to happen? The list can be a great way to manage your monthly conversations. Don’t be afraid to use it and hold each other accountable.

Finally, automate your decisions. If you decide it’s important to save $200 for education every month, give this decision a head start. Work with the institution that’s holding your savings to make the payment automatic. It will give you one more thing to check off the list and save you from having to remake the decision monthly.

Talking about money with our spouse or business partner doesn’t have to be a scary or stressful affair. In fact, I think we can dial down the stress significantly when we have a better understanding of what matters to the other person in our relationships. It also doesn’t hurt that we get the added benefit of greater financial success in our lives by talking through these big financial decisions before they become critical.

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MORTGAGES; Dealing With Student Debt

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CORRECTION APPENDED

FOR many recent college graduates, the dream of owning a home may have to be postponed awhile as they first grapple with repaying mounds of education loans.

Outstanding student loan debt now totals over $1 trillion, according to a report last month from the Consumer Financial Protection Bureau. That surpasses the amount owned on all credit cards in the United States.

Student debt has become an issue in the presidential race, with both President Obama and Mitt Romney, the presumed Republican nominee, supporting efforts to extend loan subsidies set to expire in July.

Last year alone, students took out $117 billion just in federal loans. And it's no wonder: According to the College Board, the average annual cost of out-of-state tuition, room and board at a public institution is $29,657; at a private nonprofit, it is $38,589.

''Some student loan payments are as high as a mortgage,'' said Cari Sweet-Kostoplis, an assistant vice president of the Jersey Mortgage Corporation in Parsippany. She noted that one client who had monthly loan payments totaling $2,800 opted to work as a prison psychologist to qualify for a federal student loan forgiveness program offered to those who undertake community service work after graduation.

Ms. Sweet-Kostoplis and other industry experts say that many first-time buyers get turned down for mortgages because their student loan debt significantly raises their overall debt level. Most lenders follow underwriting guidelines that limit total debt payments -- for the mortgage and property taxes, plus credit cards, student loans, car loans and other debts -- to 45 to 50 percent of a borrower's adjusted gross income.

Assuming the mortgage and taxes will eat up 33 to 35 percent, that means student loan payments, plus credit card bills, can account for no more than 10 percent or so of gross income, Ms. Sweet-Kostoplis said. That equals $833 a month for someone who makes $100,000 a year.

To lower monthly loan payments, borrowers can restructure or consolidate student loans. Mark Kantrowitz, the founder of FinAid.org, which offers advice on student loans and scholarships, says some students choose to extend the length of the loans.

Loan consolidations may be done through the student loan provider Sallie Mae, and could net an interest rate as low as 3 percent and a term of up to 25 years, said David Boone, a first vice president of Provident Bank in Jersey City, N.J.

Before embarking on a home search, Mr. Boone recommends aggressively paying off student loan debt and refraining from taking on any more big debts, like buying a car. Borrowers should also make sure that their student loan payments are made in a timely manner. A loan would be declared delinquent if payments were 30 days or more late, said Heather Jarvis, a lawyer in Wilmington, N.C., who offers student debt training as well as advice for high-debt individuals.

Ms. Jarvis, who graduated from law school with $125,000 in student debt, also notes that there is no statute of limitations on collection for past-due student loan payments, and says she even knows of people who have had their Social Security checks garnished to repay them.

Conversely, she added, repaying student loans on time and in full would also help improve a borrower's credit score.

Another way to lower student debt is to get the borrower's family involved, though this comes with risks.

For example, Mr. Kantrowitz said, parents or grandparents could agree to take out a home equity loan and use the proceeds to pay off the student loan balances. The borrower would then repay the home equity loan, either to the parent or directly to the lender. Home equity loans usually have lower interest rates than student loans because the debt is secured, he said, adding that if the rate was at least two percentage points below the student loan rate, it could be worthwhile making the switch.

CHARTS: INDEX FOR ADJUSTABLE RATE MORTGAGES: 1-year Treasury rate (Source: HSH.com)

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As the Market Lurches, New Options to Avoid Getting Seasick

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WHEN it came to stock market volatility, 2011 was pretty close to the mother of all roller-coaster rides.

The Standard & Poor’s 500-stock index had several daily swings of 2 percent or more in August alone. The Dow Jones industrial average seesawed more than 400 points for four straight days that month. With the sturm und drang of European and American debt woes continuing, we may see more bipolar market oscillations.

The investment climate — even among wealthy investors — has cooled toward stocks that have full exposure to the market’s ups and downs. A recent survey by the Spectrem Group found that “while somewhat more moderate in risk tolerance than in 2009, investors remain more interested in protecting principal than growing their assets.”

So it comes as no surprise that Wall Street has hatched a new generation of products that cater to those who hate market volatility. Not only can you reduce your exposure to the most spasmodic stocks, you can also bet against wild price swings, although neither strategy is a flawless safeguard against market risk.

This new generation of “low-volatility,” exchange-traded funds focuses on established companies with consistent earnings flow and dividends.

You can now find a low-volatility fund for nearly every corner of the global stock market. The PowerShares S.& P. 500 low-volatility fund invests in 100 companies from the index that “exhibited the lowest sensitivity to market movement, or beta, over the past 12 months.”

Skittish about emerging-market stocks? The iShares MSCI Emerging Markets Minimum Volatility Index Fund could be worth a look. Tilting more toward small companies in the United States? The Russell 2000 Low Volatility fund focuses on small- and micro-cap stocks with strong growth prospects.

What if you want to bet squarely against the downward volatility of the S.& P. 500 index? Then you might consider the iPath S.& P. 500 Short-Term VIX fund, a complex exchange-traded fund based on futures contracts that track the implied volatility of the index.

For an even broader approach, Lance Gunkel — a fee-only certified financial planner with Sherpa Investment Management in West Des Moines, Iowa — uses the SEI Managed Volatility Fund, which covers a low-volatility index representing 3,000 stocks that may also invest in futures and options. The fund’s load-adjusted return was nearly 10 percent compared with a nearly flat performance for the S.& P. 500 Index last year.

The companies in the low-volatility funds he chooses for his clients tend to be “cash-flow rich with low price/earnings ratios, dividend paying with a value tilt,” Mr. Gunkel said.

While there is an appeal to tamping down portfolio extremes, the low-volatility strategy is no substitute for a comprehensive reduction of market risk. While many low-volatility funds track stocks that have had fewer price swings on average over the last year, that may not be the most prudent way to avoid future volatility.

If low-volatility funds were concentrated in “safer” stocks like dividend-rich utilities and major energy producers in 2011, unless they shifted gears to match market sentiment for this year’s favored sectors, they might fall victim to “sector rotation,” as professional money managers shift into other industries and sell the favored stocks of the previous year. Last year’s darlings may be this year’s goats.

Also keep in mind that most of these funds have been started within the last few years. Few, if any, have been battle-tested in a 2008-style collapse, which is when you would need them to offer real protection. (And they are not to be confused with balanced funds that have a mix of bonds or cash, or more exotic “inverse” funds that move in the opposite direction of stocks.)

Lee Munson, the author of “Rigged Money” and a financial planner and registered adviser with Portfolio, in Albuquerque, said he was “offended by the gentle marketing lie” of low-volatility funds because they did not address the larger need to reduce market risk in times of market crisis. Every low-volatility fund is still exposed to the market. And still looming is “event risk,” like the threat of a European country defaulting on its debt.

A lot of investors, Mr. Munson maintained, mistakenly “confuse low volatility with low risk,” adding: “You can’t call a Lexus a Mercedes. People think that when the market goes down, I won’t get hurt in these funds. They’re all stocks.”

Mr. Munson suggested a more enlightened view that looks at “risk budgeting,” or gauging how much risk you can take, and design a portfolio that tracks your tolerance — or intolerance — for stock market exposure.

It is also possible to reallocate easily to include more bonds to offset equity holdings. Real diversification includes investments that do not move in lock step when the market turns south.

A qualified investment adviser or certified financial planner can also help you hedge risk in other ways, like buying options on specific stocks or indexes you may own. The goal, as always, is to developthe portfolio that best provides for your needs in the least stressful way.

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Brightworth, Atlanta Financial Advisors, Say Taming the U.S. Budget Beast Has Been Done Before

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Brightworth
    ATLANTA, GA, May 17, 2012 /24-7PressRelease/ -- In recent years, U.S. budget deficits and the national debt have grown rapidly. Today, many in Washington and around the country think the runaway debt is out of control and cannot be turned around. However, Brightworth, Atlanta financial advisors, say some may be surprised to learn we've been here before and were able to bring the debt back down.

During World War II, the United States ran massive budget deficits that caused our debt to Gross Domestic Product (GDP) ratio to skyrocket from 44 percent in 1940 to 109 percent in 1946. As the war came to an end, the United States sharply reduced its military and overall government spending.

Cutting government spending today will be harder than it was in 1946, when military spending could be sharply reduced. Although there are military expenses to reduce as operations in Iraq and Afghanistan wind down, Medicare, Medicaid and Social Security make up a significant part of spending today and will be politically hard to cut. The other option of increasing tax revenues is also not popular and could slow economic growth. To bring the budget back into balance, some combination of entitlement cuts and revenue increases will be required.

The Atlanta asset management team at Brightworth states, "Given the political challenges of cutting entitlements and raising taxes in an election year, most politicians would prefer to reduce the debt to GDP ratio through economic growth and inflation." Inflation rose to nearly 4 percent in late 2011. While it may drop in the near term, inflation will likely be higher in coming years as the U.S. government looks to reduce its overall debt.

U.S. economic growth will probably remain modest, but could be stronger than expected if bold tax reform and economic growth policies are implemented. As the decade following World War II showed, modest economic growth and moderate inflation can significantly reduce the debt to GDP ratio if we can reign in deficits.

For more information on Atlanta investment management, visit http://www.brightworth.com.

About Brightworth:

Brightworth is a "fee-only" Atlanta wealth management firm. The Atlanta financial planners at Brightworth have a deep expertise across the financial disciplines to provide ongoing advice and coordinated leadership. Brightworth portfolios are built with a global capital markets perspective that includes the use of alternative investments to capture returns and reduce volatility as markets shift. With a policy of accountability and transparency, this Atlanta asset management firm is built to last with a succession plan designed for Brightworth to operate independently for generations.

For more information, visit http://www.brightworth.com

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Looking to Frontier Markets for Next Big Thing in Investing

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Emerging-market portfolio managers specialize in finding the next big thing. But after the transformation of many economies in Asia and Latin America in the past two decades and the strong returns and mainstream popularity of their markets, what’s left to be found?

How about stock markets in Africa, the Middle East and Asian countries like Vietnam, Bangladesh and Sri Lanka? Investment advisers who focus on the developing world contend that many of these so-called frontier markets, especially in Africa, offer similar opportunities to the fledgling markets of earlier generations.

“Africa is going to be the next big growth story that’s largely undiscovered,” said Larry Seruma, manager of the Nile Pan Africa Fund, a U.S. mutual fund that holds shares in companies that are based in the region or that do substantial business there. “It can supplant Brazil, China and Russia if its potential is realized,” he said.

That’s a big if, and contemplating Africa’s many problems only makes it seem bigger. There is desperate poverty, disease and hunger, compounded by other scourges that limit opportunities for Africans to improve their lives: political instability, deficient education systems and in some cases longstanding military conflict.

But the case for the region and frontier markets elsewhere is precisely that they have just set out on the path to economic and social progress and still have a long way to go. That is the same journey made by the big emerging economies of today. It’s barely four decades since Chinese farms were decollectivized, for instance, and less than two decades since Brazilian inflation was running at more than 40 percent a month.

“Frontier markets are often in a much earlier state of economic development than larger emerging markets and may have only recently opened to foreign investing,” said Mark Mobius, one of the pioneers of investing in the developing world, who directs emerging-market operations at Franklin Templeton, the fund management company. “This helps explain their high growth potential. Newer markets typically have more room to grow, and the search for growth potential amid acute global volatility is encouraging many investors to expand their horizons.”

A recent report by Citigroup identified 11 economies expected to show exceptional growth through the middle of the century, including two of the usual suspects, China and India. Most of the others are frontier markets — Bangladesh, Iraq, Mongolia, Nigeria, Sri Lanka and Vietnam — or else minor emerging markets that managers of frontier portfolios sometimes invest in, like Egypt and the Philippines.

Advocates of investing in places like these expect them to become the markets of tomorrow. As for today and yesterday, well, that’s a different story. The MSCI frontier markets index lost about two-thirds of its value during the global collapse of 2008 and 2009.

That is slightly worse than MSCI’s indexes of global emerging and mature markets, but where frontier markets really suffer in comparison is in the period since then. The recovery in frontier markets has been much shallower, leaving the index at less than half of its 2008 high, while the other two indexes have recovered nearly all of their lost ground.

Pradipta Chakrabortty, a manager of the Harding Loevner Frontier Emerging Markets Fund, attributes the weakness, particularly in Africa, to the political turmoil of the Arab Spring revolts and to a run of economic and financial hardship, not there but to the north.

“Africa has a lot of capital coming in from Europe,” he explained. “In 2010 it started flowing into frontier markets, but the recovery got nipped in the bud because of the sovereign debt crisis.”

Mr. Chakrabortty pointed out, though, that some deep-pocketed investors continued to funnel money into frontier markets. Chinese enterprises are making huge purchases of industrial and agricultural assets in places like Africa and Vietnam.

Whenever other investors decide to join them, there are three themes that fund managers expect to drive returns for years to come: growth of a middle-class consumer society, with all the products and services that are its trappings; production and export of natural resources; and development of infrastructure, including the transportation and communication networks required for the success of companies involved in the other two themes.

Mr. Chakrabortty finds some of the best opportunities these days in Africa and the Middle East and in Vietnam and Bangladesh, where labor is less expensive than elsewhere in Asia. His portfolio is heavily invested in consumer-oriented stocks like Safaricom, a Kenyan telephone service provider, and Equity Bank, also in Kenya. Other selections include Squire Pharmaceuticals in Bangladesh and First Bank of Nigeria.

Mr. Mobius sees encouraging prospects for frontier markets pretty much everywhere. He said he was “optimistic about the long-term growth potential in many countries” in Africa and added that “we must not overlook Latin American countries such as Colombia and Peru, the countries in Eastern Europe, such as Romania, and countries in Asia such as Vietnam, Pakistan and Sri Lanka.”

Mr. Seruma focuses on Africa, but he does not feel the need to invest there to capture the continent’s promise. His portfolio includes holdings like African Oil, which has discovered reserves in Kenya but has a stock listed in Canada, and Tullow Oil, which is listed in Britain and has energy assets in Ghana and Uganda.

His fund also owns developed-frontier hybrids like East African Breweries, which is half owned by the global beverage conglomerate Diageo, and Nestlé Nigeria. Among the pure African stocks he favors are Guaranty Trust Bank in Nigeria and Flour Mills of Nigeria, a producer of basic foods.

“As more capital gets employed” in the markets he follows, “you’re going to see returns catch up with the rest of the world,” Mr. Seruma predicted. As for how long it will take for them to become a big thing, he is uncertain. “You have to focus on the long-term growth story,” he said, “and be a patient investor.”

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Mortgages - Dealing With Student Debt

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Outstanding student loan debt now totals over $1 trillion, according to a report last month from the Consumer Financial Protection Bureau. That surpasses the amount owned on all credit cards in the United States.

Student debt has become an issue in the presidential race, with both President Obama and Mitt Romney, the presumed Republican nominee, supporting efforts to extend loan subsidies set to expire in July.

Last year alone, students took out $117 billion just in federal loans. And it’s no wonder: According to the College Board, the average annual cost of out-of-state tuition, room and board at a public institution is $29,657; at a private nonprofit, it is $38,589.

“Some student loan payments are as high as a mortgage,” said Cari Sweet-Kostoplis, an assistant vice president of the Jersey Mortgage Corporation in Parsippany. She noted that one client who had monthly loan payments totaling $2,800 opted to work as a prison psychologist to qualify for a federal student loan forgiveness program offered to those who undertake community service work after graduation.

Ms. Sweet-Kostoplis and other industry experts say that many first-time buyers get turned down for mortgages because their student loan debt significantly raises their overall debt level. Most lenders follow underwriting guidelines that limit total debt payments — for the mortgage and property taxes, plus credit cards, student loans, car loans and other debts — to 45 to 50 percent of a borrower’s adjusted gross income.

Assuming the mortgage and taxes will eat up 33 to 35 percent, that means student loan payments, plus credit card bills, can account for no more than 10 percent or so of gross income, Ms. Sweet-Kostoplis said. That equals $833 a month for someone who makes $100,000 a year.

To lower monthly loan payments, borrowers can restructure or consolidate student loans. Mark Kantrowitz, the founder of FinAid.org, which offers advice on student loans and scholarships, says some students choose to extend the length of the loans.

Loan consolidations may be done through the student loan provider Sallie Mae, and could net an interest rate as low as 3 percent and a term of up to 25 years, said David Boone, a first vice president of Provident Bank in Jersey City, N.J.

Before embarking on a home search, Mr. Boone recommends aggressively paying off student loan debt and refraining from taking on any more big debts, like buying a car. Borrowers should also make sure that their student loan payments are made in a timely manner. A loan would be declared delinquent if payments were 30 days or more late, said Heather Jarvis, a lawyer in Wilmington, N.C., who offers student debt training as well as advice for high-debt individuals.

Ms. Jarvis, who graduated from law school with $125,000 in student debt, also notes that there is no statute of limitations on collection for past-due student loan payments, and says she even knows of people who have had their Social Security checks garnished to repay them.

Conversely, she added, repaying student loans on time and in full would also help improve a borrower’s credit score.

Another way to lower student debt is to get the borrower’s family involved, though this comes with risks.

For example, Mr. Kantrowitz said, parents or grandparents could agree to take out a home equity loan and use the proceeds to pay off the student loan balances. The borrower would then repay the home equity loan, either to the parent or directly to the lender. Home equity loans usually have lower interest rates than student loans because the debt is secured, he said, adding that if the rate was at least two percentage points below the student loan rate, it could be worthwhile making the switch.

This article has been revised to reflect the following correction:

Correction: May 6, 2012

The Mortgages column last Sunday, about qualifying for a mortgage while still paying back student debt, misstated the policy of Sallie Mae, a student loan provider, on consolidation loans. It offers private loans to current college students who need to supplement federal financial aid, but it does not offer consolidation loans.

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Pose Retirement Questions to a Financial Planner

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You can pose your retirement questions to a certified financial planner for free on Wednesday, during two hourlong online sessions run by the National Association of Personal Financial Advisors and Kiplinger.

During the two Web sessions — at 10 a.m. Eastern time, and at 1 p.m. — you can ask your questions and have them answered by a member of the financial advisers group. Members of the association are fee-only financial advisers, meaning they earn fees from their clients only, rather than earning commissions from selling investments or other products.

The event is the second in a series. A transcript of the questions and answers from the previous session in October is available at Kiplinger’s Web site.

To participate, you can visit the Facebook pages of either the association or Kiplinger.

(You can also read questions and answers or submit questions via the association’s or Kiplinger’s Twitter handles, using the #JumpStartRetire hashtag).

If you miss Wednesday’s session, you can try again at another session on Dec. 14.

Kiplinger and the association will also run two day-long “Jump Start Your Retirement Plan” sessions on Jan. 12 and 17.

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PawnUp.com Online Pawn Shop Increases Their Customer Service Team

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PawnUp.com - No Credit Check Cash Loans Online
    MONTREAL, QC, May 15, 2012 /24-7PressRelease/ -- After the launch of their recent TV Ad, PawnUp.com has made a decision to increase their customer service team to serve the needs of their customers quicker and more efficiently. Their short video is not only educating people about the revolutionary way of selling their valuables online or getting a collateralized loan for them, but it also improves the image of a "pawn shop" in general.

It's only recently that a wider audience has started to get a better perception of the pawn industry. This is mainly due to certain reality shows that are popularizing pawn shops as places where people can get an honest evaluation and good value for their items.

PawnUp.com's online pawn shop has put pawning and selling people's valuables online to a higher level - they continuously help people to get cash fast, any time, hassle-free without any credit checks whatsoever. At PawnUp.com applications are done online, evaluations are free, customers' valuables are shipped by FedEx to their secured facilities, insured throughout the whole process to their secured facilities and the customers' cash is deposited directly to their bank accounts.

About PawnUp.com

www.PawnUp.com is the leading provider of secured loans online in Canada. It offers low interest rates (up to 5% per month), friendly customer service, fast, free evaluations, free shipping, free insurance, complete security and confidentiality.

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Bucks: A Look at Why Consumers Are Using Prepaid Debit Cards

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It’s clear that prepaid debit cards — cards that you load with cash, spend down and then reload — are hot.

In 2009, consumers loaded roughly $29 billion on such cards, which are especially popular with young adults and those considered underbanked — meaning they have little access to mainstream financial institutions like banks. But by next year, that amount is expected to reach $202 billion, according to an estimate cited in a report from an arm of the Pew Charitable Trusts. Even the budgeting guru Suze Orman is marketing a prepaid card.

So to gain insight into why consumers are using the cards, researchers from Pew’s Safe Checking in the Electronic Age project convened focus groups last fall in Houston and Chicago.

The project recently released some of its findings, along with excerpts from the comments made by participants in the focus groups. The gist of the findings is that users do not like some of the fees associated with prepaid cards, but seem to prefer them over higher and, from their perspective, less predictable fees that come along with traditional checking accounts.

Some of the comments are not only enlightening but also fun to read, so I decided to share some here. (You can read more in the full report).

Here’s one of my favorites, in which a Chicago woman re-enacts a telephone call she made to the customer service number for her prepaid card to question a charge — only to learn that she was being charged for the inquiry. (The card brand isn’t identified.)

Participant: “It was like, ‘Ma’am, you get charged for calling customer service.’ ‘I’m getting charged now for calling you all about the money that I got charged?’ She was like, ‘Yes, I’m sorry.’ I was like, ‘The next time I load my card, I have to pay for the fees that you charge me for talking to you right now?’ ‘Yes.’ ‘O.K. ’Bye.’”

Yet participants seemed to prefer the fees associated with prepaid cards, which Houston participants described as more transparent, to charges like overdraft fees that can come into play with checking accounts at banks.

Male Participant: “Compared to my situation, I went through a lot of late fees with the credit cards, extra fees with the checking accounts. I was paying monthly between $35 to $50 in fees compared to $3.99 that I pay for a maintenance fee to get a card.”

Female Participant, on the prepaid card fees: “I think they are fair because they’re upfront. I’m thinking in contrast to a checking account. I think the ambiance and the idea of the marketing behind a checking account is they’re your friend; they’re your hometown bank. You can depend on them. You can count on them and, really, they’re just lulling you into the sense of comfort because they’re going to whammy you with fees on the backside. Whereas prepaid debit cards, they’re very upfront. This is the cost of the card; this is the cost for the services. It’s up to you at that point.”

Several participants seemed uneasy about the notion of adding credit options to prepaid cards, since they see a major benefit of the cards as helping them stick to a budget and avoid overspending.

Female Participant (Chicago): “It defeats the purpose of a prepaid debit card because it is, like, it’s a credit card. You can use money that you really don’t have to pay back, and I wouldn’t want to do that because I know I’m just going to get myself in some trouble.”

Have you used prepaid debit cards? Are the fees charged for them worth it for the service the cards offer?

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Lack of Life Insurance Cover Creates GBP2.4 Trillion Protection Gap in the UK

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BRIGHTON, ENGLAND, May 05, 2012 /24-7PressRelease/ -- Research highlighted by Barclays raises concerns that nearly two thirds (60 per cent) of adults in the UK do not have life insurance, which could mean that Britain is facing a protection gap in the UK insurance market of GBP2.4 trillion.[1]

According to new research by Barclays, the main reasons for not taking out life insurance were the increasing pressures on household expenditure and needing to cut back (42 per cent), separating from a partner (27 per cent) and a quarter believing it's a waste of money.

To help customers better protect themselves financially, should the worst happen, Barclays is encouraging customers to review their protection needs and is offering three months cash back to customers who purchase a life insurance policy between 21 April and 1 June 2012*.

Kieran Murphy, Managing Director, Barclays Insurance said: "Many people have a natural blind spot regarding the financial security of their dependents should they unexpectedly not be here tomorrow. However, it's really important people consider how their dependents would cope financially should the worst happen.

"Life insurance and knowing your family are protected is really valuable and obtaining the right level of cover needn't be too costly. We know that household budgets are really tight at the moment, but it's important that protection needs don't slip down the list of priorities."

Barclays Life Insurance provided by Aviva is a comprehensive policy, providing customers with affordable and reliable cover, with a number of additional features:
- Simple, great value life insurance from Aviva pays a lump sum of up to GBP500,000
- 16 per cent discount when you buy online, in addition to the three months cash back offer - apply online and be covered in just 15 minutes
- Choose either level term or decreasing term cover
- Monthly premiums from only GBP5 a month (just 17p per day)
- A 35-year-old non-smoking woman could pay GBP13.18 a month for GBP250,000 of level term cover for 25 years
- Your monthly premiums stay the same throughout the life insurance policy term

Barclays Life Insurance provided by Aviva policies can be purchased at any Barclays branch, telephone banking and via www.barclays.co.uk/insurance

Notes to Editors:

[1] Swiss Re 2009
Methodology: Opinion Matters survey of 1267 UK adults (3-10 April 2012)

*Three Months Cashback : Customers who complete an application for life insurance policy provided by Aviva during the offer period (21 April and 1 June 2012) and where both the policy is still current after three months and all policy premiums have been paid to date will qualify for a rebate (refund) of their first three months premiums paid.

From GBP5 per month a 35 year old male nonsmoker could get circa GBP30,000 worth of cover (20 years level term cover) with Barclays Life Insurance. But if that individual earns GBP20,000 a year this could only provide enough to support general living expenses (bills, food, car, etc) and any existing commitments (mortgage, credit cards or loans) for no more than two years, without putting more pressure onto the family's lifestyle. However, for an extra pound a month the same 35 year old individual could more than double their level of cover (GBP78,000).

About Barclays

Barclays is a major global financial services provider engaged in personal banking, credit cards, corporate and investment banking, and wealth and investment management.

With over 300 years of history and expertise in banking, Barclays operates in over 50 countries and employs over 140,000 people. Barclays moves, lends, invests and protects money for customers and clients worldwide.

For further information about Barclays, please visit our website www.barclays.co.uk

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Forex as a Legit Business: 5 Things to Know About Trading Forex

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ROTTERDAM, NETHERLANDS, May 03, 2012 /24-7PressRelease/ -- Probably everyone has ever come across a Forex ad and its promises of huge gains. It would be somewhat naive to believe trading will make anyone rich overnight, right? Indeed, there are plenty of stories of one's becoming wealthy, but definitely it took one plenty of time and effort time, not just a couple of weeks. Although such stories as someone made 100,000 bucks within one trade exist, yet the probability of its occurrence is somewhere near a chance of winning a jackpot in a lottery.

But still it is possible to turn Forex into a reliable income source. As the practice shows, there are some apparent similarities between running business and trading Forex. Trading involves hard work which at the same time gives an opportunity to grow your capital, just as any other business does, though the first thing that matters in every business is having a proper business plan and meeting certain requirements to successfully run it.

Necessary investment
Every business requires start-up capital which after certain time would generate a return - or return on investment (ROI). An average successful business generates from 10 to 20% of ROI annually. So if you invest 100,000 USD, you will make around 10,000 - 20,000 USD a year while bearing certain risks. Same applies to Forex trading: a trader realizes his or her potential return on investment and the risks related to such activity. At the same time, even if a trader manages to get an annual 200% ROI with a 1,000 USD investment, s/he will get 2,000 USD, which will be relatively small, bear unreasonable risks, and it will not make any significant difference to trader's financial condition.

Opportunity cost
Every investment has an opportunity cost. To better illustrate this concept, consider you have two options for making money:

Option # 1: a bank deposit with 5% annual interest and 3 hours of extra regular work.
Option # 2: trading Forex 3 hours a day and earning 200% per year.

Case 1: You have 1,000 USD
In this case, you have to dedicate 3 hours per day to earn 2,000 USD a year, while in the first case you could commit to a part-time work making around 21 USD in 3 hours (7 USD an hour) or 4,600 USD a year and get an interest income of 50 USD. So by choosing trading Forex you will earn 2,650 USD less which means devoting your time to Forex trading would not be reasonable as the opportunity cost would be high.

Case 2: You have 5,000 USD
Here is the second case: if you have to choose between devoting 3 hours a day to make 10,000 USD per year and working the same part-time job to get 4,600 USD per year, getting an interest income of 250 USD, then choosing Forex is reasonable as you would earn 5,150 USD compared to the alternative.

Equipment
You need relevant tools to do your job at a top-notch level. As a car manufacturer needs modern machinery to meet the required production capacity, every Forex trader needs a speedy computer and a reliable Internet connection. Every small breakdown would cost an investor money, that is way it would be wise to allocate part of the investments into the latest technology and stable Internet access to minimise operational risks.

Strategy
The trading strategy is probably the main pillar in Forex trading as it predetermines traders success. While car manufacturers use the most recent engineering solutions to design the most cost-efficient and reliable models, Forex traders must sketch a trading plan first because without a decent strategy a trader can easily squander his investments. Fortunately, there are two ways how to tackle the issue: either to buy a strategy or develop it on your own.

The second way is highly time-consuming as it will take years to gain the required knowledge and expertise. Or you can buy a working strategy for 2,500 - 3,500 dollars and it might be a better option as buying such strategy would save lots of time, probably except the time taken for getting acquainted with the trading concept, while getting all the necessary and time-proven tools which would show positive results. Additionally, proper Forex education (with personal tutor, webinars etc.) could cost up to 5,000 USD per programme and it still does not guarantee you success with Forex trading.

Buying a strategy that delivers positive results could be a good investment choice; try to look at it from this side: imagine that you could buy either a MacBook or a trading strategy, what would you choose? Would you go for a depreciating asset (such as technology), which in 5 years will be worth nothing, or for a trading course which could enlarge your capital over the same time period? ProForexCourse could be a nice example: I personally found it highly valuable to learn how to get 1% per trade.

Additionally, there are so-called Electronic Advisors (EAs), which are basically the same trading strategies but they are programmed in an electronic algorithm. FAP Turbo is one of such examples. But there are various disadvantages for using EAs: one of the major issues is the fact that most of them do not tell you how exactly algorithm works. So basically, you are buying a black box, while when you buy a trading strategy in the form of a course/book, you dive into the details and make it clear for yourself how exactly the trading approach works.

Personal skills
Last but not least, Forex trading involves specific personal skills. A person, who considers going to gym to make his/her body fit, has to follow a certain programme to reach the desired results. A businessperson has stick to his business plan to make his project done as planned. And a Forex trader has to keep his trading strategy under control without any deviations. One thing that is common for all these people is persistence towards achieving the desired goal.

If you are a type of person who does not tolerate a daily routine and adherence to a plan, then Forex might not be a suitable activity for you. Even with trading deposits exceeding 1,000,000 USD, a great trading strategy and modern equipment, many traders lost their money only because they could not stick to their own trading plan and the worst part is they got obsessed with gambling. This is why before investing in Forex, you have to be sure that you meet are the above-mentioned requirements.

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More Homeowners Seek Reverse Mortgages at Earlier Age

Reverse mortgages have always been viewed as a last resort — something that older retirees could turn to when they desperately needed to supplement their dwindling incomes. But in the wake of the housing market’s collapse and high unemployment, a new study has found that people are using reverse mortgages to alleviate more urgent financial pressures, like paying off debt. And homeowners are applying for these loans at much younger ages than they have in the past.

Reverse mortgages allow people age 62 and older to tap what may be their biggest asset, the equity in their home, without having to make any payments. Instead, the bank pays the borrowers, though they continue to be responsible for paying property taxes and homeowner’s insurance. When borrowers are ready to sell (or when they die), the bank takes its share of the proceeds from the sale, and borrowers (or their heirs) receive whatever is left.

The study, conducted by the MetLife Mature Market Institute and the National Council on Aging, analyzed data collected from reverse mortgage applicants who went through mandatory counseling sessions with government-approved counselors. The study covers 21,240 sessions from September through November 2010.

“Consumer attitudes about reverse mortgages are changing because the recession has eroded confidence about retirement security, and Americans will rely more and more on these measures,” said Sandra Timmermann, director of the MetLife Mature Market Institute. “As reverse mortgages do not have income requirements and since other forms of credit have become less accessible, these loans will become more attractive.”

The research found that about 21 percent of homeowners who went through counseling were 62 to 64 years old — even though you can pull less money out the younger you are. That’s a sharp rise from the 6 percent of borrowers in that age group who applied for reverse mortgages in 1999.  Those findings are also consistent with a recent industry analysis that found a dramatic shift toward younger borrowers in the past few years.

MetLife Mature Market Institute

And while the average age of the borrower is 73 years old, as the chart above shows, the average age of homeowners who went through the counseling was 71.5 years old. That is consistent, the study said, with the housing department’s findings. “As we look more closely at the age distribution of recent counseling clients, it appears that this broad trend may conceal the start of a major generational shift in the use of reverse mortgage loans,” the study said.

Of homeowners who are considering a reverse mortgage, nearly 46 percent are under the age of 70, according to the study.

The vast majority of counseling clients in 2010, or 67 percent, were seeking the reverse mortgage to lower their household debt. Only 27 percent were considering it to improve their quality of life. Most recent counseling clients (67 percent) said they had a conventional mortgage that needed to be repaid if they decided to take out the mortgage, whereas 27 percent reported having both housing and nonhousing debt. Naturally, using their equity to repay the debt means they will have less left should they need to access it in the future.

For nearly one-third of counseling clients, the existing mortgage may exceed half the value of their home, the study said. That means they may not have enough equity to qualify for the mortgage, or they have to wait several years until they can qualify for a loan that’s large enough to satisfy their financial needs.

Most reverse mortgages originate through the Department of Housing’s Home Equity Conversion Mortgages program — known as HECM (pronounced HECK-um) — which has become more popular over the past 10 years. There have also been many changes to the program, including a new loan option known as the “HECM Saver,” which requires lower upfront fees. That version came out in October of 2010, so the study noted that its results may reflect the fact that more homeowners considered those loans, though it’s unlikely that it had a major effect.

The study’s authors also point out that more homeowners are likely to incorporate home equity into their retirement plans, instead of tapping it for emergencies only. “It is likely the reverse mortgage option will be considered alongside some of the more traditional methods of saving and investment,” said Barbara Stucki, vice president for home equity initiatives at the National Council on Aging.

The study also included a consumer guide to reverse mortgages.

At what point would you consider a reverse mortgage?

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Podcast: Sovereign Debt, Phone Hacking and Law Schools

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There has been a flurry of headline-grabbing developments in the slow-moving financial and fiscal crises on both sides of the Atlantic.

In Europe, Italy’s cost of borrowing rose to the highest level in many months, as traders worried that Greece’s financial problems might not be contained. In the new Weekend Business podcast, Floyd Norris, chief financial correspondent for The Times, says that while the problems in Europe have roiled the markets, a major financial issue in the United States so far has not. That is the inability of Congress and the White House to agree on an increase in the debt ceiling of the United States. If such an agreement is not in place by Aug. 2, the Treasury secretary has warned that the government could default on its debt, with catastrophic consequences.

So far at least, Treasury yields remain extremely low and prices, which move in the opposite direction, are quite high, a sign that the markets are convinced that this crisis is a nonevent. We shall soon see whether this is true, Mr. Norris says. Other problems — the weakness of the United States economy, high unemployment, and a large and growing debt load — are also looming. For the moment, though, a benign summertime mood has prevailed, and domestic stock and bond markets have remained relatively calm.

In another portion of the podcast, I chat with Mr. Norris about the phone-hacking and bribery scandal that has shaken the Murdoch media empire. It has already led to the shuttering of one newspaper, numerous arrests, top-level executive changes and investigations in London and in New York.

The business of legal education in the United States is the focus of a cover article by David Segal in Sunday Business. In a podcast conversation with David Gillen, Mr. Segal says many law schools have sharply increased their fees, enrollment and capital spending, even as the job market for law school graduates has shrunk.

And in the Economic View column, the economist Richard Thaler revisits the annuity puzzle — the unpopularity of annuities despite their economic advantages. Traditional pensions are a form of annuities, but as working people shift to defined-benefit plans like 401(k)’s, they are faced with a bewildering set of options upon retirement. Yet few of them choose to buy annuities.

As he says in a podcast conversation, Social Security is a form of annuity — and he suggests that by delaying the receipt of benefit checks, people can greatly increase their monthly payouts. This may simplify financial planning. It’s advantageous, of course, only if you live long enough for your increased monthly benefits to offset the loss of the checks you are voluntarily giving up. Social Security could also be modified to allow recipients to “top off” their benefits by purchasing larger annuities, Mr. Thaler suggests.

I also discuss a contest between vice and virtue in mutual fund performance, the subject of my Strategies column in Sunday Business. The second-best performer among all general domestic mutual funds in the second quarter was the Vice fund, which focuses on tobacco, alcohol, gambling and military companies. The best performer, though, was the Virtus Small-Cap Sustainable Growth fund. Virtus is a Latin word for virtue. How virtuous is the Virtus fund? There are some answers in the podcast and in the column.

You can find specific segments of the podcast at these junctures: Floyd Norris on financial crises (38:52); news headlines (28:33); law schools (25:42); the Murdoch empire (18:39); Richard Thaler (11:38); mutual funds and the week ahead (3:57).

As articles discussed in the podcast are published during the weekend, links will be added to this post.

You can download the program by subscribing from The New York Times’s podcast page or directly from iTunes.

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Target-Date Retirement Funds Offer a Strategy Spectrum

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Assets in these funds have more than quadrupled since 2007. For employees, the funds appear very straightforward, requiring only the choice of an expected retirement date. Once a fund with an appropriate target date is chosen, investment professionals take charge. They decide on a mix of assets that gradually becomes more conservative as the employee nears retirement.

“Workers are delegating back to their employer the asset-allocation decision,” says Stephen P. Utkus, principal of the Vanguard Center for Retirement Research. Put another way, workers are delegating to their employer, who is then delegating to the plan provider it has hired, to run a target-date fund within a 401(k). The T.D.F is typically comprised of a mix of mutual funds run by the plan provider.

There is a very wide range of T.D.F.’s, and that may be a problem because they have a whiff of the old Wild West about them: just about anything goes. For example, Morningstar found that among three dozen funds with a target retirement date of 2025, the percentage of fund assets invested in stocks ranged from 38 to 86 percent, with an average of 70 percent. The retirement investment industry and Washington regulators have basically left it to investors to figure out what their T.D.F.’s contain, and to decide if their plan dovetails with their risk and return expectations.

These funds are also not immune to some well-worn fund and 401(k) maladies, including possibly high fees and a presumptuous belief that active management can consistently beat passive indexing.

But what T.D.F.’s do quite well is distance investors from their worst enemy: themselves. By hewing to a long-term investment allocation strategy and rebalancing whenever the markets throw the portfolio off that strategy, they insulate investors from many emotional and psychological barriers that can make it hard to stick with a given approach.

“It’s akin to a stereo system,” said Meir Statman, professor of finance at Santa Clara University in California and author of “What Investors Really Want.” “Rather than having to purchase all the individual components and figure out how to make it work together, a T.D.F. is like buying a single, integrated system. Maybe you give up some flexibility, but that’s still a good trade-off for many investors.”

That idea offers some comfort to many investors. A recent ING survey of 401(k) investors found that those who used a T.D.F. were more confident about their retirement prospects than investors who didn’t own such a fund.

Assets in target-date funds grew to $374 billion at the end of 2011 from $71 billion four years ago. The Employee Benefit Research Institute, a nonpartisan group that specializes in economic security issues, says that nearly half of workers hired in 2009 and 2010 who were enrolled in a 401(k) owned a T.D.F.; in 2006, just 28 percent of new hires did. Vanguard, a big manager of target-date funds, says it anticipates that 75 percent of employees enrolled in its plans will own such a fund by 2016.

The growing popularity has been aided by a big nudge from Washington. In 2006, the Labor Department allowed employers to automatically enroll employees in 401(k)’s, and when employees did not actively choose among the funds offered in a plan, employers could also automatically put them into a T.D.F. that matched their expected retirement age.

But automated simplicity isn’t a magic bullet. “The potential problem is that the T.D.F. you are given isn’t really that good,” Professor Statman says.

For example, a recent survey by Callan Associates, an investment consulting firm, found that 63 percent of such funds used actively managed funds and that an additional 17 percent used a mix of active and index-based funds. Historically, active management has been less effective than passive index-based investing.

“The fact is, after investment fees are subtracted, active management is a loser’s game,” says Tom Idzorek, global chief investment officer at Morningstar Investment Management .

On an asset-weighed basis, the average annual expense ratio charged on target-date funds is 0.61 percent, according to Morningstar. Vanguard, which has an average charge of 0.18 percent for its T.D.F.’s, is the only major manager that emphasizes index-based funds for them. Target-date funds that are actively managed tend to have annual expense charges above 0.70 percent — though many exchange-traded funds charge less than 0.30 percent.

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Fort Lauderdale Law Firm Winston, Clark & Wigand Files Appeal for U.S. Army Vet

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FORT LAUDERDALE, FL, May 02, 2012 /24-7PressRelease/ -- Fort Lauderdale personal injury attorney Bradley Winston of Winston, Clark & Wigand announces an appeal of a $10,510 assessment levied April 19, 2012 by Miami Dade County against Jesus Jimenez for posting a protest sign on his property. Jimenez posted the protest sign after a lien was placed on his property and the home was demolished by the County in June, 2011, while he was still a U.S. Army Staff Sergeant on active duty in Afghanistan.

In protest of the demolition, Jimenez posted this sign: This is how the U.S. Government thanks the service of an active Army soldier who gives his life for this country leaving his family HOMELESS.

Winston, Clark & Wigand had filed suit last August against Miami Dade County and another official of the Building and Neighborhood Compliance Department for demolishing the Jimenez home on the grounds that the action violated the Servicemembers Civil Relief Act as well as the Fourth, Fifth and Fourteenth Amendments to the United States Constitution.

Plaintiff Jesus Jimenez was on active duty, and his pregnant wife, her mother, his daughter and his disabled brother were residing at the property at the time it was demolished, according to attorney Bradley Winston. The County and the Building Department were notified of Mr. Jimenez's active duty status on multiple occasions. Requests for extensions of time, including one forwarded by former Governor Charlie Crist, were ignored.

The lawsuit sought injunctive relief, compensatory and punitive damages arising from Defendants' institution and a stay of the condemnation proceedings against three parcels of real property and the demolition of one of them. The lawsuit, Jimenez et al v. Miami-Dade County et al, case number 1:11-CV-23131, was filed in U.S. District Court for the Southern District of Florida.

The City's action began in June, 2007 with condemnation proceedings against three Miami-Dade County properties owned by the Sergeant. His military duty requirements materially affected his ability to appear, and military leave was not authorized.

Building Department officials claimed that the Servicemembers Relief Act was not applicable, and refused to stay or delay a scheduled Unsafe Structures Board hearing. The plaintiff's primary residence on one of the three properties was demolished.

According to the lawsuit, the actions of the Miami-Dade County Building and Neighborhood Compliance Department constitute selective and excessive enforcement of the county building code. The properties are surrounded by structures of substantially identical construction and vintage, which have not been subject to any enforcement action by Defendants, and therefore Plaintiffs have further been deprived of their right to equal protection of the laws under the 14th Amendment to the United States Constitution.

Schedule an Interview: Attorney Bradley Winston is available to discuss the case. He can be reached at 954-475-9666.

About Winston, Clark & Wigand, P.A.

The Fort Lauderdale personal injury law firm of Winston, Clark & Wigand, with offices in Plantation and Fort Lauderdale, has been defending consumers injured by auto accidents, motorcycle accidents, defective products, medical malpractice, dog bites, and slip and fall cases since 1989.

Accident victims across South Florida and Broward County, including Coconut Creek, Cooper City, Coral Springs, Dania Beach, Davie, Deerfield Beach, Fort Lauderdale, Hallandale, Hollywood, Lauderdale Lakes, Lauderhill, Lighthouse Point, Margate, Miramar, North Lauderdale, Oakland Park, Parkland, Pembroke Pines, Plantation, Pompano Beach, Sunrise, Tamarac, Weston, and Wilton Manors, can set up a free consultation. Details at www.WinstonLaw.com.

Contact:

Margaret Grisdela
Legal Expert Connections, Inc.
561-266-1030
mg@legalexpertconnections.com

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