2016-07-17 Social Security Strategies With Ed Fulbright, CPA, CGMA, PFS

Ed Fulbright, CPA, CGMA, PFS

Social Security Strategies Show: planwelllivebetter.com Social security is the part of all american’s  retirement plan.   This is the only retirement  income  many americans’ have.  Maximizing social security can enhance your standard of living.   Starting in 2016, social security change so your strategy has to change.  We want to take the next 28 minutes to discuss the changes.

Joining us for this discussion On Social Security Strategies is Assim Inshirah who is the station’s operation manager and makes sure Mastering Your Money is available to our listeners.

2016-07-10 Job Performance With Tamra Chandler and Ed Fulbright on Mastering Your Money Radio

M. Tamra Chandler

The world of work is at a crossroads, shifting into a whole new culture of transparency, support, and collaboration. Yet many old methods are still in use, including performance reviews. We're beginning to create alternatives: 6 percent of Fortune 500 companies did away with performance rankings as of last year and more are following. 89% Of Respondents In The 2015 Deloitte Human Capital Survey were already planning to replace their performance review system in the next 18 months. Even if it's business as usual for now, employees can prevail over traditional performance reviews. And managers understand it's time to flip the script.

Joining us for our discussion on Job Performance is Tamra Chandler who is calling in from her washington state office .  Tamra Chandler is a bona fide People Maven. She's spent the majority of her career thinking about people, researching how they're motivated, and developing new and effective ways for organizations to achieve the ultimate win-win: inspired people driving inspiring performance. Chandler is also the CEO and co-founder of Peoplefirm, one of Washington state's fastest-growing businesses and most successful women-owned firms. An award-winning leader in her field (recognized twice by consulting magazine as one of the top consultants in the u.s.), she is the author of How Performance Management Is Killing Performance - And What To Do About It    

2016-07-03 A More Passionate And Healthier Workplace With Tim Mulligan and Ed Fulbright on Mastering Your Money Radio

Tim Mulligan

It’s a fact that we live in disruptive times. Industries are collapsing, financial markets are imploding, oil and commodity prices are plummeting, and terrorism is shutting down major urban areas.

It’s no wonder there is so much illness and despair in the world. We have become bombarded by ringing, texting, tweeting, pinging, chatting, messaging 24/7/365, and there is very little “white space” any more. Organizations find themselves grappling with constant change, intense pressure, ambiguous crises, overwhelming stress and daunting uncertainty. The toll on disruption is high. It has been estimated that 75 to 90 percent of all visits to primary care physicians are for stress-related problems. The “new normal” is tired, stressed, burned out, fragmented, distracted and disconnected employees who are getting sicker and sicker, which leads to:

• decreased engagement
• loss of trust
• less retention
• damaged brand equity
• lower productivity

Joining us for our discussion on A More Passionate And Healthier Workplace is Tim Mulligan          who is calling in from his San Diego Ca office .  Tim Mulligan  serves the San Diego Zoo Way  Global as its Chief Human Resources Officer. In his role, Mulligan manages a staff of more than 18 employees who fulfill employment  needs for the organization, develop benefits packages for its nearly 3,000 employees and handle organizational and strategic challenges that occur in a large, diverse workplace.  He is the co-author of “Roar: How To Build A Resilient Organization, The World Famous San Diego Zoo Way”     

2016-06-26 Preparing For Retirement with Emily Brandon and Ed Fulbright on Mastering Your Money Radio

Emily Brandon

Only 22 percent of Americans are enrolled in traditional pension plans.  So for millions of Americans, they are without a pension and will be responsible for their retirement  accumulation.   When people are downsized, they use their retirement accounts to supplement their lifestyle.  Americans will feel the challenge of not having to work part time during retirement.

Joining us for our discussion on Preparing For Retirement is Emily Brandon who is calling in from her San Francisco_ office .  Emily Brandon is a senior editor, retirement columnist and blogger at US News & World Report .  Her articles have been featured in Consumer Reports, and The Washington Post‘s Express and she has appeared On Nightly Business Report and MSNBC news among other outlets. Her latest book is “Pensionless:  The 10 Step Solution For A Stress Free Retirement  ”

The Brits Exit Shakes Global Markets By Ed Fulbright

The Brexit Shakes Global Markets

A worldwide selloff occurs after the United Kingdom votes to leave the European Union.

Provided by Ed Fulbright, CPA, CGMA, PFS

A wave of anxiety hit Wall Street Friday morning. Thursday night, the United Kingdom elected to become the first nation state to leave the European Union. The “Brexit” can potentially be finalized as soon as the summer of 2018.¹

  

Voters in England, Scotland, Wales, and Northern Ireland were posed a simple question: “Should the United Kingdom remain a member of the European Union or leave the European Union?” Seventy-two percent of the U.K. electorate went to the polls to answer the question, and in the final tally, Leave beat Remain 51.9% to 48.1%.^2,3

   

The vote shocked investors worldwide. The threat of a Brexit was supposed to have decreased. As late as Thursday, key opinion surveys showed the Remain camp ahead of the Leave camp – but at 10:40pm EST Thursday, the BBC called the outcome and projected Leave would win.⁴

  

Why did Leave triumph? The leaders of the Leave campaign hammered home that E.U. membership was a drag on the U.K. economy. They criticized E.U. regulations that impeded business growth. They felt that the U.K. should no longer contribute billions of pounds per year to the E.U. budget. They had concerns over E.U. immigration laws, which permit free movement of people among E.U. nations without visas.¹

      

Financial markets were immediately impacted. The pound fell almost 11% Thursday night to a 31-year low, and the benchmark U.K. equities exchange, the FTSE 100, slipped 5% after initially diving about 8%. Germany’s DAX exchange and France’s CAC-40 exchange respectively incurred losses of 7% and 9%. In Tokyo, the Nikkei 225 closed nearly 8% lower, taking its largest one-day slide since 2008.⁵

   

Stateside, S&P 500 and Nasdaq Composite futures declined more than 5% overnight; that triggered the Chicago Mercantile Exchange’s circuit breaker, briefly interrupting trading. The Chicago Board Options Exchange Volatility Index, or CBOE VIX, approached 24 after midnight. The price of WTI crude fell more than $2 in the pre-dawn hours.^5,6

At the opening bell Friday, the Dow Jones Industrial Average was down 408 points. The Nasdaq shed 186 points at the open; the S&P, 37 points.⁷

Fortunately, the first trading day after the Brexit referendum was a Friday, giving Wall Street a pause to absorb the news further over the weekend.

How could the Brexit impact investors & markets going forward? Consider its near-term ripple effect, which could be substantial.

The Brexit could deal a devastating blow to both the United Kingdom and the European Union. Depending on which measurements you use, the E.U. collectively represents either the first or third largest economy in the world. In terms of international trade, its import and export activity surpasses that of China (and that of the United States).²

An analysis by the U.K.'s Treasury argued that the country would be left “permanently poorer” by the Brexit, with less tax revenue and lower per-capita GDP and productivity. The Brexit certainly hurt the U.K.’s major trading partners, which include China, India, Japan, and the United States. Some Chinese and American companies have established operations in the U.K. specifically to take advantage of its E.U. membership and the free trade corridors it opens. With the U.K. exiting the E.U., the profits of those firms may be reduced – and the U.K. will have to quickly negotiate new trade deals with other nations. The most recently available European Commission data shows that in 2014, U.S. direct investment in the E.U. topped €1.8 trillion (roughly $2 trillion), with a slightly greater amount flowing back to the U.S.²

  

You could also see a sustained flight to the franc, the yen, and the dollar in the coming weeks. The stronger the dollar becomes, the weaker the demand for American exports.

  

Investors should hang on through the turbulence. The Brexit is a historic and unsettling moment, but losses on Wall Street should be less severe than those happening overseas. Retirement savers should not mistake this disruption of market equilibrium for the state of the market going forward. A year, a month, or even a week from now, Wall Street may gain back all that was lost in the Brexit vote’s aftermath. It has recovered from many events more dramatic than this.

  

Please call Ed Fulbright at 919-354-0368 or edf@moneyful.com  if you have questions about your specific situation.

 

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

   

Citations.

1 - bbc.com/news/uk-politics-32810887 [6/23/16]

2 - cnbc.com/2016/06/21/uk-brexit-what-you-need-to-need-to-know.html [6/24/16]

3 - bbc.com/news/politics/E.U._referendum/results [6/23/16]

4 - bbc.com/news/live/uk-politics-36570120 [6/23/16]

5 ­- nytimes.com/aponline/2016/06/24/world/asia/ap-financial-markets.html [6/24/16]

6 - rE.U.ters.com/article/us-usa-stocks-idUSKCN0Z918E [6/24/16]

7 - marketwatch.com/story/us-stocks-open-sharply-lower-joining-global-post-brexit-selloff-2016-06-24 [6/24/16]

The Brits Exit Shakes Global Markets By Ed Fulbright

The Brexit Shakes Global Markets

A worldwide selloff occurs after the United Kingdom votes to leave the European Union.

Provided by Ed Fulbright, CPA, CGMA, PFS

A wave of anxiety hit Wall Street Friday morning. Thursday night, the United Kingdom elected to become the first nation state to leave the European Union. The “Brexit” can potentially be finalized as soon as the summer of 2018.¹

  

Voters in England, Scotland, Wales, and Northern Ireland were posed a simple question: “Should the United Kingdom remain a member of the European Union or leave the European Union?” Seventy-two percent of the U.K. electorate went to the polls to answer the question, and in the final tally, Leave beat Remain 51.9% to 48.1%.^2,3

   

The vote shocked investors worldwide. The threat of a Brexit was supposed to have decreased. As late as Thursday, key opinion surveys showed the Remain camp ahead of the Leave camp – but at 10:40pm EST Thursday, the BBC called the outcome and projected Leave would win.⁴

  

Why did Leave triumph? The leaders of the Leave campaign hammered home that E.U. membership was a drag on the U.K. economy. They criticized E.U. regulations that impeded business growth. They felt that the U.K. should no longer contribute billions of pounds per year to the E.U. budget. They had concerns over E.U. immigration laws, which permit free movement of people among E.U. nations without visas.¹

      

Financial markets were immediately impacted. The pound fell almost 11% Thursday night to a 31-year low, and the benchmark U.K. equities exchange, the FTSE 100, slipped 5% after initially diving about 8%. Germany’s DAX exchange and France’s CAC-40 exchange respectively incurred losses of 7% and 9%. In Tokyo, the Nikkei 225 closed nearly 8% lower, taking its largest one-day slide since 2008.⁵

   

Stateside, S&P 500 and Nasdaq Composite futures declined more than 5% overnight; that triggered the Chicago Mercantile Exchange’s circuit breaker, briefly interrupting trading. The Chicago Board Options Exchange Volatility Index, or CBOE VIX, approached 24 after midnight. The price of WTI crude fell more than $2 in the pre-dawn hours.^5,6

At the opening bell Friday, the Dow Jones Industrial Average was down 408 points. The Nasdaq shed 186 points at the open; the S&P, 37 points.⁷

Fortunately, the first trading day after the Brexit referendum was a Friday, giving Wall Street a pause to absorb the news further over the weekend.

How could the Brexit impact investors & markets going forward? Consider its near-term ripple effect, which could be substantial.

The Brexit could deal a devastating blow to both the United Kingdom and the European Union. Depending on which measurements you use, the E.U. collectively represents either the first or third largest economy in the world. In terms of international trade, its import and export activity surpasses that of China (and that of the United States).²

An analysis by the U.K.'s Treasury argued that the country would be left “permanently poorer” by the Brexit, with less tax revenue and lower per-capita GDP and productivity. The Brexit certainly hurt the U.K.’s major trading partners, which include China, India, Japan, and the United States. Some Chinese and American companies have established operations in the U.K. specifically to take advantage of its E.U. membership and the free trade corridors it opens. With the U.K. exiting the E.U., the profits of those firms may be reduced – and the U.K. will have to quickly negotiate new trade deals with other nations. The most recently available European Commission data shows that in 2014, U.S. direct investment in the E.U. topped €1.8 trillion (roughly $2 trillion), with a slightly greater amount flowing back to the U.S.²

  

You could also see a sustained flight to the franc, the yen, and the dollar in the coming weeks. The stronger the dollar becomes, the weaker the demand for American exports.

  

Investors should hang on through the turbulence. The Brexit is a historic and unsettling moment, but losses on Wall Street should be less severe than those happening overseas. Retirement savers should not mistake this disruption of market equilibrium for the state of the market going forward. A year, a month, or even a week from now, Wall Street may gain back all that was lost in the Brexit vote’s aftermath. It has recovered from many events more dramatic than this.

  

Please call Ed Fulbright at 919-354-0368 or edf@moneyful.com  if you have questions about your specific situation.

 

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

   

Citations.

1 - bbc.com/news/uk-politics-32810887 [6/23/16]

2 - cnbc.com/2016/06/21/uk-brexit-what-you-need-to-need-to-know.html [6/24/16]

3 - bbc.com/news/politics/E.U._referendum/results [6/23/16]

4 - bbc.com/news/live/uk-politics-36570120 [6/23/16]

5 ­- nytimes.com/aponline/2016/06/24/world/asia/ap-financial-markets.html [6/24/16]

6 - rE.U.ters.com/article/us-usa-stocks-idUSKCN0Z918E [6/24/16]

7 - marketwatch.com/story/us-stocks-open-sharply-lower-joining-global-post-brexit-selloff-2016-06-24 [6/24/16]

2016-06-19 Building Family Wealth with Kimberly Palmer and Ed Fulbright on Mastering Your Money Radio

Kimberly Palmer

For many women, life’s greatest source of financial stresses comes with motherhood. While struggling to keep up with all the new expenses, from diapers and baby food to child care, moms feel the pressure to save for big future goals, like college tuition, and provide a cushion for unexpected events, like a layoff or illness. Then, there are those tough money-and-work related questions: how much time should I take off after my baby is born? Can I afford an unpaid maternity leave? Will I be able to commit the same ambition to my career with a kid? What if I want to work from home or part-time?

 Joining us for our discussion on Building Family Wealth is Kimberly Palmer who is calling in from her Washington state office .  She was the senior money editor at US News & World Report for nine years. She is an adjunct professor at American University, where she teaches a course on mastering social media. She has appeared on NBC’S TODAY, CNBC, and CNN. She is the author of “Smart Mom Rich Mom: How To Build Wealth While Raising A Family ”