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E-mail: greg@gnzfinancial.com
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| ARE PEOPLE REALLY RETIRING LATER? |
A noted economist disputes that generalization.
True or false? You may have heard this claim before (or something like it): “Many Americans are being forced to retire later because their savings and investments took a hit in the Great Recession.” |
| IS NOW THE TIME TO REFINANCE? |
Interest rates on 30-year fixed mortgages hit a record low.
Mortgages are cheaper than ever. Economists and real estate analysts who predicted lower interest rates were not disappointed; the earliest numbers from 2012 have reached an all-time low, leading a number of homeowners to consider their options. |
| GETTING OFF ON THE RIGHT FOOT IN 2012 |
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| Quarterly Economic Update - 4Q 2011 |
THE QUARTER IN BRIEF It may have been a frustrating year on Wall Street, but the fourth quarter of 2011 was a real turnaround from the third. The S&P 500 soared 11.15% in 4Q 2011 to dodge a bear market and end the year virtually flat. |
| Monthly Economic Update - January 2012 |
THE MONTH IN BRIEF The Dow advanced 1.43% and the S&P 500 rose 0.85% in December, but there was no major “Santa Claus” rally at the end of 2011. As a result, the Dow wound up +5.53% for the year while the S&P 500 posted a 2011 loss of 0.003%. |
