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Entries for 2015

Federal Reserve Raises Interest Rates

 December 16 2015
The Federal Reserve raised interest rates today by 0.25%. This is the first time since June 2006.  The Federal Reserve decreased interest rates to zero in December 2008 in an effort to jump start the economy during the financial crisis. Today’s decision to raise interests rates implies the Federal Reserve is confident the economy is stronger and is ready for higher borrowing costs....

Important Week Ahead of Us

 December 2 2015
Three events will test assumptions about economic growth in both the U.S. and Europe this week.

Budget Bill Has Changed Social Security Strategies

 November 2 2015
The Senate approved a bipartisan budget agreement Friday that averted a government default and ended battles between congressional Republicans and the Obama administration over fiscal policy. The bill is expected to be signed by the President this week.  But buried within are changes to Social Security that may affect how and when many retirees take Social Security retirement benefits. The t...

Health Care Power of Attorney for Adult Children

 October 30 2015
With a child’s 18th birthday comes several “freedoms” of adulthood – from the right to vote to the ability to buy a lottery ticket. The privileges of adulthood are at the expense of some automatic legal protections that children receive.  For one, parents are no longer able to make critical healthcare decisions or access healthcare records for a child over age 18. Thi...

Getting Offered a Ton of Money for Your Pension? Should You Take It?

 October 30 2015
If you're lucky enough to have been in a traditional, defined-benefit pension plan at some point, it's a choice you may have to make in the next couple of months. Before 2012, when legislative changes made offering lump sums more attractive to companies, the offers weren't common. Activity revved up in 2013 and 2014, and there's been a dramatic uptick this year, said Matt McDaniel, who leads Me...

Existing Home Sales Should Be a Boost to GDP

 October 30 2015
Existing home sales rose by 4.7% m/m in September, increasing to 5.55 million units (annualized). September's gain has nearly reversed the 5% decline experienced during August. The single-family segment was responsible for all of the gain. On a year-over-year basis, home prices were up by 6.1%. The share of distressed home sales remained unchanged in September at 7%, and remains 3 percentage point...

Consumer Confidence and Holiday Spending

 October 30 2015
Consumer confidence fell slightly in October. The view on current economic environment slipped a bit due to a drop in the pace of job growth and ongoing fiscal policy debates in Washington. That said, consumer confidence continues to trend higher with the three-month moving average breaking above 100 for the first time since March.

Individual Health & Medicare Newsletter - Fall 2013

 September 22 2015
Now more than ever, consumers need help navigating the options available through the new Health Care Marketplace and Medicare. Open Enrollment Periods for both Individual Health and Medicare started on October 1, 2013. HORAN's Individual Health and Medicare team has the expertise and experience to guide individuals through their options. We are dedicated to providing clients with quality service a...

Saving Enough Money for a Comfortable Retirement

 August 2 2015
Saving enough money for a comfortable retirement is probably one of your primary financial goals. But, with so many other demands on your savings, it’s easy to get off track. If you are age 50 or older and want to make up for lost time, the tax law allows you to catch up on your savings by contributing extra amounts to an employer-sponsored retirement savings plan and/or an individual retire...

Income Strategies in Retirement

 August 1 2015
When you retire, you will probably have several sources of income. These may include traditional individual retirement accounts (IRAs), Roth IRAs, pensions, 401(k) or 403(b) accounts, mutual fund and brokerage accounts and Social Security. You’ll want to have a strategy for managing your income and withdrawing from your accounts that incorporates appropriate tax considerations.   Soci...
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